EFTA00123723.pdf

Page 1 of 2 Customer Service Dec.16 - Jan. IS, 2017 31 Days in Billing Cyde Capital_()fie www.capdalone.com ] MINIMUM PAYMENT WAMANG: Nyco wee celytherreirrompayrtorteachpeiod. ycu ailpay rue iteeslaxl e ma° youlorgerb pay cdp:u telarce. Forman*: Platinum MasterCard Account ending in Payment Amount Each Period It No Approximate Time to Pay Olt Estimated PEWBALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $166.71 &ISA° Feb 12.2017 lairrunParnert 1614:rdysi $196 e!'• Pyounoldlienlormstcoatotamilcanscikmatevces.oe ALFAS( PAY AT ILAIST DISMOUNT LATE PAYMENT WARNING: Ewe&ix receaeyourrintrunpapa boarduedale. Credit Limit 5750.00 Cash Advance Credit Limit SI00.00 you rray ham a:, pay a late be MSIRCO Available Credit: 5583.29 Available Credit for Cash Advances: $583.29 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $13.21 j — L $407.92 $0.50 ) $560.92 $166.71 I New York residents may contact the New York State Department of Anancial Services to obtain a comparative listing of aedit card rates, fees, and race riods. Contact the Its easy to set up your New YorkState Department of finandal SeMces: or www.dfs.ny.gov. TRANSACTIONS FREE account alerts: First, "Log In" to Online Banking. Next, sign up by: PAYMENTS, CREDITS & ADJUSTMENTS FOR 1 11 JAN Cap 1 ElecPhonePmt VRUAuthDate 11-JAN ($407.92) 1. Clicking "Messaging and Alerts" 2. Clang "Set Alerts" 3. Choosing the free alerts you'd like to receive TRANSACTIONS FOR 1 22 DEC AMERICAN $206.45 Your carrier may charge a fee for each text message alert you receive. TK#: 300007C PSGR: ORIG: YYZ ()EST: LGA NO: 0 CARRIER: AA SVC: V 2 25 DEC GOOGLE 'Magic Minorg.00lpayhelp#CA $0.99 INTEREST CHARGE CALCULATION 3 31 DEC PEACH AND LILY8003389152NY $69.68 Your Annual Percentage Rate (APR) is the annual interest rate on your account. 4 03 JAN AMERICAN 00010269972350TORONTOON $19.67 Annual Percentage Balance Subject to CURRENCY: CAD EXCHANGE RATE: 1.334519573 Type of Balance Interest Charge Rate (APR) Interest Rate TK#: C010269972350 PSGR: Purchases 23.40% P $11.20 $0.00 Cash Advances 25.40% P S0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details Transactions continue on page 2 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO VVVVW.CAPiTALONE.COM TO MAKE YOUR PAYMENT ONLINE. Account ending in I= Due Date New Balance Minimum Payment Amount Enclosed C ENJOY 24/7 ACCESS TO YOUR ACCOUNT Feb.12,2M7 $166.71 $15.00 )1. _op in and range your account amine at wacapaalone win • pei bus PLEASE PAY AT LEAST • Crock your bblint• THIS AMOUNT • A a,'en transactions BROOKLYN, NY 11234-4029 Ca ital One Bank (USA). N.A. Mod Charlotte, NC 28272-1063 EFTA00123723  How can I Avoid Paving Interest Charges? If you pay your statemenrs New Balance in How do you Process Payments? When you make a payment you authorize us to full by the due date, we will not charge you interest on any new transactions that post to Initiate an ACH or electronic payment that will be debited from your bank account or the purchase segment. If you have been paying your accoian 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 one-lime ACH or the portion 04 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 purchases. Please refer to the front of your statement for additional How do you Apply My Payment? We generally apply payments up to your Mono informabon. Payment first to the balance with the lowest APR including 0% APR). and then to Now Is the Interest Charge 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 Billing Cycle. Inkiest 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 Billing Rights Summary (Does not/loch to Small Bigness Accounts) the entire New Balance for one Baling 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 your account. is an error on it statement. write to us at: Do you assess a Minimum Interest Charge? We may assess a minimum Interest Capital One Salt Lake City. UT 84130-0285. Charge of $0.50 for each Billing Cycle if your accoint is subject lo an Interest Charge. In your letter. give us the following nktmation: FlOv_ate_you Calculate the Interest Chem? We use a method called Average Daily Balance (including 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 periodic Interest Charge on the previous days balance. Then we • Description of Problem: If you think there is an error co 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 believe 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 wit notify you n writing within 30 days of our receipt of your letter. Wile number of days in the Riling Cycle. The result is the Average Daily Balance for each we investigate whether or not there has been an error, the taming are true: segment. • We cannot try to collect the amount in question, or report you as delinquent on that 3. Al the end of each Billing Cycle, we multiply your Average Daly Balance for each amount. The charge in question may remain 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 multgly 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 Rao 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 hmit. 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 big Now can my Variable APR change? Your APRs may increase Cr decrease based on one is correct. of the following indices (reponed in The Wag 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 this statement. In good faith to cared 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 retuning 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.. April. Jay. ard Oct. advances from an ATM or with a check that accesses your credit card account do not qualify. and Prime Rate + margin The first day of each Billing Cycle. 2) You most not yet have fully paid for the purchase. F 1month LIBOR + margin If all of the criteria above are met and you are still dissatisfied with the purchase, contact Row can I Avoid Membership Fees? If a Renewal Notice prehad th statement us in writing at: Capital One. Salt Lake City, UT 84130-0285. While we ou may avoid paying an annual membership Fee by contacting Customer Service no late: investigate. the same rules apply to the disputed amount as discussed above. After we than 45 days after the last day in the Biting 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 mod 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 me Service anytime to request ETC-08 ti 2016 Capital One. Capital One is a federaly registered service mark 11i131/16 that we close your account. Changing Mailing Address? 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 Barking app for approved electronic devices. You can change your address rnmedatehr at capnalone.com or convict, the information 3. Calling the telephone number listed on the front of this statement and providing the below. and man this coupon with your payment. Please print using blue or black ink. required payment information: 4. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. Street When will you Credit My Payment? • For mobile, online or over the ohms. as of the business day we receive it as bog City as it is made by 8 p.m. ET. • For mall, as of the business day we receive it as long as it is received by 5 p.m. State Zip code local lime 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. Plane 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 Final credited as of the day we receive them. (411 1$ EFTA00123724  ai2 of 2 Customer Service Dec. 16 -Jan. 15, 2017 31 Days In Billing Cyde Capitalone www.capitalone.com Credit Limit S750.00 Platinum MasterCard Account ending In Available Credit 5583.29 &W BALANCE MINIMUM PAYMENT DUEDATE Cash Advance Credit Limit 5100.00 $166.71 $16.00 Fth 12,2017 Available Credit for Cash Advances: 5100.00 Previous Balance Payments and Credits Fees and Interest Cha ed Transactions New Balance - 1 $13.21 $407.92 $560.92 c $166.71 TRANSACTIONS CONTINUED TRANSACTIONS FOR (CONTINUED) ORIG: EBC, DEST: FEE 90:0 CARRIER: AA SVC: 5 04 JAN HAAGEN DAZSWEST NYACKNY $18.42 6 04 JAN I LY 2WEST NYACKNY $79.50 7 12 JAN SALLY BEAUTY 019078ROOlaYNNY $28.59 8 12 JAN MADRAG 6300868ROOKLYNNY $117.63 9 12 JAN 9 WEST OUTLET 025B2BROOKLYNNY $19.99 Tolailor $680.92 Do• TdalTarsedlonsltiblkdod $560.92 FEES I 14 JAN MINIMUM INTEREST CHARGE $0.50 Total Fees TM Period $0.50 INTEREST CHARGED Total Interest This Period S0.00 TOTALS YEAR TO DATE Total Fees TM Year S0.50 Total Interest This Year S0.00 EFTA00123725  Page 1 of 2 041orner Sertce Jan. 16 - Feb. 15, 2017 31 Days in Billing Cyd1 CapitaOt www.CaphalOne.COm MINIMUM PAYMENT WARNING: Nyco mike arty Me maremperwleachpetad.mu MIpay rrue initcresla4 A MIRA° youlonaert poi ol Au[dance. For exalle: Platinum MasterCard Account ending in Payment Amount Each Period II No Approximate Time to Pay Off Estimated PEWBALANCE MINIMUM PAYMENT DUEDATE Additional Charges Are Made Statement Balance Total Cost $471.12 $15.00 Mar 12, 2017 lAntrunPatten 6Yws S347 $18 3Was I SOSO e!'• mfaSE PAY AT YEAST ThiSMOuNT Estimated savings If balance Is pald off in about 3 yean: $187 Credit Limit 5750.00 Cash Advance Credit Umit $100.00 II you %oldlie stematalabas neck cculsdho smices. adl Available Credit: 5278.88 Available Credit for Cash Advances: $100.00 LATE PAYMENT WARNING: Nada=rectmep.rnannunpartaiby yarduedie. Au way hamkipay a Late ke cltp b$I9ta Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance S166.71 $514.51 j I SO 00 + S818.92 $471.12 New York residents may contact the New York State Department of Anancial Services to 300075 obtain a comparative listing of aedit card rates, fees, and race rods. Contact the New YorkState Department of Finandal SNviCei: or www.dfs.ny.gov. Introducing Samsung Pay TRANSACTIONS Pay almost anywhere you PAYMENTS, CREDITS & ADJUSTMENTS FOR SAMSUNG 1 18 JAN CheapTbe7237924697077vmw.aix.infoWA can swipe or tap your card. pay 2 03 FEB Cap 1 BecPhonePmtVRUAuthDate 03.FE8 (1500.00) Learn more at: www.capitalone.com/ TRANSACTIONS FOR samsungpay 1 18 JAN Cheapnye7237924697077vmw.aix.inloWA $22.00 2 18 JAN AMAZON MKTPLACE PMTSAMZN.COM'BILLWA $30.37 Certain Capital One ay., s are not eligible, including partner card% 3 18 JAN WESTIET $104.61 PSGR: NTEREST CHARGE CALCULATION ORIG: YYZ OEST: LGA Your Annual Percentage Rate (APR) is the annual interest rate on your account. 5/0: 0 CARRIER: WS SVC: I Annual Percentage Balance Subject to 4 23 JAN AMAZON MKTPIACE PMTSAMZN.COPNBILLWA $21.42 Type of Balance Interest Charge Rate (APR) Interest Rate S 23 JAN APPLEMES 981635500537GLENMONTNY $48.48 6 24 JAN SUNOCO 0395691900 OPSALBANYNY $30.03 Purchases 23.40% P S0.00 S0.00 Cash Advances 25.40% P S0.00 S0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details Transactions continue on page 2 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO VVWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. Account ending in 400025 Due Date New Balance Minimum Payment Amount Endo:cc Your new statement Mar. 12,2017 $471.12 $15.00 is coming next month. Redesigned with you in mind. PLEASE PAY AT LEAST THIS AMOUNT Watch a video walk-through of your new simplified statement at: capitalone.com/MyNewStatement BROOKLYN, NY 11234-4029 Ca ital One Bank (USA). N.A. Red Charlotte, NC 28272-1063 EFTA00123726  How can I Avoid Paving Interest Charges? If you pay your statemenrs New Balance in How do you Process Payments? When you make a payment you authorize us to full by the due date, we will not charge you interest on any new transactions that post to Initiate an ACH or electronic payment that will be debited from your bank account or the purchase segment. If you have been paying your accoian 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 one-lime ACH or the portion 04 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 purchases. Please refer to the front of your statement for additional How do you Apply My Payment? We generally apply payments up to your Mono informabon. Payment first to the balance with the lowest APR including 0% APR). and then to Now Is the Interest Charge 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 Billing Cycle. Inkiest 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 Billing Rights Summary (Does not/loch to Small Bigness Accounts) the entire New Balance for one Baling 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 your account. is an error on it statement. write to us at: Do you assess a Minimum Interest Charge? We may assess a minimum Interest Capital One Salt Lake City. UT 84130-0285. Charge of $0.50 for each Billing Cycle if your accoint is subject lo an Interest Charge. In your letter. give us the following nktmation: FlOv_ate_you Calculate the Interest Chem? We use a method called Average Daily Balance (including 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 periodic Interest Charge on the previous days balance. Then we • Description of Problem: If you think there is an error co 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 believe 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 wit notify you n writing within 30 days of our receipt of your letter. Wile number of days in the Riling Cycle. The result is the Average Daily Balance for each we investigate whether or not there has been an error, the taming are true: segment. • We cannot try to collect the amount in question, or report you as delinquent on that 3. Al the end of each Billing Cycle, we multiply your Average Daly Balance for each amount. The charge in question may remain 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 multgly 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 Rao 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 hmit. 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 big Now can my Variable APR change? Your APRs may increase Cr decrease based on one is correct. of the following indices (reponed in The Wag 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 this statement. In good faith to cared 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 retuning 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.. April. Jay. ard Oct. advances from an ATM or with a check that accesses your credit card account do not qualify. and Prime Rate + margin The first day of each Billing Cycle. 2) You most not yet have fully paid for the purchase. F 1month LIBOR + margin If all of the criteria above are met and you are still dissatisfied with the purchase, contact Row can I Avoid Membership Fees? If a Renewal Notice prehad th statement us in writing at: Capital One. Salt Lake City, UT 84130-0285. While we ou may avoid paying an annual membership Fee by contacting Customer Service no late: investigate. the same rules apply to the disputed amount as discussed above. After we than 45 days after the last day in the Biting 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 mod 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 me Service anytime to request ETC-08 ti 2016 Capital One. Capital One is a federaly registered service mark 11i131/16 that we close your account. Changing Mailing Address? 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 Barking app for approved electronic devices. You can change your address rnmedatehr at capnalone.com or convict, the information 3. Calling the telephone number listed on the front of this statement and providing the below. and man this coupon with your payment. Please print using blue or black ink. required payment information: 4. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. Street When will you Credit My Payment? • For mobile, online or over the ohms. as of the business day we receive it as bog City as it is made by 8 p.m. ET. • For mall, as of the business day we receive it as long as it is received by 5 p.m. State Zip code local lime 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. Plane 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 Final credited as of the day we receive them. (411 1$ EFTA00123727  Pa 2 of 2 Customer Smite ran.% - Feb. IS, 2017 31 Days in Billing Cyde Capital www.capilaione.com Credit Limit 5750.00 Platinum MasterCard Account ending in Available Credit 5278.88 NB? BALANCE MINIMUM PAYMENT DUE DATE Cash Advance Credit Umit 5100.00 $471.12 $15.00 MIX12,2017 Available Credit for Cash Advances: 5100.00 Previous Balance Payments and Credits Fees and Interest Cbarpid Transactions New Balance Th $166.71 $514.51 $0.00 I $818.92 $471.12 ) ••• TRANSACTIONS CONTINUED TRANSACTIONS FOR (CONTINUED) 7 27 JAN LAGUARDIA USA, LLCNEWYORIOIT $29.50 8 31 JAN WESTJET $199.26 PSGIt ORIG: LGA, DEST: YYZ CARRIER WS SVC: I ORIG: YYZ (AST: LGA 90: 0 CARRIER: WS SVC: I 9 31 JAN PEACH AND LILY8003389152NY 5108.88 10 07 FEB WENDYS 8513GLENMOUTHY $9.16 11 08 FEB MACYS FLUSHINGFWSHINGNY $84.92 12 08 FEB ALDO US 02156WFST NYACKNY $52.17 13 08 FEB EXPRESS00215WEST NYACKNY $78.12 Talellor $818.92 ► TotallarsaclicallikFtiod $818.92 FEES Total Fees This Period $0.00 INTEREST CHARGED Total Interest This Period $0.00 TOTALS YEAR TO DATE Total Fees This Year $0.50 Total Interest This Year $0.00 EFTA00123728  Page 1 of 2 CapitaOne Platinum MasterCard Account Ending in Feb. 16. 2017 - Mar. 15, 2017 I 28 days in Billing Cycle Payment Information •cceunt Summ.ry Payment Due Date For online and phone payments. Previous Balance $471.12 the deadline is 8pm ET. Apr. 12, 2017 Payments - $450.00 New Balance Minimum Payment Due Other Credits $0.00 $295.12 $15.00 Transactions + $270.68 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 $19.00. 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 + $3.32 longer to pay off your balance. For example: New Balance = ;295.12 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 Mar. 15, 2017) $454.88 Minimum Payment 3 Years $