Best Credit Card Information from http://www.breakoutofdebt.eu/

1. CAPITAL ONE CREDIT CARD PAYMENT
About Capital One Bank (Credit Cards):
Richard Fairbank and Nigel Morris founded Capital One Financial Corporation in 1988. This
apex US based multibillion banking holding company has its headquarters in Virginia, United
States. The company is known for it’s specialization in credit card, home loans, banking
services and other saving products. To the current date the corporation has more than
27,826 employees working for its nearly 1000 bank branches and 2000 ATMs networked all
over United States and also innumerable branches all over UK and Canada.
To date the company’s financial health seems very sound. As per the annual reports of the
company for financial year ending 2010, the revenue generated was US$ 16.17 billion,
where as US$ 2.743 billion were declared as net income for the same financial year.
Like other financial institutions, Capital One Bank also offers a wide range of credit cards
(14), clubbed with various monetary benefits and rewards.
Type of Cards:
o Capital One Cash Credit Card: Are you after a card that can promise you 50%
cash back bonus every year, and that too for no annual fees, no APR Purchase and
Transfer until October 2012, take this card. You will be paying $0 as annual fees
along with:
o 0% as Purchase APR until October 2012 and then 14.9%-20.9%
o 0% as Transfer APR until October 2012, and thereon 14.9-20.9%
o 24.9% as APR for Cash Advances
o 24.9% as Penalty Rate
o Minimum Interest : $0.50
o Late Payment and Return Payment Penalty= $35
Due date is: 25 Days after the close of every business cycle
o Venture Rewards: Are you into traveling? Make yourself eligible for earning miles
for every dollar you spend ($1= 2 miles- $1000= 10,000 miles) and redeem your

2. miles as hotel rooms, car rental, flights and gifts and many more exciting prizes with
this wonderful card. For this card you have to pay:
o Annual Fees will be 0 for first year and then $ 59.
o APR on Purchases and Balance Transfers: 13.9%- 16.9%- 19.9%
o Rest all rates: APR for Cash Advances, Penalty, Transaction and Penalty fees
remains same as for above card.
o Venture One Rewards: For obtaining this card, you will be paying similarly as for
Venture Rewards card, but the only difference is reduced miles and no annual
fees. In this card, 1.25 miles per dollars (2 miles in case of previous one).
o Platinum Prestige: If you want to save money on higher interest rate balances,
APRs and on Annual fees payments, grab this plastic bliss. All you will be paying is:
o Annual Percentage Rates:
 For purchases : 0% until October 2012, and then 12.9%- 18.9%
(Reduced)
 For Transfer: same as above
 Cash Advances and Penalties: same 24.9% and 29.4% respectively, as
other cards
o Interest rate will be same at $0.50.
o Penalty fees : $35 for Late and Retuned Payment
$29 for over the credit limit
o Spark Cash for Business: Are you into business and make frequent purchases?
Looking for a card that can allow you 2% cash back on every purchase? And also
with unlimited amount of cash back and rewards? Try the Spark Cash for Business
card. To be a holder of this card you have to agree upon below mentioned payments:
o Purchase and Transfer APR: 13.9%
o Annual fees $0 for firs 12 months and then $59
o Cash Reward: A card that can offer you cash back as and when you want and in the
terms you want it to be in. If you visit a gas station or major grocery store, 2% cash
back is assured, in case of other stores 1% cash back is sure. You can design your
card as you want. But for these benefits, you have to pay $39 as annual fees, and

3. you have to agree upon a payment of 18.9-23.9% as ARP for purchase and balance
transfers.
o Classic Platinum: The card is a gift for those who are with average credit. For this
card you are free from purchase APR until July 2012 and from thereon you have to
pay 18.9-23.9% and annual fees of $39.
o Platinum: The card is rightly named as platinum, as it has no annual fees for first
year and then it will be $29 after that. The most amazing thing with this card is that
you will be paying 24.9% as ARP for purchase, transfer and cash advance. The
second amazing thing is $0 transfer fees and foreign transaction fees.
o Journey Student Rewards: As the name signifies, this card is for students. This
card helps them in building their credit. With this card a student will be able to get
1% cash back on all purchases and in addition to this, 25% cash back every time
you pay your bill on time.
o Cash Rewards for New Comers: This card is for those new comers, who are
entrants in the US Credit Market and want to build their credit along with cash
rewards. Any one can have this card at a payment of 24.9% as APR for purchase and
Transfer. The Capital One Bank, charges no annual fees for this card.
o MTV Visa Card: If you are movies, entertainment and dine out freak, go for this
card. This card can give you points for every dollar you spend at hotels, restaurants
and entertainment venues. These points can be redeemed as cash rewards, travel or
MTV products and events.
o Secured Master Card: In case you want to have a credit card just to enrich your
creditability, this card can help you with that. Here, you will be depositing certain
amount as security with the bank and your creditability will be sent to 3 major credit
bureaus. For this card, you have to pay annual fees of $29.
o Orbitz Visa: This credit card facility is for those who are with great incomes and
awesome credits. With this card you can earn rewards on flights, hotel rooms, car
rentals and more, when you book anything through orbitz.com.

4. o Spark Mile Select for Business: this card is again for those who are in business.
You can redeem your points for gifts, airfares, travel and cash. All you need is, grab
miles and get rewards. This is the only card where zero works in a wonderful way,
e.g. If your ticket costs you $250, just add two zero to the cost i.e. 25000. This will
be the miles you need to earn for $250.
HOW TO APPLY FOR CAPITAL ONE BANK CREDIT CARDS?
Application Procedure:
For all applications, you are advised to check the credit card page, and after deciding the
right card, follow the instructions.
o You can apply online: using “Apply now link”
o You can Call at: for applying 1-800-695-5500
HOW PAYMENT AND OTHER CHARGES ARE CALCULATED ON
CAPITAL ONE BANK CREDIT CARDS?
CAPITAL ONE BANK USE AVERAGE DAILY BALANCE METHOD (INCLUDING NEW
PURCHASES), FOR ALL INTEREST CALCULATIONS
Average daily balance x annual percentage rate (interest) x 31 days/ 365 days
HOW THE PNC ACCEPTS PAYMENTS??
Payment Options
o Login to your account using your account details and “Pay online”
o You can also visit any Capital One Bank’s nearest branch.

5. o Send the payment in mail via bank cheques at:
Capital One
Attn: General Correspondence
PO Box 30285
Salt Lake City, UT 84130-0285
o Pay on Phone: 1-866-390-5935
ADDITIONAL BENEFITS PROVIDED BY THE CAPITAL ONE BANK
o online fraud protection
o Shipment assistance
o Roadside Assistance, when you car broke up
o Extended warranty programs
o Auto Rental Insurance
WHERE CAN WE CONTACT THEM??
Contact Information:
o Check contact us page of the website to find the nearest location.
o Postal Address:
Capital One
P. O. Box 30279
Salt Lake City, UT 84130-0279
o Phone:
Call us at: 1-800-955-7070
o Website: http://www.breakoutofdebt.eu/