capital-one bills

Capital One Bill

What To Do When You Can’t Pay Your Capital One Bill

Capital One issues credit cards. In addition to their credit card services, they offer bank accounts, personal loans, auto loans, and business services. If you are unable to pay your credit payment, here is some information that can help you.

How To Pay The Bill

Capital One offers multiple ways to pay your bill, including online, by phone, and through the mail.

Pay online: To make your Capital One online payment, please visit https://servicing.capitalone.com/c1/login.aspx?redirect=MakePayment to login to your online account. If you do not already have an account, you will need to register for one before you can make your payment online.

Pay by phone: To make your Capital One payment by phone call 1-800-955-7070 and either follow the necessary prompts to use the automated system or speak to a customer service agent.

Pay by mail: To make your payment by mail, please send payment to the address on your bill. If you have misplaced your statement, use the payment mailing address finder to determine where to send your payment. You will need to enter the first six digits of your credit card account number.

Questions About Your Billing Statement or Account?

have you noticed fees added to your Capital One billing statement or account, such as late payment fees, overdraft fees, returned payment fees or finance charges? At times you may not understand you bill, but we recommend you visit the Capital One FAQs. Customers wanting a detailed explanation of your Capital One billing statement or account can call customer service at 1-800-955-7070.

How The Penalty Fees Work

Capital One charges a wide variety of fees to customers on a monthly or a non-recurring basis. The fees include late payment charges, membership fees and over-the-limit fees. Your interest rate will typically increase if your credit history is less than perfect.

Late payment – Customer that send your Capital One bill payment past the due date are charged a $35 fee per instance. Late payments will also incur finance charges.

Membership charges – The annual fee charged to Capital One customers is $39. The fee increases or reduces based upon the type of account.

Over-the-limit – In the event you exceed your balance, Capital One charges you a fee up to $29.

I Can’t Make A Payment

If you are not able to make a payment, contact customer service to inquire about Payment Protection. This service may be able to cover you for a month to give you time to make a payment on your own. Expect late fees, over the limit fees, or fees for returned payments. Details about the amount of these payments are available from customer service as they can vary based on your credit limit and the type of card you have. If you do not make a payment or call customer service, you will have a negative report made to the credit bureau.

Will They Work With Me To Pay My Bill?

Capital One will work with you to pay your bill, as long as you are willing to call them and let them know what is going on. They do not want to have to send your account to collections or charge it off for non-payment. They would rather work with you to ensure you bill is paid. Do you have experience dealing with Capital One and past due statements? Share your experience below.

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3 Comments on “Capital One Bill
  1. Capital One will say they will work with you. What this means is you won’t hear from them for a couple week, then you’ll receive a surprise visit from a stranger bearing a court summons.

    Oh, they will still “work with you”. And what this means is that they will demand some outrageous repayment schedule and insist it is the ONLY payment amount they are ABLE to accept (which is a lie, of course). They’ll just pressure you and pressure you until you agree to this repayment schedule they KNOW you’ll fail at.

    Once you fail to meet a payment or two, you’re in for another surprise: the legal hold on your bank account. I went to deposit my work check one day and my account was frozen. Even though I owed Capital One around $800, they were legally able to freeze my account with a hold amount of DOUBLE what I owed them. I couldn’t deposit my check, so any pending transactions could NOT be paid. I was smothered in overdraft fees.

    Someone helped me with money to get the hold removed. I called up to the law offices of the people representing Capital One (they are actually direct employees of Capital One). I offered to bring payment in the next day in order to get the hold on my bank account removed. They PROMISED me I would get the letter to take to court as soon as I brought in payment. Well, I begged and borrowed the $800, drove an hour to get to their office, gave them their payment, and was told “Our lawyers are out for the day so they can’t sign this form. Tough luck.” Out for the day?!? I was there by ten in the freakin’ morning!!!

    What’s worse is that I enrolled in some credit card protection, in case I was laid off. Unfortunately, this “protection” was sold to me and maintained by none other than Capital One themselves. Aside from refusing to help when I was laid off, Capital One was a target of a large class action lawsuit (and lost) for their fraudulent credit protection scam.

    AVOID AVOID AVOID Capital One. Liars, crooks, and thugs.

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