Spark Mastercard Business WorldEl

Jan. 26, 2021 - F

Payment Information
Payment Due Date
For online and phone payments,

Mar. 19, 2021 the deadline is 8pm ET.

New Balance
Minimum Payment Due
$54.95
$15.00
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 and your APRs may be increased up to the Penalty
APR of 29.40%.
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:
If you would like information about credit counseling services, call 1-888-326-
8055.

Account Summary
Previous Balance $0.00

Payments $0.00

Other Credits -$5.00

Transactions +$59.95

Cash Advances +$0.00

Fees Charged +$0.00

Interest Charged +$0.00

New Balance = $54.95

Revolving Credit Limit $20,000.00

Available Revolving Credit (as of Feb. 22) $19,945.05

Cash Advance Credit Limit $10,000.00
Available Credit for Cash Advances $10,000.00

Rewards Balance as of02/21/2021 Track and redeem your rewards with our$1.10 mobile app or on www.capitalone
Account Notifications
Welcome to your account notifications. Check back here each month for important updates about your account.

Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: 1-800-867-0904 See reverse for Important Informa
Please send us this portion of your statement and only one check (or one money order) to ensure your payment is p
seven business days for delivery.
Payment Due Date: Mar. 19, 2021 Account Ending in 8844

New Balance Minimum Payment Due Amount Enclosed

$54.95 $15.00 $
 Page 1 of 2
Spark Mastercard Business WorldElite Account Ending in 8844
®

Jan. 26, 2021 - Feb. 22, 2021 | 28 days in Billing Cycle

our account.

rvice: 1-800-867-0904 See reverse for Important Information

eck (or one money order) to ensure your payment is processed promptly. Allow at least

Capital One
P.O. Box 60599
City of Industry, CA 91716-0599
002
How can I Avoid Paying Interest Charges? If you pay your New Balance in full by the How can I Close My Account? You can contact Customer Service a
month, we will not charge interest on new transactions that post to the that we close your account.
purchase balance. If you have been paying in full without Interest Charges, but fail to pay How do you Process Payments? When you make a payment, you
in full, we will charge interest on the unpaid balance. Interest initiate an ACH or electronic payment that will be debited from your bank account or Charges on Ca
start on the transaction date. other related account. When you provide a check or check information to make a Promotional offers may allowyou to pay less than
paying payment, you authorize us to useinformation fromthecheck to make aone-time ACHor
interest on new transactions that post to your purchase balance. See the front of your other electronic transfer from your bank account. We may also process it a

statement for additional information.

How is the Interest Charge Determined? Interest Charges accrue from the date of the
transaction, date the transaction is processed or the first day of the Billing Cycle. Interest How do you Apply My Payment? We generally apply pa
accrues daily on every unpaid amount until it is paid in full. Interest accrued during a Billing Payment first to the balance with the lowest APR (includ
to your account at the end of the Billing cycle and appears on your next balances with higher APRs. We apply any part of yourpayment exceeding y
statement. You may owe Interest Charges even if you pay the entire New Balance one
month, but did not do so the prior month. Once you start accruing Interest Charges, you
generally must pay your New Balance in full two consecutive Billing Cycles before Interest
Charges stop being posted to your Statement. Interest Charges are added to the
corresponding segment of your account.
Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge
of $0.00 for each Billing Cycle if your account is subject to an Interest Charge.
How do you Calculate the Interest Charge? We use a method called Average Daily
Balance (including new transactions).
1. First, for each segment we take the beginning balance each day and add in new believe is wrong and why you believe it is a mistake. You must
the periodic Interest Charge on the previous day's balance. Then we days after the error appeared on your statement. You must notify us of any pot
credits for that segment as of that day. The result is the daily errors in writing. You may call us or notify us electronically, but if you do we are not ba
your previous statement balance was zero or a required to investigate any potential errors and you may have to pay the amount in
credit amount, new transactions which post to your purchase segment are not added to question. We will notify you in writing within 30 days of our r
the daily balance.
2. Next,for eachsegment, we add the daily balances together and divide thesumbythe
number of days in the Billing Cycle. The result is the Average Daily Balance for each amount. The charge in question may remain on your statem
charge you interest on that amount. But, if we determine that we made a mista
3. At the end of each Billing Cycle, we multiply your Average Daily Balance for each will not have to pay the amount in question or any interest o
segment by the daily periodic rate (APR divided by 365) for that segment, and then we
multiply the result by the number of days in the Billing Cycle. We add the Interest Charges
for all segments together. The result is your total Interest Charge for the Billing Cycle. The
Average Daily Balance is referred to as the Balance Subject to Interest Rate in the
Interest Charge Calculation section of this Statement.
NOTE: Due to rounding or a minimum Interest Charge, this calculation may vary slightly corrected the error (to appear on your next statement) or
the Interest Charge actually assessed. is correct.
How can my Variable APR change? Your APRsmayincreaseordecreasebasedon one Your Rights If You Are Dissatisfied With Your Purchas
of the following indices (reported in The Wall Street Journal ). The letter code below the goods or services that you have purchased with your credi
withtheletter next toyour APRs inthe Interest Charge Calculationsection of ingood faithtocorrect the problemwith the merchant, youmay have therigh
this statement. the remaining amount due on the purchase. To use this
How can I Avoid Membership Fees? If a Renewal Notice is printed on this statement, 1) You must have used your credit card for the purchase
you may avoid paying an annual membership Fee by contacting Customer Service no advances from an ATM or with a check that accesses yo
later than 45 days after the last day in the Billing Cycle covered by this statement to and
request that we close your account. To avoid paying a monthly membership Fee, close 2) You must not yet have fully paid for the purchase.
your If all of the criteria above are met and you are still dissat
account and we will stop assessing your monthly membership Fee. writing at: Capital One, P.O. Box 30285, Salt Lake City,
the same rules apply to the disputed amount as discuss
finishourinvestigation, we will tellyou our decision.At tha
and you do not pay we may report you as delinquent.
ETC-08
© 2020 Capital One. Capital One is a federally registered service mark
01/01/20

Code next to How do we calculate your When your APR(s) will change
your APR(s) APR(s)? Index + margin
PL Prime Rate + margin Thefirstday oftheBillingCycles that
3 month LIBOR + margin end in Jan., April, July, and Oct.
DF Prime Rate + margin The first day of each Billing Cycle.
1 month LIBOR + margin
 Changing Mailing Address? How do I Make Payments? You may make your paym
1. Online Banking by logging into your account;
You can change your address by signing into your account online or calling Customer
2. Capital One Mobile Banking app for approved el
Service.
3. Calling the telephone number listed on the front
required payment information;
4. Sending mail payments to the address on the fro
coupon or your account information.
When will you Credit My Payment?
· For mobile, online or over the phone, as of the bu
is made by 8 p.m.ET.
· For mail, as of the business day we receive it, as
time at our processing center. Youmust send the botto
check to the payment address on the front of this state
business days for mail delivery. Mailed payments rece
payments in any other form may not be
credited as of the day we receive them.

Pay online at www.capitalone.com Pay using our mobile app

Any written requests on this form will not be honored. To manage your account, please refer to your billing statement for customer serv
How can I Close My Account? You can contact Customer Service anytime to request due date each
ur account.
How do you Process Payments? When you make a payment, you authorize us to your next New Balance
payment that will be debited from your bank account or Charges on Cash Advances and Special Transfers
formation to make a Promotional offers may allowyou to pay less than the total NewBalance and avoid
or
electronic transfer from your bank account. We may also process it as a check

transaction. Funds may be withdrawn from your bank account as soon as the same day
we process your payment.
le. Interest How do you Apply My Payment? We generally apply payments up to your Minimum
uring a Billing Payment first to the balance with the lowest APR (including 0% APR), and then to Cycle posts
ces with higher APRs. We apply any part of yourpayment exceeding your Minimum
Payment to the balance with the highest APR, and then to balances with lower APRs.
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

n new believe is wrong and why you believe it is a mistake. You must contact us within 60 transactions and
r the error appeared on your statement. You must notify us of any potential subtract any payments and
You may call us or notify us electronically, but if you do we are not balance for each segment. However, if
ential errors and you may have to pay the amount in
added to question. We will notify you in writing within 30 days of our receipt of your letter. 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

r each amount. The charge in question may remain on your statement, and we may continue to segment.
ou interest on that amount. But, if we determine that we made a mistake, you
r each will not have to pay the amount in question or any interest or other fees related to that
amount.
· Whileyoudo not have topay theamount inquestion until wesendyou anoticeabout the

outcome of our investigation, you are responsible for the remainder of your balance.
· We can apply any unpaid amount against your credit limit. Within 90 days of our

receipt of your letter, we will send you a written notice explaining either that we
ary slightly corrected the error (to appear on your next statement) or the reasons we believe the bill from
is correct.
edon one Your Rights If You Are Dissatisfied With Your Purchase: If youaredissatisfiedwith
below the goods or services that you have purchased with your credit card, and you have tried corresponds
ood faithtocorrect the problemwith the merchant, youmay have theright not to pay
the remaining amount due on the purchase. To use this right, the following must be true:
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.
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
finishourinvestigation, we will tellyou our decision.At that point,if wethink you owe an amount
and you do not pay we may report you as delinquent.
ETC-08
© 2020 Capital One. Capital One is a federally registered service mark
01/01/20
 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 Banking app for approved electronic devices;
3. Calling the telephone number listed on the front of this statement and providing the
required payment information;
4. Sending mail payments to the address on the front of this statement with the payment
coupon or your account 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. Youmust 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 mail delivery. Mailed 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.

ccount, please refer to your billing statement for customer service options.
 Spark Mastercard Business WorldEl
®

Jan. 26, 2021 -

Transactions
Visit www.capitalone.com to see detailed transactions.

#8844: Payments, Credits and Adjustments

Date Description Amount

Feb 9 CONNECTIONFOX.COM6506699116CA -$5.00

#8844: Transactions

Date Description Amount

Feb 9 CONNECTIONFOX.COM6506699116CA $19.99

Feb 15 FS *TEXTEXPANDER877-3278914CA $39.96

#8844: Total $59.95

Total Transactions for This Period $59.95

Fees

Date Description Amount

Total Fees for This Period $0.00

Interest Charged

Interest Charge on Purchases $0.00

Interest Charge on Cash Advances $0.00

Interest Charge on Other Balances $0.00

Total Interest for This Period $0.00

Totals Year-to-Date

Total Fees charged $0.00

Total Interest charged $0.00

Interest Charge Calculation

Your Annual Percentage Rate (APR) is the annual interest rate on your
account.
Type of Annual Percentage Balance Subject Interest
Charge Balance Rate(APR) to Interest Rate
Purchases 20.99% P $0.00 $0.00
Cash Advances 26.99% P $0.00 $0.00
P,L,D,F = Variable Rate. See reverse of page 1 for details.
 How Minimum Payment is Calculated
If balance is less than your revolving If balance is greater than your
credit limit revolving credit limit

10% of balance + any fees and/or 100% of balance above your

interest charges revolving credit limit + 10% of
revolving credit
limit + any fees and/or interest
charges
 Page 2 of 2
Spark Mastercard Business WorldElite Account Ending in 8844
®

Jan. 26, 2021 - Feb. 22, 2021 | 28 days in Billing Cycle