Account Servicing

• How can I make a payment on my account?

  Most financial institutions, including CIBC, TD Canada Trust, Royal Bank of Canada, Bank of Montreal, HSBC, Scotiabank and National Bank will accept your Capital One payment. You can pay through your bank online, in person at the branch, by ABM or phone (some restrictions may apply so please contact your bank for further details). Or, you can mail your payment directly to customer service in the envelope provided with your statement. Please do not send cash through the mail or staple your cheque to the remittance form. Allow sufficient time for delivery and be sure to write your 16-digit account number on your cheque or money order.
  
  Additionally, you can take advantage of our Pre-Authorized Debit service – an easy and convenient way to pay your Capital One credit card. Have your payments made on time, every time.

  Download the Pre-Authorized Debit Form (PDF)
  
  Send the completed form and a voided cheque to:
  Capital One
  P.O. Box 515
  Scarborough Stn. D
  Scarborough, ON M1R 5N4

• How can I change my preferred language of correspondence?

  We can send you correspondence in either French or English. If you'd like to change your language of preference please call 1-800-481-3239 to speak to a customer service representative.

• What should I do if my credit card is lost or stolen?

  Contact customer service immediately at 1-800-481-3239 if you're in Canada or the United States. If you're outside Canada or the United States, call us collect at our International number 1-804-934-2010. You'll need to place the call through the operator and Capital One will accept the collect charges.

• What is Pre-Authorized Debit (PAD) and what makes it convenient?

  With a Pre-Authorized Debit (PAD) you get the convenience of using your chequing account to automatically make payments to your Capital One credit card every month.
  
  A PAD is an automatic withdrawal from your chequing account initiated by a company or a financial institution (Capital One) that has your written authority to do so. PADs are often used as a convenient way to make recurring payments to an organization or transfer investment funds on an ongoing basis.
  
  Download a PAD form now.

• I've paid my balance in full. Why do I still have a balance?

  The balance on your last statement included interest only through the statement closing date. After your statement closes, interest continues to accrue until your payment posts to your account. The finance charge appearing on your most recent statement accrued from the first day of the new billing cycle, until the day your payment posted.

• Can I request a credit limit increase?

  We're unable to increase your credit limit based on a request to customer service. By keeping your Capital One account in good standing (not overlimit or past due and no dishonoured payments to your account) and maintaining good standing with your other credit card accounts and credit reporting agencies, you improve the likelihood of a credit limit increase. We will never increase your credit limit without first asking you if you want the increase.

• How can I get cash using my credit card?

  You may use your card with your PIN to access cash at any automated banking machine with a MasterCard^® or Cirrus^® logo. Call customer service at 1-800-481-3239 if you need us to send you a new PIN. Your monthly statement will tell you your limit for cash advances.

• Can I use my Capital One credit card outside Canada?

  Absolutely! Your Capital One MasterCard^® is accepted at more than 24 million locations worldwide and you have instant cash access at over 900,000 automated banking machines.

• Do you have French-speaking representatives? Can I get my monthly statements in French?

  Yes. We have both English and French-speaking customer service representatives. They're happy to help you in either of our official languages. Plus, you can give us a call anytime to receive your monthly statement in French. Call us at 1-800-481-3239, we're available 24/7.

• I just moved, how do I change my address?

  The easiest way to update your address and other contact information is through the My Info tab in your Capital One Online Banking account. If you're not already registered, sign up for online banking today. You can also call us at 1-800-481-3239 to update your contact information.

• Can I activate my credit card online?

  Not at this time. Card activations must be done by phone. Please contact the number listed on the sticker on your card or the number at the back of your card and follow the prompts.