Stmnt_032010_2545.pdf

Due Date . Amount EnclosedNew Balance PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. Transactions continue on page 2 Feb. 18 - Mar. 17, 2010 28 Days in Billing Cycle Pag e 1 of 2 1-800-903-3637 www.capitalone.com MASTERCARD PLATINUM XXXX-XXXX-XXXX-2545 NEW BALANCE MINIMUM PAYMENT DUE DATE $52.06 $15.00 Apr 14, 2010 PLEASE PAY AT LEAST THIS AMOUNT Credit Limit: $1,000.00 Cash Credit Limit: $1,000.00 Available Credit: $947.94 Available Credit for Cash: $947.94 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: Payment Amount Each Period If No Additional Charges Are Made Approximate Time to Pay Off Statement Balance Estimated Total Cost Minimum Payment 4 Month(s) $52.06 If you would like information about credit counseling services, call 1-888-326-8055. LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a $39.00 late fee. Transactions New BalanceFees and Interest ChargedPrevious Balance Payments and Credits $52.06$76.67$332.41 $0.00$357.02_ + = + INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual PercentageRate (APR) Balance Subject toInterest Rate Interest Charge Purchases 0.00% $0.00 $0.00 Cash 24.90% P $0.00 $0.00 TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR MICHAEL A LEE #2545 1 19 FEB CAPITAL ONE ONLINE PYMTAuthDate 18-FEB ($155.73) 2 22 FEB CAPITAL ONE ONLINE PYMTAuthDate 20-FEB ($190.70) 3 09 MAR CAPITAL ONE ONLINE PYMTAuthDate 09-MAR ($10.59) TRANSACTIONS FOR MICHAEL A LEE #2545 1 16 FEB USPS 18439295521200QPSIOWA CITYIA $11.78 2 18 FEB USPS 18439295521200QPSIOWA CITYIA $2.24 3 19 FEB PANCHERO'S MEXICAN Q23IOWA CITYIA $10.59 4 11 MAR XM *SATELLITE RADIO800-XMRADIODC $52.06 Total Transactions This Period $76.67 FEES Total Fees This Period Total Fees This Year $0.00 $0.00 1 5178059453922545 17 0052060010590015002 $15.00$52.06 Minimum Payment TC-08 03/01/10 Are there Additional Fees associated with my account? Yes, under certain circumstances, you may be assessed a Late or Returned Payment Fee. You may also be charged overlimit fees if permitted by law. We reserve the right to not assess fees without prior notice and without waiving our right to assess a similar fee later. How can I Close My Account? You may close your account by calling or writing our Customer Relations Department. At that time, we will provide additional details including payment information. If you use your credit card or charges post to your account after you ask us to close it, we can keep your account open. What happens if my Account is Suspended? We may close or suspend your account and your right to obtain credit at any time and for any reason, even if you are not in default. Account suspension can be permanent or temporary. If your account is closed or suspended you must 1) stop using your credit card and account, 2) cancel all automatic payments, 3) destroy all credit cards and access checks, and 4) pay all amounts you owe us, even if they were charged after the account was closed or suspended. How do I Make Payments? Payments you mail to us will be credited to your account as of the business day we receive it, as long as: 1) you send the bottom portion of this statement and your check in the enclosed remittance envelope, and 2) your payment is received in one of our processing centers by 5pm local time. Please allow at least (7) business days for mail delivery. Code next to your Annual Percentage Rate (APR) Index which your rates are based on When your Annual Percentage Rate will change P L C S Quarterly Prime + margin previously disclosed to you Quarterly LIBOR + margin previously disclosed to you Quarterly CD + margin previously disclosed to you Bankcard Prime + margin previously disclosed to you The first day of the billing periods that end in January, April, July and October. D F G Monthly Prime + margin previously disclosed to you Monthly LIBOR + margin previously disclosed to you Treasury LIBOR + margin previously disclosed to you The first day of each monthly billing period. 001 17 How can I avoid paying Interest Charges? Each month you pay your "New Balance" in full, you will have a minimum grace period of 25 days with no interest charge on all new 1) purchases, 2) balance transfers, 3) special purchases and 4) other charges. If you have been paying your account in full with no interest charges applied and you do not pay your next bill in full, prorated interest charges will be assessed. There is no grace period on cash advances, special transfers, or on any new transaction when there is an unpaid balance from a previous bill. How is the Interest Charge applied? Interest charges accrue from the 1) date of the transaction, 2) date the transaction is processed or 3) first calendar day of the billing period. Interest charges accrue on every unpaid amount until it is paid in full. This means you may owe interest charges even if you pay the entire "New Balance" one month, but did not do so for the previous month. Unpaid interest charges are added to the proper segment of your Account. However, we reserve the right to not assess interest charges at any time. Do you assess a Minimum Interest Charge? Yes. A minimum INTEREST CHARGE of $0.50 will be assessed for each billing period your account is subject to an interest charge. How did you Calculate the Interest Charge? There are several calculations that are used to determine your total interest charge. 1. To get your Daily Balance: For each segment, 1) take the beginning balance and add in new transactions and the periodic interest charge on the previous day´s balance. 2) Subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if you paid your previous month´s balance in full (or if your balance was zero or a credit amount), new transactions which post to your purchase or special purchase segments are not added to the daily balances. Also, transactions that are subject to a grace period are not added to the daily balances. 2. To find your Average Daily Balance: 1) add the daily balances together and 2) divide the sum by the number of days in the billing cycle. 3. Estimate your Total Interest Charge: 1) multiply your average daily balance by the daily periodic rate and 2) multiply the result by the number of days in the billing period. NOTE: Due to rounding or a minimum interest charge, this calculation may vary from the interest charge actually assessed. How can my variable Annual Percentage Rate (APR) change? Your APR may increase or decrease based on one of seven standard indices reported in The Wall Street Journal. To find which index is used for your account, look for a code (P, L, C, S, D or F) on the front of this statement next to the APR(s). Then check the table below: Mailed payments received by us at any other location or in any other form may not be credited as of the day we receive them. Do you Process Paper Checks as an Electronic Funds Transfer? When you provide a check as payment, you authorize us and our agents either to use information from your check to make a one-time electronic fund transfer from your deposit account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your deposit account as soon as the same day we receive your payment and you will not receive your check back from your financial institution. Your authorization is not limited by the date on the check. We may resubmit and electronically collect the returned payments. What if I file for Bankruptcy? If you are entitled to bankruptcy protection, this communication is for information only, it is not an attempt to collect, assess or recover a debt or claim. Do not send us payments without speaking with your bankruptcy attorney or the Bankruptcy Court. If you or your attorney would like to contact our bankruptcy claims servicer directly, please contact: Capital One · PO Box 85167 · Richmond, VA 23285-5167 BILLING RIGHTS SUMMARY (Does Not Apply to Small Business Accounts) 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. · Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us or notify us by website, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: · We cannot try to collect the amount in question, or report you as delinquent on that amount. ·You do not need to pay any disputed amounts and related interest charges or fees until we send you a notice about the outcome of our investigation. · 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 will not have to pay the amount in question or any interest or other fees related to that amount. · While you do not have to pay the amount in question, you are responsible for the remainder of your balance. · We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. 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 qualify. 3. You must not yet have fully paid for the purchase. 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 amount and you do not pay we may report you as delinquent. Capital One supports information privacy protection: see our website at www.capitalone.com Capital One is a federally registered service mark of Capital One Financial Corporation. All rights reserved © 2010 Capital One Credit Limit: $1,000.00 Available Credit: $947.94 Cash Credit Limit: $1,000.00 Available Credit for Cash: $947.94 TRANSACTIONS CONTINUED Feb. 18 - Mar. 17, 2010 28 Days in Billing Cycle 1-800-903-3637Pag e 2 of 2 www.capitalone.com MASTERCARD PLATINUM XXXX-XXXX-XXXX-2545 NEW BALANCE MINIMUM PAYMENT DUE DATE $52.06 $15.00 Apr 14, 2010 TransactionsPayments and Credits New BalanceFees and Interest ChargedPrevious Balance $52.06$76.67$0.00$357.02$332.41 _ + = + INTEREST CHARGED Total Interest This Period Total Interest This Year $0.00 $0.00 CapitalOne CapitalOne Credit Card Statement Credit Card Statement