Customer Service Counseling Services
Resume:
Account Notifications
Welcome to your account notifications. Check back here each month for
important updates about your account.
Account Summary
Previous Balance $434.85
Payments
Other Credits $0.00
Transactions + $94.39
Cash Advances + $0.00
Fees Charged + $0.00
Interest Charged + $9.77
New Balance = $480.01
Credit Limit $500.00
$19.99
Cash Advance Credit Limit $150.00
Available Credit for Cash Advances $19.99
www.capitalone.com. Customer Service: 1-800-***-**** See reverse for Important Information Payment Information
Payment Due Date
Dec. 08, 2020
For online and phone payments,
the deadline is 8pm ET.
New Balance
$480.01
Minimum Payment Due
$25.00
LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $35.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example:
If you make no
additional charges using
this card and each
month you pay...
You will pay off
the balance shown
on this statement
in about...
And you will
end up paying
an estimated
total of...
Minimum Payment 2 Years $611
If you would like information about credit counseling services, call 1-888-***-****. 1344
Oct. 12, 2020 - Nov. 13, 2020 33 days in Billing Cycle Please send us this portion of your statement and only one check (or one money order) to ensure your payment is processed promptly. Allow at least seven business days for delivery. Payment Due Date: Dec. 08, 2020 Account Ending in 1344 New Balance
$480.01
Minimum Payment Due
$25.00
Amount Enclosed
$
SUSAN M MILLER
4137 SIGNAL RDG SW
LILBURN, GA 30047-3323 Capital One
P.O. Box 71083
Charlotte, NC 28272-1083
1 5178058020021344 13 0480010059000025009
Page 1 of 2
Platinum MasterCard Account Ending in
- $59.00
Available Credit (as of Nov. 13, 2020)
Pay or manage your account on our mobile app or at 002
Changing Mailing Address?
You can change your address by signing into your account online or calling Customer Service.
How do I Make Payments? You may make your payment in several ways: 1. Online Banking by logging into your account;
2. Capital One Mobile Banking app for approved electronic devices; 3. Calling the telephone number listed on the front of this statement and providing the required payment information;
4. Sending mail payments to the address on the front of this statement with the payment coupon or your account information.
When will you Credit My Payment?
· For mobile, online or over the phone, as of the business day we receive it, as long as it is made by 8 p.m. ET.
· For mail, as of the business day we receive it, as long as it is received by 5 p.m. local time at our processing center. You must send the bottom portion of this statement and your check to the payment address on the front of this statement. Please allow at least seven (7) business days for mail delivery. Mailed payments received by us at any other location or payments in any other form may not be credited as of the day we receive them.
Any written requests on this form will not be honored. To manage your account, please refer to your billing statement for customer service options. How can I Avoid Membership Fees? If a Renewal Notice is printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee. Code next to
your APR(s)
How do we calculate your
APR(s)? Index + margin
When your APR(s) will change
P
L
Prime Rate + margin
3 month LIBOR + margin
The first day of the Billing Cycles that
end in Jan., April, July, and Oct.
D
F
Prime Rate + margin
1 month LIBOR + margin
The first day of each Billing Cycle.
without
statement for additional information.
corresponding segment of your account.
Charge of $0.00 for each Billing Cycle if your account is subject to an Interest Charge. Balance (including new transactions).
the daily balance.
segment.
for all segments together. The result is your total Interest Charge for the Billing Cycle. Interest Charge Calculation section of this Statement. from the Interest Charge actually assessed.
this statement.
that we close your account.
we process your payment.
Payment to the balance with the highest APR, and then to balances with lower APRs. Billing Rights Summary
What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at:
Capital One P.O. Box 30285 Salt Lake City, UT 84130-0285. In your letter, give us the following information:
· Account information: Your name and account number.
· Dollar amount: The dollar amount of the suspected error.
·
we investigate whether or not there has been an error, the following are true:
·
amount.
·
the outcome of our investigation, you are responsible for the remainder of your balance.
·
is correct.
the remaining amount due on the purchase. To use this right, the following must be true: qualify; and
2) You must not yet have fully paid for the purchase. amount and you do not pay we may report you as delinquent.
© 2020 Capital One. Capital One is a federally registered service mark 01/01/20 ETC-08
How can I Avoid Paying Interest Charges? If you pay your New Balance in full by the How can I Close My Account? You can contact Customer Service anytime to request due date each month, we will not charge interest on new transactions that post to the purchase balance. If you have been paying in full Interest Charges, but fail to pay How do you Process Payments? When you make a payment, you authorize us to your next New Balance in full, we will charge interest on the unpaid balance. Interest initiate an ACH or electronic payment that will be debited from your bank account or Charges on Cash Advances and Special Transfers start on the transaction date. other related account. When you provide a check or check information to make a Promotional offers may allow you to pay less than the total New Balance and avoid paying payment, you authorize us to use information from the check to make a one-time ACH or interest on new transactions that post to your purchase balance. See the front of your other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day How is the Interest Charge Determined? Interest Charges accrue from the date of the transaction, date the transaction is processed or the first day of the Billing Cycle. Interest How do you Apply My Payment? We generally apply payments up to your Minimum accrues daily on every unpaid amount until it is paid in full. Interest accrued during a Billing Payment first to the balance with the lowest APR (including 0% APR), and then to Cycle posts to your account at the end of the Billing cycle and appears on your next balances with higher APRs. We apply any part of yourpayment exceeding your Minimum statement. You may owe Interest Charges even if you pay the entire New Balance one month, but did not do so the prior month. Once you start accruing Interest Charges, you (Does not Apply to Small Business Accounts) generally must pay your New Balance in full two consecutive Billing Cycles before Interest Charges stop being posted to your Statement. Interest Charges are added to the Do you assess a Minimum Interest Charge? We may assess a minimum Interest How do you Calculate the Interest Charge? We use a method called Average Daily Description of Problem: If you think there is an error on your bill, describe what you 1. First, for each segment we take the beginning balance each day and add in new believe is wrong and why you believe it is a mistake. You must contact us within 60 transactions and the periodic Interest Charge on the previous day's balance. Then we days after the error appeared on your statement. You must notify us of any potential subtract any payments and credits for that segment as of that day. The result is the daily errors in writing. You may call us or notify us electronically, but if you do we are not balance for each segment. However, if your previous statement balance was zero or a required to investigate any potential errors and you may have to pay the amount in credit amount, new transactions which post to your purchase segment are not added to question. We will notify you in writing within 30 days of our receipt of your letter. While 2. Next, for each segment, we add the daily balances together and divide the sum by the We cannot try to collect the amount in question, or report you as delinquent on that number of days in the Billing Cycle. The result is the Average Daily Balance for each amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you 3. At the end of each Billing Cycle, we multiply your Average Daily Balance for each will not have to pay the amount in question or any interest or other fees related to that segment by the daily periodic rate (APR divided by 365) for that segment, and then we multiply the result by the number of days in the Billing Cycle. We add the Interest Charges While you do not have to pay the amount in question until we send you a notice about The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your letter, we will send you a written notice explaining either that we NOTE: Due to rounding or a minimum Interest Charge, this calculation may vary slightly corrected the error (to appear on your next statement) or the reasons we believe the bill How can my Variable APR change? Your APRs may increase or decrease based on one Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with of the following indices (reported in The Wall Street Journal ). The letter code below the goods or services that you have purchased with your credit card, and you have tried corresponds with the letter next to your APRs in the Interest Charge Calculation section of in good faith to correct the problem with the merchant, you may have the right not to pay 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One, P.O. Box 30285, Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an Pay online at www.capitalone.com
Pay using our mobile app
33 days in Billing Cycle
Visit www.capitalone.com to see detailed transactions. Date Description Amount
Nov 4 CAPITAL ONE MOBILE PYMTAuthDate
04-Nov
- $59.00
Date Description Amount
Oct 20 Netflix.comLos GatosCA $12.99
Oct 24 APPLE.COM/BILL866-712-7753CA $4.99
Oct 26 DISNEYPLUS888-9057888CA $6.00
Nov 8 CHEWY.COM800-672-4399FL $55.06
Nov 9 WWW.PETSMART.COM888-839-9638AZ $15.35
$94.39
Total Transactions for This Period $94.39
Fees
Date Description Amount
Total Fees for This Period $0.00
Interest Charged
Interest Charge on Purchases $9.77
Interest Charge on Cash Advances $0.00
Interest Charge on Other Balances $0.00
Total Interest for This Period $9.77
Totals Year-to-Date
Total Fees charged $0.00
Total Interest charged $71.38
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of
Balance
Annual Percentage
Rate(APR)
Balance Subject
to Interest Rate
Interest Charge
Purchases 23.99% P $450.46 $9.77
Cash Advances 23.99% P $0.00 $0.00
P,L,D,F = Variable Rate. See reverse of page 1 for details. Page 2 of 2
Platinum MasterCard Account Ending in 1344
Oct. 12, 2020 - Nov. 13, 2020
Transactions
SUSAN M MILLER #1344: Payments, Credits and Adjustments SUSAN M MILLER #1344: Transactions
SUSAN M MILLER #1344: Total
Contact this candidate