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Capital One

Creditor Information / Capital One

Telephone800-955-6600
Payment Percentage of balance2.25% /2% /1.75%
Payment Minimum Amount$15.00
Charge Free PeriodN/A
Acct Required to be Open9 Mo
CSP/Hardship programsYes
DMP Interest Rate9.9% /7.4%/1.9%
Waive late feesYes
Waive over limit feesYes
DMP benefits beginUpon proposal acceptance however there is a 7 day post decision period
Re-AgeYes, 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.
RestructureNo
RecallNo - however it is recommended to pay Cap1 direct as the collection agency may change frequently
Due Date ChangesNo
Charge Off Period120 Days
Drop PolicyDrops upon Charge Off
Internal hardship/ Promotion PolicyAccounts on internal plans are not eligible for DMP

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