Frequently Asked Questions

The Terms and Conditions are the agreement between you and us relating to the use of your credit card.

APR stands for Annual Percentage Rate of charge. The APR makes it easy to compare different credit products before deciding which one is best for you.
For credit cards the APR is based on the purchase interest rate and includes things like annual fees, although cash withdrawal charges and default fees are not included.

Your credit limit is the amount that you can borrow up to with your Capital One credit card.

The Minimum Payment is the least amount you need to send us each month. It is shown on your statement.

Please see your terms and conditions for more information.

Your credit history is a factual record of credit accounts you've had over the last six years, combined with public record information such as the electoral roll and the register of county court judgements.

Credit reference agencies collect and maintain information on consumers' and businesses' credit behaviour on behalf of organisations in the UK.

To help us with your application, we get information from Experian and/or Equifax and/or Call Credit, who are the three major credit reference agencies in the UK. They supply us with information about your credit history. We need your permission to look at your credit file which you give to us by clicking the submit button on your application form.

You can access your credit report by visiting one of the following credit reference agencies:

• Experian
• Equifax
• Call Credit

The financial information held about you at the credit reference agencies can help you do many things, such as taking out a loan, applying for a mortgage or even getting a mobile phone. Most companies that provide credit take your previous credit history into account.