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Venture Credit Card | Visa Signature ending in 7330

Feb 20, 2024 - Mar 21, 2024 | 31 days in Billing Cycle

Payment Information Account Summary

Payment Due Date For online and phone payments, the Previous Balance $2,473.87
deadline is 8pm ET.
Apr 15, 2024 Payments - $200.00
New Balance Minimum Payment Due Other Credits - $5.22
$3,047.41 $99.00 Transactions + $710.23
LATE PAYMENT WARNING: If we do not receive your minimum payment Cash Advances + $0.00
by your due date, you may have to pay a late fee of up to $40.00.
Fees Charged + $0.00
MINIMUM PAYMENT WARNING: Even if you make no more charges with
this card, if you make only the minimum payment each month we Interest Charged + $68.53
estimate you will never pay off the balance shown on this statement
because your payment will be less than the interest charged each New Balance = $3,047.41
month.
If you make more than the minimum payment each period, you will pay Credit Limit $3,000.00
less in interest and pay off your balance sooner. For example, if you
instead paid $128.00 per month, you would pay off the balance shown Available Credit (as of Mar 21, 2024) $0.00
on this statement in around 3 years.
Cash Advance Credit Limit $900.00
If you would like information about credit counseling services, call 1-888-326-8055.
Available Credit for Cash Advances $0.00

Rewards Summary Rewards as of: 03/20/2024

Rewards Balance Track and redeem your rewards with our
903 mobile app or on capitalone.com

Previous Balance Earned This Period Redeemed this period

525 1,421 -1,043

Account Notifications
Please check page 3 of this statement for your Account Notifications.

Pay or manage your account at capitalone.com Customer Service: 1-800-227-4825 See reverse for Important Information

MARGARET C SITTON
653 CAROLINA DR
TRYON, NC 28782-3605

Payment Due Date: Apr 15, 2024 Account ending in 7330

New Balance Minimum Payment Due Amount Enclosed Capital One

P.O. Box 71087
$3,047.41 $99.00 $ ________ Charlotte NC 28272-1087
Please send us this portion of your statement and only one check (or one money order) payable to Capital One DDTFATFFAFFTFTADAFFTDDAADFDADADFADATFDTADFAATADADAAFTFFFDDAAAFDFD
to ensure your payment is processed promptly. Allow at least seven business days for delivery.

1 4147098926077330 21 3047410200000099000
How can I Avoid Paying Interest Charges? If you pay your New Balance in full by the due date How do you Process Payments? When you make a payment, you authorize us to initiate an
each month, we will not charge interest on new transactions that post to the purchase balance. If ACH or electronic payment that will be debited from your bank account or other related
you have been paying in full without Interest Charges, but fail to pay your next New Balance in full, account. When you provide a check or check information to make a payment, you authorize us
we will charge interest on the unpaid balance. Interest Charges on Cash Advances and Special to use information from the check to make a one-time ACH or other electronic transfer from
Transfers start on the transaction date. Promotional offers may allow you to pay less than the total your bank account. We may also process it as a check transaction. Funds may be withdrawn
New Balance and avoid paying interest on new transactions that post to your purchase balance. from your bank account as soon as the same day we process your payment.
See the front of your statement for additional information.
How do you Apply My Payment? We generally apply payments up to your Minimum
How is the Interest Charge Determined? Interest Charges accrue from the date of the Payment first to the balance with the lowest APR (including 0% APR), and then to balances
transaction, date the transaction is processed or the first day of the Billing Cycle. Interest accrues with higher APRs. We apply any part of your payment exceeding your Minimum Payment to
daily on every unpaid amount until it is paid in full. Interest accrued during a Billing Cycle posts to the balance with the highest APR, and then to balances with lower APRs.
your account at the end of the Billing cycle and appears on your next statement. You may owe
Interest Charges even if you pay the entire New Balance one month, but did not do so the prior Billing Rights Summary (Does not Apply to Small Business Accounts)
month. Once you start accruing Interest Charges, you generally must pay your New Balance in full What To Do If You Think You Find A Mistake On Your Statement: If you think there is an
two consecutive Billing Cycles before Interest Charges stop being posted to your Statement. error on your statement, write to us at:
Interest Charges are added to the corresponding segment of your account. P.O. Box 30285, Salt Lake City, UT 84130-0285.

Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of In your letter, give us the following information:
$0.00 for each Billing Cycle if your account is subject to an Interest Charge. • Account information: Your name and account number.
• Dollar amount: The dollar amount of the suspected error.
How do you Calculate the Interest Charge? We use a method called Average Daily Balance • Description of Problem: If you think there is an error on your bill, describe what you believe is
(including new transactions). 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
1. First, for each segment we take the beginning balance each day and add in new transactions and us or notify us electronically, but if you do we are not required to investigate any potential
the periodic Interest Charge on the previous day's balance. Then we subtract any payments and errors and you may have to pay the amount in question. We will notify you in writing within 30
credits for that segment as of that day. The result is the daily balance for each segment. However, if days of our receipt of your letter. While we investigate whether or not there has been an error,
your previous statement balance was zero or a credit amount, new transactions which post to your the following are true:
purchase segment are not added to the daily balance. • We cannot try to collect the amount in question, or report you as delinquent on that amount.
The charge in question may remain on your statement, and we may continue to charge you
2. Next, for each segment, we add the daily balances together and divide the sum by the number of interest on that amount. But, if we determine that we made a mistake, you will not have to pay
days in the Billing Cycle. The result is the Average Daily Balance for each segment. 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 until we send you a notice about the
3. At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by outcome of our investigation, you are responsible for the remainder of your balance.
the daily periodic rate (APR divided by 365) for that segment, and then we multiply the result by the • We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of
number of days in the Billing Cycle. We add the Interest Charges for all segments together. The your letter, we will send you a written notice explaining either that we corrected the error (to
result is your total Interest Charge for the Billing Cycle. appear on your next statement) or the reasons we believe the bill is correct.

The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the Interest Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the
Charge Calculation section of this Statement. 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
NOTE: Due to rounding or a minimum Interest Charge, this calculation may vary slightly from the amount due on the purchase. To use this right, the following must be true:
Interest Charge actually assessed. 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 qualify;
and
2) You must not yet have fully paid for the purchase.
How can I Avoid Membership Fees? If a Renewal Notice is printed on this statement, you may If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in
avoid paying an annual membership Fee by contacting Customer Service fewer than 40 days after writing at: P.O. Box 30285, Salt Lake City, UT 84130-0285. While we investigate, the same
the annual membership Fee was assessed to request that we close your account. To avoid paying rules apply to the disputed amount as discussed above. After we finish our investigation, we
a monthly membership Fee, close your account and we will stop assessing your monthly will tell you our decision. At that point, if we think you owe an amount and you do not pay we
membership Fee. may report you as delinquent.

How can I Close My Account? You can contact Customer Service anytime to request that we © 2023 Capital One. Capital One is a federally registered service mark
close your account.
ETC-08 07/13/2023

How do I Make Payments? You may make your payment in several ways:
Pay online at capitalone.com
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
Pay using the Capital One mobile app required payment information;
4. Sending mail payments to the address on the front of this statement with the
payment coupon or your account information.

Customer Service 1-800-227-4825 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.
Changing your mailing address? 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.
You can change your address by signing into your account online or by calling Please allow at least seven (7) business days for mail delivery. Mailed payments
Customer Service. 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 request on this form will not be honored.
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Venture Credit Card | Visa Signature ending in 7330
Feb 20, 2024 - Mar 21, 2024 | 31 days in Billing Cycle

Transactions
Visit capitalone.com to see detailed transactions.

MARGARET C SITTON #7330: Payments, Credits and Adjustments

Trans Date Post Date Description Amount

Mar 9 Mar 9 CREDIT-CASH BACK REWARD - $5.22

Mar 10 Mar 11 CAPITAL ONE AUTOPAY PYMTAuthDate 10-Mar - $200.00

MARGARET C SITTON #7330: Transactions

Trans Date Post Date Description Amount

Feb 25 Feb 26 NAIL LOUNGEMIDLANDTX $120.50

Feb 28 Feb 29 SQ *HOLA BONITA MIDLANDMidlandTX $41.14

Feb 28 Feb 29 SQ *HAIR BY NARITAAMidlandTX $97.50

Mar 7 Mar 8 AMZN MKTP US*R61LE6F10SEATTLEWA $72.04

Mar 8 Mar 9 NAIL LOUNGEMIDLANDTX $25.74

Mar 12 Mar 13 CASH APP*KARLA ARREDONDO800-9691940CA $113.30

Mar 12 Mar 13 CASH APP*KARLA ARREDONDO800-9691940CA $77.25

Mar 16 Mar 18 Amazon Prime*R615D3UU2Amzn.com/billWA $8.11

Mar 18 Mar 19 WOOF GANG BAKERY MIDLAN432-2888434TX $38.77

Mar 18 Mar 19 VENMO *JLynn BorterVisa DirectNY $115.88

MARGARET C SITTON #7330: Total Transactions $710.23

Total Transactions for This Period $710.23

Fees
Trans Date Post Date Description Amount

Total Fees for This Period $0.00

Interest Charged
Interest Charge on Purchases $68.53

Interest Charge on Cash Advances $0.00

Interest Charge on Other Balances $0.00

Total Interest for This Period $68.53

Totals Year-to-Date
Total Fees charged $95.00

Total Interest charged $190.80

Additional Information on the next page

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Venture Credit Card | Visa Signature ending in 7330
Feb 20, 2024 - Mar 21, 2024 | 31 days in Billing Cycle

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 Charged

Purchases 29.24% P $2,759.70 $68.53

Cash Advances 29.24% P $0.00 $0.00

Variable APRs: If you have a letter code displayed next to any of the above APRs, this means they are variable APRs. They may increase or decrease based
on one of the following indices (reported in The Wall Street Journal) as described below.

Code next to your How do we calculate your APR(s)? When your APR(s) will change
APR(s)

P Prime Rate + margin The first day of the Billing Cycles that end in Jan., April, July and Oct.
L 3 month LIBOR + margin

D Prime Rate + margin The first day of each Billing Cycle

F 1 month LIBOR + margin

Account Notifications
You can find changes to your Rewards program by logging into your account and navigating to the Rewards FAQ section.

Your account has gone over its credit limit. In addition to your required minimum payment, please pay enough to bring your account balance below
your credit limit to avoid the possibility of being declined.

You are enrolled in AutoPay. You've selected to pay $200.00, which will be debited from your bank account on your scheduled payment date. If your
payment is less than the minimum amount due, make an additional payment to meet that amount. If your payment is more than your current balance,
we will only debit the current balance.