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FORM INT-E-SIGNATURE-12 (09/25/2013)
Important Terms of Your Menards BIG Card
|Annual Percentage Rate (APR) for Purchases||
This APR will vary with the market based on the Prime Rate.
|Penalty APR and When it Applies||
How Long Will the Penalty APR Apply?:If your APRs are increased for this reason, the Penalty APR may apply indefinitely.
|How to Avoid Paying Interest on Purchases||
Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
|Minimum Interest Charge||
If you are charged interest, the charge will be no less than $2.00.
|For Credit Card Tips from the Consumer Financial Protection Bureau||
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at
|Late Payment||Up to $35|
|Over the Credit Limit||NONE|
|Returned Payment||Up to $25|
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardholder Agreement.
You may pay the entire New Balance at any time.
FORM INT-MENARDS-62 (10/06/2014)
Your variable Annual Percentage Rate (APR) is your Spread plus the Prime Rate, which is described in the HOW A VARIABLE RATE MAY CHANGE section. Your Daily Periodic Rate (DPR) is described in the INTEREST CHARGES section.
This APR will vary with the market based on the Prime Rate
Your variable APRs can change with each monthly billing cycle.
We will apply each APR to the applicable balance for each type of transaction. Each variable APR will be equal to:
The Prime Rate will be as shown in the Money Rates table of The Wall Street Journal that is
in effect on the last day of the month.
Any changes in the Prime Rate will take effect on the first day of your billing cycle beginning in the next month.
An increase in the U.S. Prime Rate will increase your Daily Periodic Rates. It may also increase your:
If you do not make your Minimum Payment Due within 60 days after the Payment due date
we may increase your APRs to the Penalty APR.
If this occurs:
Any fees or Interest will be added to your purchase balance unless otherwise stated in this Agreement.
If you are charged Interest, the charge will be no less than the Minimum Interest Charge listed in the chart.
The fees that apply to your Account are shown in the purchase balance unless otherwise stated in this Agreement.
If charging any fee shown in the chart would exceed first-year fee limits set by law, we may charge an amount allowed by law. If we do this, it does not affect our ability to charge the full fee amount later.
This fee is shown in the chart below. It is charged in any billing cycle that you do not pay at least the Minimum Payment Due by the Payment Due Date. In no event will your Late Payment Fee exceed the Minimum Payment Due.
|Outstanding Balance on Payment Due Date||Late Payment Fee - first time your payment is late||Late Payment Fee - if another payment is late during the next 6 billing cycles|
|More than $15.00 and up to and including $49.99||$10||$10|
|More than $50.00 and up to and including $99.99||$20||$20|
|More than $100.00 and up to and including $499.99||$25||$30|
|More than $499.99||$25||$35|
This fee is shown in the "Fees" table at the front of this credit application and will be charged if:
This fee is shown in the "Fees" table at the front of this credit application. It is charged each time a check or other form of payment to us is returned or not honored.
A copy request fee may be charged each time a copy of a document is requested.
The fee amount will be disclosed at the time of your request.
You may be charged $0 each time you request that your credit card be reissued.
"You" and "your" means each Applicant who:
"We," "us," and "our" means Capital One, N.A. located at 1111 Town Center Drive,
Las Vegas, Nevada 89144.
"Applicant" means the primary Cardholder.
"Agreement" means all parts of this document and any future supplements or amendments.
"Card" means any card, card number or other device we issue to access your Account.
The Card must be signed to be used.
When you use the Account or sign the card or sales slips, you agree to:
You may close your Account at any time. Please see the CLOSING YOUR ACCOUNT section in your Cardholder Agreement for details.
You agree to:
You are not allowed to use your Account:
If you have given someone permission to use the Card, this is not unauthorized use and you will be liable for all use by that person.
A "Security Interest" is our interest in an item that you buy using your Account that secures the
payment of your Account.
Except as noted below, you grant us a security interest (which we may or may not perfect) in the following items financed using your Account:
Each good you buy using your Account:
To decide when a purchase is paid off and no longer subject to a security interest, your
payments will be first applied to: described in the "How We Apply Payments" section of your
Once you have fully paid for any good, we will release our purchase money security interest in that good.
We do not take a security interest if you:
If we take back any good, we may charge you our costs and require you to make the good available at a convenient place of our choice as allowed by law. This may include our cost to:
Your APRs are shown in the "Interest Rates and Interest Charges" table at the front of this
A Daily Periodic Rate is used to determine your Interest Charges in any billing cycle. To determine this rate, we divide your APR by 365; then round this number up to the next hundred thousandth of a percentage point.
From time to time, we may offer one or more Promotional Credit Plans. These may be offered to you:
Any of these Plans may be offered at any time and are conditioned on your timely payment of at least the Minimum Payment Due for each billing statement:
Purchases that do not fall under one of these Plans are called Regular Credit Plan purchases.
If you make more than one purchase on your card, these balances may be treated differently.
Certain rules apply to the allocation of payments and interest charges on your promotional purchase if you make more than one purchase on your Card. Call 1-888-367-4310 or review the HOW WE APPLY PAYMENTS section of your Cardholder Agreement for information.
Each billing statement shows the Interest Charges, which are calculated separately for each:
The total interest charge for the billing cycle is the sum of the interest charge for each plan subject
to the minimum interest charge shown in the chart.
For Same As Cash Plans, if interest is applied, the interest is accrued from the transaction date of the purchase through the current cycle. The Interest Charge is the total of:
For Plans other than Same As Cash, the interest charge is the total of:
To determine your Daily Balance, we:
For any Same As Cash Credit Plan:
Any credit insurance premiums or debt cancellation fees are not included in the Daily Balance of that Plan during the promotional period.
We also make any needed adjustments. For example:
To calculate your Average Daily Balance, we:
The number of days until your Payment Due Date after the close of each billing cycle is indicated in
the Interest Rates and Interest Charges section of this Agreement. We will not charge you Interest
on purchases if you pay your entire balance by the due date each month.
Interest charges begin on the transaction date and continue to accrue until paid in full except as noted below:
We may contact you from time to time regarding your Account. We may contact you in any manner we choose unless the law says that we cannot. For example, we may:
Our contacts with you about your Account are not unsolicited and might result from information we obtain from you or others. We may monitor or record any conversation or other communication with you. Unless the law says we cannot, we may modify or suppress caller ID and similar services and identify ourselves on these services in any manner we choose. When you give us or we obtain your mobile telephone number, we may contact you at this number using an Autodialer and can also leave prerecorded and other messages. We may do these things whether we contact you or you contact us.
If you ask us to discuss your Account with someone else, you must provide us with documents that we ask for and that are acceptable to us.
This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.
What To Do If You Find A Mistake On Your Statement
If you think there is an error of your statement, write to us at:
PO Box 30258, Salt Lake City, UT 84130-0258
In your letter, give us the following information:
You must contact us:
You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.
What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:
While we investigate whether or not there has been an error:
After we finish our investigation, one of two things will happen:
If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us.
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the 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 amount due on the purchase.
To use this right, all of the following must be true:
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us
in writing at:
PO Box 30258, Salt Lake City, UT 84130-0258
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.
FORM INT-MENARDS-76 (10/06/2014)
All the information furnished on this application is, to the best of your knowledge, complete and accurate. You agree that you are furnishing all such information on this application to both Menards, and to Capital One, N.A. ("we", "us"), the issuer of the Menards credit card. You authorize Capital One, N.A. and Menards to exchange information about you so that you can receive the benefits and services of the Menards credit card program, and so that Menards can inform you of additional information, offers and opportunities. You agree that we may obtain a credit bureau report on you and we may check any of the information provided on this application from whatever source we choose. This includes an evaluation of your ability to pay based on factors such as your income and/or assets and your debts and obligations. You further understand that if you become disconnected during this application process, you may have to reapply for credit. By completing, signing and submitting, or electronically or telephonically submitting this includes an evaluation of our ability to pay based on factors such as your income and/or assets and your debts and obligations, you are applying for a credit limit in the highest amount we deem appropriate, regardless of an initial sale amount, and you are requesting a Card issued to you by us which will allow you to make purchases under this Account. By a) signing, using or permitting others to use this Card; b) signing or permitting others to sign sales slips; c) making or permitting others to make purchases by telephone, Internet, or any other means, you agree to the terms and conditions of the Important Terms of Your Credit Card Account and to the Cardholder Agreement and Disclosure Statement which shall be sent to you with the credit card. If this is an electronic transmission, you have read, printed and retained a copy of your Important Terms before making any purchase under this Account. You grant us a purchase money security interest in the goods purchased on your Account. You acknowledge receipt of the Privacy Notice and understand that we may share information relating to you with Menards, whether or not you are approved for credit.
FORM INT-S-I-MENARDS-08 (04/18/2013)