Creditor Information / Capital One
| Telephone | 800-955-6600 |
| Payment Percentage of balance | 2.25% /2% /1.75% |
| Payment Minimum Amount | $15.00 |
| Charge Free Period | N/A |
| Acct Required to be Open | 9 Mo |
| CSP/Hardship programs | Yes |
| DMP Interest Rate | 9.9% /7.4%/1.9% |
| Waive late fees | Yes |
| Waive over limit fees | Yes |
| DMP benefits begin | Upon proposal acceptance however there is a 7 day post decision period |
| Re-Age | Yes, If eligible an acct will auto re-age within 2 billing cycles after the 3rd consecutive on time DMP payment has posted following proposal acceptance. |
| Restructure | No |
| Recall | No - however it is recommended to pay Cap1 direct as the collection agency may change frequently |
| Due Date Changes | No |
| Charge Off Period | 120 Days |
| Drop Policy | Drops upon Charge Off |
| Internal hardship/ Promotion Policy | Accounts on internal plans are not eligible for DMP |