EFTA00123801.pdf

Page 1 of 2 Capita - Platinum MasterCard Account Ending in Dec. 16. 2018 Jan. 15. 2019 31 cays in Billing Cycle Payment Information Account Summary Payment Due Date For online and phone payments, Previous Balance $256.21 the deadline is 8pm ET. Feb. 12. 2019 Payments - $400.00 New Balance Minimum Payment Due Other Credits $0.00 $341.07 $15.00 Transactions + $483.06 Cash Advances + $0.00 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 $38.00. Fees Charged + $0.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you Interest Charged + $1.80 longer to pay off your balance. For example: New Balance = $341.07 If you make no You will pay off i And you will additional charges using the balance shown end up paying this card and each on this statement an estimated Credit Limit $750.00 month you pay... in about... Available Credit (as of Jan. 15, 2019) $408.93 Minimum Payment 3 Years $509 Cash Advance Credit Limit $100.00 If you would like intonation about credit counseling services, call 1-888-326-8055. Available Credit for Cash Advances $100.00 300086 Get the app designed to save time. Effortlessly manage your account on the go with 31° the Capital One mobile app. Text ONE to 80101 to • r• Account Notifications 0 New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: 1-877-226-5697 or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalune.curn. Customer Service: 1-800-903-3637 See reverse for Important Information Please send us this portion of your statement and on one check (or one money Wei) to ensure your payment is processed promptly. Allow at least seven business days for delivery. 400039 Pay your bill Payment Due Date: Feb. 12, 2019 Account Ending in NM on the go. Pay your bill securely and review transactions with the New Balance Minimum Payment Due Amount Enclosed Capital One' mobile app. $341.07 $15.00 Text ONE to 80101 to download the app. Messaging & Data rates may apply. Capital One P.O. Box 6492 Illml Carol Stream. IL 60197-6492 1 5178057737152020 15 03410704 00000015000 EFTA00123801  001 How can I Avoid Payino Interest Charoes? If you pay your statement's New Balance in How do you Process Payments? When you make a payment you authorize us to full by the eke date. we wil not charge you interest on any new transactions that post to Initiate an ACH or electronic payment that mil be debited from your bank account or the purchase segment. If you have been paying your ascoun in full with no Interest other related account. When you provide a check or check information to make a Charges. but then you do not pay your next New Balance In full, we will charge interest on payment, you authorize us to use information from the check to make a onetime ACH or the portion of the balance that you did not pay. For Cash Advances and Special other electronic transfer from your bank account. We may also process it as a check Transfers. we will sten charging Interest on the transaction date. Certain promotional transaction. Funds may be withdrawn from your bank account as soon as the same day offers may allow you to pay less than the total New Balance and avoid paying Interest we process your payment. Charges on new pirchases. Please refer to the front of your statement for additional How do you Apply My Payment? We generally apply payments up to your Mirimitn information. Payment first to the balance with the lowest APR (including 0% APR). and then to How Is the Interest Charm applied? Interest Charges accrue from the date of the balances with higher APRs. We apply any pan of yourpayment exceeding your Minimum transaction or the first day of the Biting Cycle. Interest Charges accrue on every unpaid Payment to the balance with the highest APR and then to balances with lower APRs. amount until it is paid in kill. This means you may owe Interest Charges even if you pay Minna Rights Summary (Does not Apoir to Small Business Accounts) the entire New Balance for one Biting Cycle. but did not do so the previous Billing Cycle. What To Do If You Think You Find A Mistake On Your Statement: If you think there Unpaid Interest Charges are added to the corresponding segment of you account. is an error on you statement, write to us at: Do you assess a Minimum Interest Charge? We may assess a minimum Interest Capital One P.O. Box 30285 Salt Lake City. UT 84130-0285. Charge of $0.50 for each Silting Cycle if your ascoun is subject to an Interest Charge. In your letter. give us the following information: How do you Calculate the Interest Charts'? We use a method called Average Daily Balance finagling new transactions). • Account information: Your name and account number. 1. First for each segment we take the beginning balance each day and add in new • Dollar amount: The dollar amount of the suspected error. transactions and the periockc Interest Charge on the previous days balance. Bien we • Description of Problem: If you think there is an error on your bit. describe what you subtract any payments and credits for that segment as of that day. The result is the believe is wrong and why you beim it is a mistake. You must contact us within 60 daily balance for each segment. However, if your previous statement balance was zero days after the error appeared on your statement You must notify us of any potential or a credit amount new transactions which post to your purchase segment are not errors in writing. You may call us or notify us electronically, but if you do we are not added to the daily balance. required to investigate any potential errors and you may have to pay the amount 2. Next br each segment. we add the daily balances together and divide the sum by the question. We wil notify you n writing within 30 days of our receipt of you letter. While number of days in the Biking Cycle. The result is the Average Daily Balance for each we investigate whether or not there has been an error, the knowing are true: segment. • We cannot try to collect the amount in question, or report you as delinquent on that 3. At the end of each Boling Cycle, we multiply your Average Daly Balance for each amount. The charge in question may rein* on your statement and we may continue to segment by the deity periodic rate (APR divided by 365) for that segment. and then we charge you interest on that amount But, if we determine that we made a mistake, you multnly the result by the number of days In the Billing Cycle. We add the Interest will not have to pay the amount in question or any interest or other fees related to that Charges for all segments together. The resift is your total Interest Charge for the Billing amount. Cycle. • While you do not have to pay the amount in question until we send you a notice about The Average Daly Balance is referred to as the Balance Subject to Interest Rale n the the outcome of our investigation. you are responsible for the remainder of your balance. Interest Charge Calculation section of this Statement • We can apply any unpaid amount against your credit toil Within 90 days of our NOTE: Due to rounding or a minimum Interest Charge. this calculation may vary slightly receipt of your letter, we wil send you a written notice explaining either that we from the Interest Charge actually assessed. corrected the error (to appear on your next statement) or the reasons we believe the SI How can my Variable APR change? Your APRs may increase or decrease based on one IS correct. of the following inthoes (reported in The Wafl Street Journal ). The letter code below Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with corresponds with the letter next to your APRs in the Interest Charge Calculation section of the goods or services that you have purchased with your credit card. and you have tried his statement. In good faith to mired the problem with the merchant you may have the right not to pay Code next to How do we calculate your When your APRs) will change the remaining amount due on the purchase. To use this right. the following must your APFt(s) APR(s)? Index + margin be true: P Prime Rate + margin The first day of the Billing Cycles that 1) You must have used your credit card for the purchase. Purchases made with cash L 3 month LIBOR + margin end in Jan.. Ape. July. and Oct. advances from an ATM or with a check that accesses your credit card account do not qualify. and D Prime Rate + margin The first day of each Billing Cycle. 2) You must not yet have telly paid for the pushes°. F 1month LIBOR + margin If all of the criteria above are met and you are still dissatisfied with the purchase, contact \low can I Avoid Membership Fees? If a Renewal Notice ernted on th statement. us in writing at: Capital One. P.O. Box 30285. Salt Lake City. UT 84130-0285. While we you may avoid paying an annual membership Fee by contacting Customer Service no later investigate. the same rules apply to the disputed amount as discussed above. After we than 45 days after the last day in the Siting Cycle covered by this statement to request finish our investigation. we will tell you our decision. At that pont. if we think you owe an that we close your account. To avoid paying a monthly membership Fee, close you. amount and you do not pay we may report you as delinquent. account and we will stop assessing your monthly membership Fee. How can I Close My Account? You can contact Customer Service anytime to request ETC-08 92016 Capital One. Capital One is a federaty registered service mark 1101116 that we close your account. Changing Mailing Address? How do I Make Payments? You may make your payment in several ways: 1. Online Barking by logging into your accoint 2. Capital One Mobile Banking app for approved electronic devices: You can change your address by signing into your account online or Gating Customer 3. Calling the telephone number listed on the front of this statement and providing the Sews. required payment information: 4. Sending mail payments to the address on the front of this statement with the payment coupon a your aCCOiall 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 mall delivery. Mated 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. EFTA00123802  Page 2 of 2 Capital()* Platinum MasterCard Account Ending in MI Dec. 16. 2018 - Jan. 15. 2019 131 days in Billing Cycle Interest Charge Calculation Visit e.Luni to see detailed transactions. Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subject Interest Charge Payments, Credits and Adjustments Balance Rate(APR) to Interest Rate Date Description Amount Purchases 25J5% P $84.11 $1.80 Dec 26 CAPITAL ONE ONLINE PYMTAtrthDate - $400.00 Cash Advances 27.15% P $0.00 $0.00 26-Dec P,L,D,F = Variable Rate. See reverse of page 1 for details. Transactions Date Description Amount Dec 18 Dec 20 Dec 21 Jan 4 Amazon PrimeAmzn.conVbillWA MACYS KINGS PLAZABROOKLYNNY BURLINGTON STORES 1101BROOKLYNNY DPEDIA $14.14 $60.99 $65.50 $166.33 11 Stay on top of your credit score. Monitor your credit store with CreditWise built right into the Capital One' mobile app. rates may apply. 7402459625461EXPEDIA.COMWA Jan 5 ALDO US 42904CENTRAL VALLENY $44.98 Jan 5 COSMETICS STRO WOODBURCENTRAL $38.97 VLYNY Jan 5 BEAR MOUNTAIN LODGINGBEAR $10.81 MOUNTAINNY ARRIVE: 01/04/19 DEPART: 01/05119 FOLIO*: 000003056 PM,: 800-430-7161 Jan 8 AMZN Mktp $34.44 US*M28069WD2Amzn.comibillWA Jan 8 OMNIVISTA HEALTH800-8061492MD $46.90 Total $483.08 Total Transactions for This Period $483.06 F. Date Description Amount Total Fees for This Period $0.00 Interest Charged Interest Charge on Purchases $1.80 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $1.80 Totals Year-to-Date Total Fees charged $0.00 i Total Interest charged $1.80 EFTA00123803  Page 1 of 2 Platinum MasterCard Account Ending in MI CaPhajOne Jan. 16. 2019 Feb. 15. 2019 31 cays in Billing Cycle Payment Information ' e Summ-ry Payment Due Date . ._ For online and bhone oavments the deadline is 8pm ET. Previous Balance $341.07 Mar. 12, 2019 Payments - $453.98 New Balance Minimum Payment Due Other Credits $0.00 $478.53 $15.00 Transactions + $591.44 Cash Advances + $0.00 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 $38.00. Fees Charged + $0.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you Interest Charged + $0.00 longer to pay off your balance. For example: New Balance = 9478.53 If you make no You will pay off And you will additional charges using the balance shown end up paying this card and each on this statement an estimated Credit Limit $750.00 month you pay... in about... total of.. Available Credit (as of Feb. 15, 2019) $271.47 Minimum Payment 6 Years $930 Cash Advance Credit Limit $100.00 $19 3 Years $686 Available Credit for Cash Advances $100.00 Estimated savings if balance is paid off in about 3 years: $244 If you would like intonation about credit counseling services, call I-888-326-8(65. Make a statement Go paperless. Stop waiting for your bill to arrive in the mail and go paperless today. Log in o you account to make the switch to papa Account Notifications 0 New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: 1-877-226-5697 or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: 1-800-903-3637 See reverse for Important Information Please send us this portion of your statement and onty one check (or one money order) to ensure your payment is processed promptly. Allow at least seven business days for delivery. 400038 Get the app designed to save time. Payment Due Date: Mar. 12, 2019 New Balance $478.53 Minimum Payment Due $15.00 Account Ending in NM Amount Enclosed 7 - Effortlessly manage your _ __, account on the go with the Capital One* mobile app. Text ONE to 801 . Messaging Capital One P.O. Box 6492 Carol Stream, IL 60197-6492 1 5178057737152020 15 0478530453980015007 EFTA00123804  001 How can I Avoid Payino Interest Charoes? If you pay your statement's New Balance in How do you Process Payments? When you make a payment you authorize us to full by the eke date. we wil not charge you interest on any new transactions that post to Initiate an ACH or electronic payment that mil be debited from your bank account or the purchase segment. If you have been paying your ascoun in full with no Interest other related account. When you provide a check or check information to make a Charges. but then you do not pay your next New Balance In full, we will charge interest on payment, you authorize us to use information from the check to make a onetime ACH or the portion of the balance that you did not pay. For Cash Advances and Special other electronic transfer from your bank account. We may also process it as a check Transfers. we will sten charging Interest on the transaction date. Certain promotional transaction. Funds may be withdrawn from your bank account as soon as the same day offers may allow you to pay less than the total New Balance and avoid paying Interest we process your payment. Charges on new pirchases. Please refer to the front of your statement for additional How do you Apply My Payment? We generally apply payments up to your Mirimitn information. Payment first to the balance with the lowest APR (including 0% APR). and then to How Is the Interest Charm applied? Interest Charges accrue from the date of the balances with higher APRs. We apply any pan of yourpayment exceeding your Minimum transaction or the first day of the Biting Cycle. Interest Charges accrue on every unpaid Payment to the balance with the highest APR and then to balances with lower APRs. amount until it is paid in kill. This means you may owe Interest Charges even if you pay Minna Rights Summary (Does not Apoir to Small Business Accounts) the entire New Balance for one Biting Cycle. but did not do so the previous Billing Cycle. What To Do If You Think You Find A Mistake On Your Statement: If you think there Unpaid Interest Charges are added to the corresponding segment of you account. is an error on you statement, write to us at: Do you assess a Minimum Interest Charge? We may assess a minimum Interest Capital One P.O. Box 30285 Salt Lake City. UT 84130-0285. Charge of $0.50 for each Silting Cycle if your ascoun is subject to an Interest Charge. In your letter. give us the following information: How do you Calculate the Interest Charts'? We use a method called Average Daily Balance finagling new transactions). • Account information: Your name and account number. 1. First for each segment we take the beginning balance each day and add in new • Dollar amount: The dollar amount of the suspected error. transactions and the periockc Interest Charge on the previous days balance. Bien we • Description of Problem: If you think there is an error on your bit. describe what you subtract any payments and credits for that segment as of that day. The result is the believe is wrong and why you beim it is a mistake. You must contact us within 60 daily balance for each segment. However, if your previous statement balance was zero days after the error appeared on your statement You must notify us of any potential or a credit amount new transactions which post to your purchase segment are not errors in writing. You may call us or notify us electronically, but if you do we are not added to the daily balance. required to investigate any potential errors and you may have to pay the amount 2. Next br each segment. we add the daily balances together and divide the sum by the question. We wil notify you n writing within 30 days of our receipt of you letter. While number of days in the Biking Cycle. The result is the Average Daily Balance for each we investigate whether or not there has been an error, the knowing are true: segment. • We cannot try to collect the amount in question, or report you as delinquent on that 3. At the end of each Boling Cycle, we multiply your Average Daly Balance for each amount. The charge in question may rein* on your statement and we may continue to segment by the deity periodic rate (APR divided by 365) for that segment. and then we charge you interest on that amount But, if we determine that we made a mistake, you multnly the result by the number of days In the Billing Cycle. We add the Interest will not have to pay the amount in question or any interest or other fees related to that Charges for all segments together. The resift is your total Interest Charge for the Billing amount. Cycle. • While you do not have to pay the amount in question until we send you a notice about The Average Daly Balance is referred to as the Balance Subject to Interest Rale n the the outcome of our investigation. you are responsible for the remainder of your balance. Interest Charge Calculation section of this Statement • We can apply any unpaid amount against your credit toil Within 90 days of our NOTE: Due to rounding or a minimum Interest Charge. this calculation may vary slightly receipt of your letter, we wil send you a written notice explaining either that we from the Interest Charge actually assessed. corrected the error (to appear on your next statement) or the reasons we believe the SI How can my Variable APR change? Your APRs may increase or decrease based on one IS correct. of the following inthoes (reported in The Wafl Street Journal ). The letter code below Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with corresponds with the letter next to your APRs in the Interest Charge Calculation section of the goods or services that you have purchased with your credit card. and you have tried his statement. In good faith to mired the problem with the merchant you may have the right not to pay Code next to How do we calculate your When your APRs) will change the remaining amount due on the purchase. To use this right. the following must your APFt(s) APR(s)? Index + margin be true: P Prime Rate + margin The first day of the Billing Cycles that 1) You must have used your credit card for the purchase. Purchases made with cash L 3 month LIBOR + margin end in Jan.. Ape. July. and Oct. advances from an ATM or with a check that accesses your credit card account do not qualify. and D Prime Rate + margin The first day of each Billing Cycle. 2) You must not yet have telly paid for the pushes°. F 1month LIBOR + margin If all of the criteria above are met and you are still dissatisfied with the purchase, contact \low can I Avoid Membership Fees? If a Renewal Notice ernted on th statement. us in writing at: Capital One. P.O. Box 30285. Salt Lake City. UT 84130-0285. While we you may avoid paying an annual membership Fee by contacting Customer Service no later investigate. the same rules apply to the disputed amount as discussed above. After we than 45 days after the last day in the Siting Cycle covered by this statement to request finish our investigation. we will tell you our decision. At that pont. if we think you owe an that we close your account. To avoid paying a monthly membership Fee, close you. amount and you do not pay we may report you as delinquent. account and we will stop assessing your monthly membership Fee. How can I Close My Account? You can contact Customer Service anytime to request ETC-08 92016 Capital One. Capital One is a federaty registered service mark 1101116 that we close your account. Changing Mailing Address? How do I Make Payments? You may make your payment in several ways: 1. Online Barking by logging into your accoint 2. Capital One Mobile Banking app for approved electronic devices: You can change your address by signing into your account online or Gating Customer 3. Calling the telephone number listed on the front of this statement and providing the Sews. required payment information: 4. Sending mail payments to the address on the front of this statement with the payment coupon a your aCCOiall 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 mall delivery. Mated 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. EFTA00123805  Page 2 of 2 Capital(lie Platinum MasterCard Account Entling in IM Jan. 16. 2019 Feb. 15. 2019 1 31 days in Billing Cycle Transactions Interest Charge Calculation Visit www.Lapitaluite.Lum to see detailed transactIons. Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Pereentage Balance Subject Interest Charge • Payments, Credits and Adjustments Balance Rate(APR) to Interest Rate Date Oescription Mount Purchases 25.15% P $0.00 $0.00 Feb 4 CAPITAL ONE ONLINE PYMTAtrthDate - $453.98 Cash Adventes 27.15% P $0.00 $0.00 04-Feb P,L,D,F = Variable Rate. See reverse of page 1 for details. Transactions Date Deseription Mount 3000e Jan 18 Jan 21 Jan 21 Feb 7 Amazon PrimeAnun.comfbillWA EXPRESS #1874ALBANYNY VICTORIAS SECRET 0504ALBANYNY BROOKLYN NETS718-933-3000NY $14.14 $31.20 $67.57 $125.00 II Protect your credit score. Detect fraud with automatie alerts if your credit report changes with &SWseil-buit right into the Capital 0ne' mobile app. Feb 10 AMZN Mktp $33.86 US*MB1V42R22Anun.comfbillWA Feb 10 AMZN Mktp $26.43 US*MB93COIC2Anun.com/billWA Feb 11 MACTS COLONIE CENTERALBANYNY $24.58 Feb 14 CheapTix*7412429881718www.ctix.infoWA $9.10 Feb 14 CheapTix*7412432655313mwd.ctix.infoWA $33.00 Feb 14 BWIA $226.56 10672822500653800-9204225NY TKM: 10672822500653 PSGR: JAIME RIVAS WIL ORIG: SVD, DEST: POS CARRIER: MA SVC: Y ORIG: SVD, DEST: SVO CARRIER: MA SVC: Y Total $591.44 Total Transactions for This Period $591.44 Date Deacription Mount Total Fees for This Period $0.00 Interest Charge on Purchases 50.00 Interest Charge on Cash Adventes 50.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $0.00 Totals Year-to-Dato Total Fees charged 50.00 Total Interest charged 51.80 EFTA00123806