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capital one online payments? I'm trying to pay my bill online, i have my checking account linked to my capital one credit card account so I can do this. I tried to pay the full balance on Sunday, under my recent transactions it shows the payment, however the money has not been taken out of my checking account and my account still shows I owe them the full balance. Any idea why? It's the first time i've tried using the online service, so i'm a bit worried about it not working

Paid my auto payment to Capital One twice this month will they refund me the second payment? Important!!? I made my car payment to Capital one online (on their site) for $398.30 out of my chase account on the 23rd and on the 27th I received a insufficient funds fee in my USAA account...Capital One took the pay out of the wrong account. I then sent them an email that same day letting them know what happened and that I would like to be contacted to see if I could be refunded. I did not want to receive a late fee so I went ahead paid the payment online (on their site) out of my chase account again. No one ever contacted me about the issue and I was planning on calling today since there was the three day weekend. But I looked at my account I see that the payment out of my chase account is pending but is not pending on Capital One site (shows already received) and they also took the payment on Friday from USAA account when money was deposited. I am going to call and try and get this straightened out today cause I cant afford double paying but will they refund my second payment and I mean send the cash back to my account not credit me? Does anyone have any advice on what to say because I have heard and read that Capital One does not rank very high in customer service or friendliness? Any good advice would be helpful. Thank you and have a great day.

I just activated my capital one card and Im trying to sign up to pay and view my balance online.? when i called the customer service reps, they said that online payment was available on the account but when i try to log on using the info i have, i get a screen that says "service not available" . Anyone ever have that problem? Is it because it's such a new account (activated 1 day ago). There isnt any payment due yet but I like being on top on what i owe so i can see fees, etc at all times! I know if you pay by phone, it costs like $10!!! Are they screwing with me so i would have to pay late or pay $10 each time I pay my bill??? Any thoughts? Thanks for the promt reply! I figured that was the case but reading some of the bad experiences people have had with capital one I didnt want to take a chance!thanks :)

can i take legal action against capital one? i live in Colorado springs. i have a auto loan through capital one. i cannot make online payments because they cannot charge a fee in Colorado for over the phone payments so they also took away online payments. do i have any way of fighting this so that i can make online one time payments? how can i get a law passed saying that they have to offer one time payments? also i was told that i could make online payments over the phone by a rep before i even applied online. can i do anything?

capital one? if a charge appears the day that a payment is due, do i have to pay it then, or can i pay it the next cycle? i make online payments, i have to pay each month. i used the card yesterday, the charge has not yet appeared online, and the bill is due tomorrow. so if that amount suddenly shows up tomorrow, do i have to pay it, or can i wait until next month?

Capital one late on due date? 8(? I made an online payment for my capital one credit card. I was going to send it in but, I figured it was too late for that. So I went online to make an instant payment. Well I went back today to see my statement, and they posted a late fee of $29.00 and a over the limit fee $29.00. OMG I seriously did not expect that. I already have so many bills to pay, and now this. WTH on the late fee details it even said that payment was posted on June 22 right bellow it is says Due date June 22. I know I will call them tomorrow, but what should I tell them? I herd they are very bad, all they say is I understand. Anyways what happens If I just tell them &%^^ off I' am not paying &$*# sue me.?

Please help me with Capital One Online Banking!? I am intrested to enrolling in Online Banking. I don't have checking or savings account (I only have Standart Platinum credit card) I'd like to know. Does Capital One Online Banking is free? I heard that Capital One Online Banking charge money for transactions if you are having more then five transactions a day. Is that true and what does transactions means? Does it means purchases that I made or It means payment for credit card bill? Thank you for help!

Avoiding Overdraft Fee. Need to make CC payment; Money is in bank but pending? Normally I have enough money in my bank account to cover upcoming bills which I pay online and therefore gets deducted from my account but I was money was short. I have an upcoming Capital One payment of $74.00 due on the 29th. As of the 26th, I had 43.87 in the bank. On saturday, I rushed to my bank (BankAtlantic) and deposited $40.00 (cash) and a $5.00 check. They used to be open late on saturday but changed their hours so when I arrived, They were closed. I deposited the money into ATM's "Deposit" slot. (night deposit bulit into the atm). They were open today (sunday. It's a 7-day bank) but for some reason, they did not count the night deposit money or did not credit the account. I called Capital One to see exactly when they withdraw funds but no one could give me an answer. Payments made online through capital one after sunday are credited the next day but the rep. on the phone told me the change the date from the 28th to the 29th (which is monday.) Monday my bank will credit my account from the night deposit cash but I want to beat the clock and make sure that my "available" balance is $88.87 (and not 43.87) by the time capital one takes out the money and avoid an overdraft fee. Thanks

How to sell a car if financed through Capital One Auto Finance? So I want to sell my car which I'm still financing. Problem is this Capital One is mostly done online. How can I go to them if I end up selling it, ya know? So..Has anyone ever sold their car when they were still making payments through Capital One Auto Finance? If so, How did you do it?

Where can I find my capital one credit card number/account number online? They are currently closed on the toll free number and I threw away my credit card. I MUST MAKE A PAYMENT TONIGHT.

What do I do about an unauthorized automatic debit from my checking account? I just reviewed my checking account and it has an unauthorized automatic debit for a Capital One Card Online Payment. I never authorized this and I don't even have a Capital One card. Just so there is no confusion, it is not a check purchase or a credit card purchase, but an automatic debit meaning they have my checking account information and just did an electric draft from my account. If I call my bank, what can I expect them to do for me? I am really stressed about this and really need some advice. Will my bank help me?

How is Juniper Bank to deal with? No fee, and a decent APR--but do they suck? I need a better credit card because Capital One has too high an APR. My credit score is in the high 700's. I've had to fight with them to credit my annual fee and by all rights they should waive it permanently. I also want a company with reliable web site for online payment. Is Juniper any good? I keep getting pitches from them in the mail. Thanks.

How do you estimate what your capital gains tax would be on investment property? This is a difficult situation. We own a piece of undeveloped land in FL and are considering selling to put a down payment on a house in CA. We have owned it for about 14 years. My husband is military and a FL resident. We currently are stationed in CA and I am a CA resident. The land is a joint tenancy. FL doesn't have a capital gains tax, but CA does. So I am guessing that we have to split the gain 50/50 and have 50% taxed by the state of CA. We are trying to use an online capital gains tax calculator to figure how much we will have to pay. We had an assesment to pave the street. Would that be an improvement cost? Also, the state bought a small portion to widen a highway. Would the money they paid us be deducted from the basis? How do you come up with the depreciation? My property value has went up (according to the county assessment). How do you figure out what the tax rate is on the gain? I know this is tough one, but I appreciate all the help.

What is the best credit card for 1st time users? I need it to shop online-generally (personal reasons).? I am 19 years old and I really need to begin establishing my credit. I have read about what to look for in a credit card and what to watch out for, such as: no (hidden, setup, annual, etc) fees, no minimum balance, 0% to good interest rates, etc. and to look for good reward programs if I'll be using it often (which would be yes because I hate shopping at stores, isn't it tedious?), online payment options etc. The problem is that many of these great benefits that you should look for, truly, are offered and exclusive to people with good credit, it seems. I have no credit whatsoever and it seems as if there are Capital One's in every corner of my town. I know it's popular amongst 1st time users and I'm trying to open a savings/checking account and getting a credit/debit card. Any suggestions for the best credit card? name of it? or bank? I have been seriously considering Charles Schwab's checking account because it seems fantastic! is Charles Schwab's, generally, a good bank?

Will my credit card payment be declined? I have my bank account details added to my capital one online account to make payments on the credit card. This month I didn't have any money in my bank account so i went to the bank and deposited some money. My card payment is 62 bucks but I only had 60 that I deposited into my bank account. So when i went online to make the payment I selected the full 62 when I only have 60. My credit card is pending, usually takes about 24 hours. I was wondering if it would overdraw from my bank account or if my pending payment will be canceled or declined since I'm a couple bucks short? Not to what? NO************* Yes I have overdraft protection, thank you. One other thing though.....I didn't pay with my debit card though, my bank account details are added to my capital one online bank account. So, does that make any difference since they are taking the money straight from my account rather than a debit transaction? Thank you, very helpful.

How can I end the Capital One Payment Protection? I've had my credit card for three months now, and for the second time in a row, I've been over my credit limit. First time, I made sure I didn't go over the limit; but their payment protection put me over, and I had to pay an extra $29.00. So, I got that paid, and my bill was back down to below $500. But then, just this month, I got charged again for payment protection, and have been charged yet another $29.00. I haven't used my credit card in almost two months, and was unaware I was getting charged for payment protection when I wasn't even using the card. So, how can I end it? Is it possible to do it online through my account, or do I have to call them?

capital one card, moving to Canada? Hi ya! I have a Capital One card (UK) with a 2500 pounds credit limit. I think it’s a fairly decent limit for someone who is still at college without any credit history. I’ll be moving to Canada this summer and want to retain my card. Does anyone know if I can operate my capitol one account online and make payments from Canada? Also if I already have a credit history in England, will it help me to obtain credit cards in Canada?

paying a credit card payment? I have a capital one credit card and my bill is about to be due, I cant set up payment online because I dont have a checking account and there is no capital one branch here in the area, the closest one is about 50 miles away, can I make a payment somewhere else like walmart or somewhere ???

Why is my available balance higher than my actual credit line? I have a capital one credit card with a $500 credit line. I was maxed out and I made a payment online with check for $500. I called them up and they released the funds instantly so I had my credit line available again. When I logged in just now it says my available credit is $701 (i've spent about $300 already). Whats up with this?

I got a letter in the mail from capital one about a payment? ok...so first of all, i dont have a capital one card. i have never had a card from them before!! it has my name and address. it has balance on it but there is amount due....i never in my life have had this card!! what do i do!!!! i received it on march 23 2010 and on the letter it said it was 60 days past due!! but what the ****? now i am trying to go online but i cant cause they ask for the expirationn date and the last 3 numbers but i dnt have the card so i cant log in....

what is the limit for a cash advance at an atm? How long does it take for a payment to post to your capital? one account? I made payment on march 26 i called three days ago was told it will post sunday april 6th (today) I checked balance at atm it was different than my last balance shown online through capitalone? why is that?

Does Capital One close your credit card after no payments since December? I have been IN DEBT. No money for anything, but now i finally got money to start paying things off. I'm wonderful if my credit card account with capital one is still active. I can still log on to my online banking, and it doesnt say closed but how else would I know if it was closed?

Capital One Blank Check Refinancing? I applied online with Capital One to refinance my van. They have a great intrest rate & will lower my payments tremendously. However, they are gonna send me a blank check to make out & pay my current financer with. This just sounds weird. Has anyone done this before? Is this legit?

If I send money to my paypal account from my Capital One credit card, will I be charged a cash advance fee? I was wondering if my credit card would see this as a cash advance, and if I would still have interest to pay if making a payment into my paypal account. In other words, I want to send money from my credit card into my bank account online while avoiding the undesirable interest rates and fees that come along with cash advances. Paypal seems like my only option. is this possible? would it be treated like a purchase?

compared to chase bank, how good is capital one? im sick of chase, i used to be part of wamu till wamu merged with chase, i loved using wamu bank, i mean sure it takes a while for pending payments to show up, but with chase bank, payments disappear and when i deposit paychecks the money goes in the memo balance but not available balance and im afraid my payment will cause me to overdraft or get rejected. i would like to know if capital one bank has a debit card with free checking and if i deposit a check, will the money come in right away? and if not, can i use the memo (aka total) balance to make purchases while i wait for it to clear. i wonder if capital one has an online bank statement, so i can keep a close eye on it and see how long it takes to charge and if check deposits are avalable right away

I think this is a scam, Please help~? I got he email below. I had my resume posted on Careerbuilder.com. I checkout out the website and did google street view and the building in the address matches the building on the website. I am pretty sure this is a scam, but one their site said they use Citrix system, which is a secure remote in utility so i could see how this could be possible. Please let me know what you think. Dear I am glad that you are interested! Here is the detailed information about this vacancy OUR COMPANY Capital Management Services is a dynamic e-business development company, widely recognized for its professionalism and track record of success. Capital Management Services is committed to delivering the latest technologies that enrich people's lives with our leading-edge iCommerce platform for wireless and ISP carriers. The company's patented technology enables all types of online payment and supports multiple access channels, transaction models, networks and devices. Capital Management Services iCOMMERCE iCommerce platform enables the rapid and efficient introduction of new merchants, distributors, services and products, instantly bringing interactive commerce services to the entire subscriber base. It also lowers operational costs by leveraging existing investments in infrastructure, while providing the operator with an advanced, unified, comprehensive and business-driven infrastructure capable of delivering all existing and future payments, promotions and electronic recharging services. In general, iCommerce platform represents very flexible Internet payment system that accepts almost every icurrency and transaction method. iCommerce allows customers and users to perform any kind of transfer from one exchange system to another in no time. This system enables our customers to broaden the variety of accepted payment methods, to reduce the transaction time and to make the whole payment operation highly secured. For example, iCommerce allows performing a direct exchange from Western Union to bank account. Money can now be sent from one system to another in no time. Also iCommerce lets customers to provide the person-to-business transfers for every user, when other systems provide the person to person transfers only. CUSTOMER SERVICE MANAGER position Capital Management Services is located in United States and needs customer service representatives worldwide. Today our United States customers require specialists to manage iCommerce platform to assist users. So customer service manager will be an official employee of one of the telecom operator that we serve. Today our company serves 4 large telecom operators in United States (America Movil, Vodafone, Verizon Communications, Worldcom). Capital Management Services will provide the 10 days training course that would be sufficient to start working in one of these companies. We guarantee this immediate employability after the training period. Responsibilities will be to provide assistance with iCommerce platform to current telecom operator. Customer service manager's accountability will be to instruct users, to provide the current statuses of their operations in the system and to be ready to answer on any general question about iCommerce. Candidate will get all necessary knowledge and experience during the training. No previous experience with iCommerce or alternative systems is required. EMPLOYMENT Before start to work, company will provide free training course to cover all aspects of the iCommerce platform operation and maximization. You don't need any special education in iCommerce services or finances, company will provide you all information. This course is to be done distantly. This means that you will be studying from your own home with internet access. During the training you will be paid by Capital Management Services directly to your bank account. The training period wage is 498 weekly and 99.4 daily. NO MONEY NEEDED FOR JOB / TRAINING COURSES OR ANYTHING. COMPANY PAYS FOR ALL. After you finish the training course successfully, you become a company employer and will get a certified Capital Management Services specialist. And you start working in one of the United States telecome companies that our organization serves in Part Time or Full Time position. You will work from home or from local office location (not more than 5-7 miles close to your house). You will have access to company database and all documents for work. Company pays for all cell phone calls, internet access and any fees and taxes. First guaranteed wage is 1,750 monthly for the part time and 3,900 for the full time. In Part Time position work 2-3 hours during the day (any hours) / In Full Time work 5 hours from morning time or evening time. greg, if you have any questions, then ask me freely. I will be glad to clarify at any time. If you are interested to start free training course, please let me know as soon as possible. I will send you Job Application Fo The fact that my name isn't capitalized says almost enough for me... I think its a scam, but curious what you think That's what I was thinking, I was looking online about the company.. I have no interest in being a debt collector, I have a good job now, but figured a part time position would help out... I am not sure what to think. The company itself appears legit, whether this is though I am not sure http://investing.businessweek.com/research/stocks/private/snapshot.asp?privcapId=30685962 Company Overview Capital Management Services L.P. operates as a receivables management company in the United States. The company provides delinquent receivables collection and data management services. It manages portfolios in various stages of delinquency, including first-party, pre-charge off, primary, mid-primary, secondary, tertiary, quaternary, and quints, as well as manages record-setting results in bankcards, retail charge cards, signature and personal cards, lines of credit, bankruptcy dismissals, purchased debt referrals, overdraft checking, auto loans and deficiencies, and telecommunication delinquencies. Capital Management Services L.P. was incorporated in 2004 and is based in Buffalo, New York.

If my statement from Capital One was $100, but my current balance is $200. Will I get charged interest? I went online and it says I can pay the minimum payment of $10, statement balance, or current balance. Will I get charged interest if I pay the statement balance on the remaining balance since my current balance is more than my statement balance?

Should I get a car loan from a bank (Harris, Chase,WaMu) or an internet car loan company (HSBC,Capital One)? I've decided to purchase a new Honda Civic EX and I don't want to go through the hassle to finance with the dealership since I know they'll only be jerking me around on monthly payments and deals and all the beauties that come with dealing with a dealership. So my plan is to get a loan, but should I go to my bank (Harris, Chase, WaMu, etc....) or am I better off going with one of the online banks or loan companies such as HSBC, Capital One or others? My aim is obviously a lower interest and an all around better deal. Thanks a million.

What should I do about my credit card company? I have capital one, and for about 6 months now I refuse to use the card since they been laying out their tricks all along. I received a statement for this month in mail which is due on december 23 so I went ahead and made an online payment on the 21st, when I logged on it said that the bill was due on the 22nd rather than 23rd which was odd to me, so I went ahead and made the payment anyways. Well today I logged on again just to make sure it went through and all of the sudden there's another due date which is now the 23rd just like I received in mail, its like I had to pay 2 bills. So I went ahead and called them and they tell me that they are unable to pull up my account. I was in disbelief that I could not even see whats going on with my own account, so they gave me another number to call, I called them they already closed for the day. I' am very upset because similar things happen before where I end up paying over the limit fees late fees, and Its really screwing up my credit history, what should I do. I' am already doing the right thing not to use the stupid card, but they still somehow find a way to you. Could I possible file a law suit and never do business with that company again?

Closing credit card accounts. How, why, and does it hurt credit? My husband has the following accounts: 1. Am. Express Bal $1100 (Blue) - Est 6/2006 2. Cortrust Bank Bal $200 Credit Limit $300 Est 3/2007 3. First Savings CC Bal $175 Credit Limit $300 Est 4/2007 4. Credit One Bank Bal $100 Credit Limit $250 Est 4/2006 5. WAMU Bal $800 Credit Limit $1000 Est 7/2006 (I am a secondary card holder) 6. First Premier Bal $150 Credit Limit $250 Est 9/2005 (I am a secondary card holder) 7. Capital One Bal $500 Credit Limit $1000 Est 04/2006 I am tired of the nit-picking payments to mail every month so I am wanting to know which ones would be best to pay in full and close? Or get a new account with a balance transfer on some of these then close the accounts. All have been paid on time. I am just sick of 7 different bills mailed each month plus utilities it makes it a check writing nightmare. Cortrust, First Premier, First Savings, and Credit One charge for online bill payment so it isn't worth it. The other ones I pay online most the time. Thank you!

What are the potential consequences of lying about age on a car loan application? I am 17 years old. I earn an average of $400-$500/week in income, sometimes more. This is obviously way above-average pay for my age. I am a senior in high school, graduating in 3 months. I will then be able to work full-time and hopefully find a better job, making ~ $3,000-$4,000/month, before going to college either PT or FT next year. Anyway, my parents have refused to co-sign a car loan for me. I am not really sure why, and it bugs me. I already lied on a couple credit card applications and have two credit cards (a Visa and AMEX) in good standing. My credit score is just above 700. What are the potential consequences of, say, "mis-typing" the birth year on an online Capital One Auto Finance application for about $7,500? If I pay my payments on-time and in whole every month, will they care/investigate the matter further? Also, do they ALWAYS require proof of identification, i.e. driver's license, when applying for a secured/car loan? Thank you. Thanks for the responses thus far. I acknowledge the theoretical seriousness of this. However, in PRACTICALITY, if I pay EACH and EVERY month on time and in whole, even exceeding the minimum installment amount for a given month, will I get in trouble? NO defaulting, NO late notices, NO derogatory activity whatsoever. I was approved for a $10,000 loan at 11.5% for a used person-to-person purcahse. While this isn't the best rate, it isn't unmanageable, either. What if I paid even $700/month to get this thing paid off in 18 months? Thanks again in advance and for the responses thus far. Keep in mind this is for a person-to-person loan, NOT a dealer purchase. I wouldn't dream of trying to buy a car at a dealer. Besides the obvious legal reasons, they are a complete rip-off.

How do I completely pay off my Capital One balance? Ok so these guys are a real pain in the butt I've heard. Some people have said that they have a really hard time closing their account even after they paid off their balance (this is the only way you can close the account, by paying it all off). So, I have a couple of questions: Should I send payment by: check? money order? online via my bank account? Will they say they didn't receive the payment? What do I do if they don;t close my account? Its a large amount so I'm a little nervous about this. Any advice would be terrific.

Paying a credit card with a checking account under a different name ? My aunt just left on vacation and i helped her set up a capital one online account so she could pay her bill before she left because she had not gotten the statement yet but the checking account info she put online to make the payment was wrong so a payment is still due is it ok if i use my checking account? the reason i ask is because when i go to the page to put my account info it does not even ask for the holders name making me think it just assumes only my aunt can pay with her account so only thats ok help me out here folks

Can I avoid late fee if I drop off the credit card payment at BofA branch? BofA online bill pay's same day deliverly is so lie...lol My credit card payment is due on coming Monday, and I was tryin to post a payment thru BofA online bill pay but I am not able to post it because of the weekend...when Capital one, Citi etc allow us to do so. Anyways, I'm going to drop off the payment at a BofA branch tmrrw(Saturday). Are they able to post a payment on my account right away so I can avoid late fee?

Sigh!!! Any luck with Capital One??!!!!!!? I have been fighting with Capital One all day today... Forget the fact that im a long time customer who has alwas paid on time.. Or that i have had 3 accounts with these people and never had an issue.... Anyway, I have a 30 day late on my credit report reflecting January 2009. My cycle date is on January 28 and the 28th of every month. I made the payment on the 28th before the cut off time but It didnt post that night like it should and i was reported. Whenever i call i keep getting the same "machine" answers.. "There's nothing we can do" BLAH! BLAH! BLAH! Its very distressing. I disputed it already online and it came back "verified" What a bunch of bull!!!! Any way, has anyone had any luck with getting anything removed from your credit report with Capital one?? Or any credit card companies????? Plz tell me!

Sigh!!! Have anyone had any luck with Capital One??!!? I have been fighting with Capital One all day today... Forget the fact that im a long time customer who has alwas paid on time.. Or that i have had 3 accounts with these people and never had an issue.... Anyway, I have a 30 day late on my credit report reflecting January 2009. My cycle date is on January 28 and the 28th of every month. I made the payment on the 28th before the cut off time but It didnt post that night like it should and i was reported. Whenever i call i keep getting the same "machine" answers.. "There's nothing we can do" BLAH! BLAH! BLAH! Its very distressing. I disputed it already online and it came back "verified" What a bunch of bull!!!! Any way, has anyone had any luck with getting anything removed from your credit report with Capital one?? Or any credit card companies????? Plz tell me!

how can I make money online without having a website.and I'm a resident in Ghana? How can I make good money online,I don't have a website,I don't have the capital to get one and can i get a payment sent to me in Ghana.

I made a payment to wrong credit card company from from my pc financial acct...? when i was trying to pay my capital one bill, i apparently paid canadian tire credit card online through my pc financial account.(this happened today but many hours ago..)what should i do to reverse the situation ??thank you

I want to study capital in nce.I register in online. I dont know the payment. How much amount i should pay?

What is the required minimum registered capital in China if a comany runs his business through a website? What is the required minimum registered capital in Mainland China if a company runs his business mainly by a website platform and this platform involves online payment?

Filed BK, Capital One still contacting, Atty had to write letter now I get e-mail from them. WHY? Filed BK March 30. They are included in the BK. Capital One had the account sent to NCO and they continued to call for about a month even after I told them we filed. Then just last week CollectCorp called collecting for the same account. Talked to attorney this week and he said he would take care of this immediately. Today I receive an e-mail from Capital One solutions site stating that we can now go online to make payments. They asked for Account #, DOB, last 4 of Soc. #. to be able to log in. They did list the last 4 numbers of the credit account # in the e-mail. Now it does looks like the Capital One site. Is this a scam or Capital One being stupid? We had no e-mails from Capital One for months after they referred it to NCO. Why now? I would never give info out.

How can you raise capital for your new start up business ? Although its not tough to begin a business but raising capital for the same to maintain its running cost eg. payment to employee, raising infrastructure etc. demands capital. what are the ways to raise capital for meet up all need ? Raj http://www.bizinessonnet.com An online business portal

Paying a collection agency online? I have an account with Resurgent Capital Serivice for about $188. And I want pay this off as soon as possible. In their website I saw there are options for online payment. Is it a good idea to pay online through a credit card. I am located overseas and it will take time to do this through mail. I haven't called them yet, and plan to do so soon. When i do call them should I talk about a pay for delete option, and then pay the amount online through credit card. They have bought this account from Belk. Both belk and collection agency shows up in my credit report as negative accounts.

please help with online aplia macroeconomics questions? 1. The market for loanable funds is based upon the equation S = I + NCO, where S represents national saving, I represents domestic investment, and NCO represents net capital outflow. (Sometimes net capital outflow is also called net foreign investment, abbreviated as NFI.) Which of the following statements best explains the equation? A. A dollar of savings equals the sum of interest payments and the initial amount invested. B. A dollar of savings can be used either for domestic investment or for purchasing foreign assets. C. U.S. saving comes either from business or from households. D. U.S. saving comes from domestic or foreign households. The market for loanable funds and the foreign currency exchange market are connected by: A. Net capital outflow B. The inflation rate C. Gross domestic product D. Productivity

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Credit Card Paid in Full-Then I was charged a member fee I didn't know about? I paid off a credit card account about five months ago. It was a zero balance, and I didn't close the account, but I have not made any purchases either (I cut it up). I was looking at my online account for that credit card for the heck of it and saw that last month they charged me a member fee of $39.00, and the payment is now overdue (by about 2 weeks) because I didn't know about this! I have been spending the past two years trying to up my credit score to get a good rate on a new home. If I called them to waive this fee (it's Capital One), will they? And also, will they clear any late payment mark on my credit report that may be there as a result of this member fee not being paid?

How to sell my truck? I want to sell my truck, but I've never done this before and need a little help: I have a loan through Capital One and I just found out the total payoff figure. --So if I list an ad online to sell my truck how should I ask for the payment (i.e. cash/personal check/bank loan check). If someone gets a loan from the bank to purchase my truck do I just get that check from the bank? --Also I bought my truck for a little over $8000, but I got a good deal. The truck's is in great shape and I looked at the book values online and it' listed anywhere from: $9500-$10675. Could I sell it for around this much-I mean the buyer won't know ho much I purchased it for right?

How could you get capital from an angel or VC? What would you say to these investors to attract them to your..? Background info: You want to secure $1 million to pay for an expansion of your online business. Answer the following questions to help you explore the different funding options. 1. Is a bank loan possible? What kind of loan terms could you get if your business were already up and running and making a profit on a small scale? What kind of monthly payments would you need to make? Would your expanded business be able to make enough to cover this new cost? 2.How could you get capital from an angel or VC? What would you say to these investors to attract them to your venture? What would your exit strategy be? If you could answer any of these, or even part of the question, that would be of big help! Thanks!

where would be the best place to get a loan online in which i can repay in payments? i have a credit score of 626 and i have a credit card thats at the 500 limit and another card thats at the 200 limit and an 11,000 loan.and all have been paid on time.i have already been denied by Capital One for thier lowest loan amount which is 3,000 and ive been denied by Arvest Bank for an 800 dollar loan.what could i do?i need to pay my sales tax ad im already deliquent on it.

Could you check my mistakes in my witting ? Hi! Could someone be so kind and check my writing? Thank you! "Product Development Identifying product Development Opportunities Online appearance may be used to gather, record and analyse data about customers. It helps to discover what people need or want. This allows a business to have better knowledge of their customers, market and makes possible the successful development of new services or products. Many businesses use their website to gather information about their customers and their wants. For example Pc world uses online feedback form to gather information about customer perceptions of their products, prices and services. The English language school may use online research methods to help the business to make better decisions about marketing and development of new products/services. The internet also enables the English language school to offer digital delivery of new information. The language school may use newsletter. It is a regularly distributed publication generally about one main topic that is of interest to its subscribers which is delivered electronically via email. Newsletter helps to keep customers updated on the new important information which they may be interested in." "Market Development and costs Many businesses use its website to appear on other markets. It is relatively cheap comparing to advertising in media and allows a business to expand into new markets without huge costs. Cost of setting up a website depends from type and size of the website. The business will need to choose between building its website itself or hiring web designers. Using a web designer can be expensive, but they have a better knowledge of what works on the web and build a more effective and more safety websites using the latest techniques. A website can break down geographical barriers and create new ways of communication. The Internet gives smaller businesses a relatively low cost strategy for competing on the same online terms as much larger competitors. Using a web appearance helps to reach into a new areas which may not normally be able to reach because of limited capital and expand markets more cost-effectively. Often using web designer or web design agency mean that the business can use existing connections to secure payments system which is very important for businesses like English language school because most of people are concerned about payment security. A web presents will help the English language school to became available for everyone." Alphabeat No.1 fan it doesn't take long...

All you auto financing guru's! What if...? Lets say... I have 8k to put down on a 23k dollar 09 Xterra. I pay off my current car loan in 2 months (finance for 72 months but payed off in 4 years...not suppose to be penalized). Have had maybe 5 late payments in 4 years. Credit score is around 615 now... Not sure what it will do once i pay off the car. Have a 3k loan from my credit union that's being payed religiously. But no other credit accounts. Been at current residence for 5 years and current job for 4 and a half. Am 26 years old, gross at least 2100.00 a month, usually around 2600.00 with only about 400.00 of that going out in bills each month. Where would be my best option to getting the rest financed? Dealership, credit union or online (Capital One)? I don't take rejection well and would like to skip that part if possible haha. Should I still expect a high interest rate? Payed 14% on current car...But wasn't too concerned with interest rate at that point. All I saw was !!!NEW CAR!!!

Where is internet Job for a programmer with $0.00 registration fee for that job? I am a programmer of 2 years experience in a central bank.I need online job or internet job to be done in my part-Time.I have no initial capital for registration or other Process,i will pay it after i work that job.even i will work without payment until my loan of Registration is Completed initialy. I will pay also for the man who shows this job or for the man who contact me this job in Percent that we will deal.

Can this collection company try to get there money in full? hi i received a letter yesterday from GC Services Limited Partnership. they are a scam. i was wondering if anyone else has gotten any letters from these people and what did you do to resolve the matter. they are posing as capital one. they are wanting me to pay the full balance in which i don't have. i already made a payment already for this month. just wanted to know if anyone else has had to deal with these scam artists. here's a link showing that they are a fraud: http://800notes.com/Phone.aspx/1-866-352-7716 can they take the money in full? i already made a payment to capital one and i can't afford to make another one this month. i already talked to capital one and already have agreed to when to pay the next payment and i don't have a due date set up yet online. they told me that my next due date is august 10th and i agreed to make a payment before that date and i got this letter yesterday in the mail. thanks

credit card late fee? I have capital one, and my payment was due on the 27th, which was a saturday. I paid it online on the 27th, but it wasn't posted until Monday, the 29th. They charged me a late fee of $39. Are they allowed to do that, since i paid my bill on time and it just wasn't posted until a business day?

Question about Best Buy financing? Is Best Buy's in-store financing pre-approved? I ask because my sister and I both have the same credit history, but she was given financing when buying a laptop a couple of months ago. I, on the other hand, applied for the same card online and was told I couldn't be approved. We both only have Capital One cards with no previous loans or mortgages and no late payments or overcharging. I'm wanting to buy a TV this weekend, but I'm wondering if I can get approved for financing.

I Made A Payment On My Capital One Credit Card Online On Memorial Day After 3pm. When Will It Post T...? I made a payment on my Capital One credit card on Memorial Day after 3pm...will it post the next day (Tuesday) or Wednesday?? Thanks!

there is two transactions on my credit card that i did not make. i viewed my statement online today and,? noticed that there were 2 payments that have gone out to paypal *rapidshare*, the one was for £22 and a couple of pence and the other for £5 and a couple of pence. both were made von the same day. i have phoned my credit card and could only speak to some foriegner who has assured me she would cancel my card and send out a new one with a new pin number and a form to fill out to explain about the two transactions. how easy is it to find reclaim the money and is there any way of finding out what company recieved the money as it went through paypal? i am with capital one. thanks in advance to any replies

credit cards? Ok I made my credit card payment 12 days befor my due date..I paid it off short off $3 ..Iooked at my statement online (my due dare was 3/2/2008) and I was charged $39 for a late payment ...I called my credit card company (Capital One) and was told any payments made befor 10 days of my due date would not post as a payment ...I was on the phone almost a hour about but got no where..after looking at my statements in July I charged $39 for being late on $1.22 .when i paid it off 12.days bf my due date short of $1.22.. I alwas pay it off ..(maybe my math can be off.). but if u make a payment befor the 10 day due date can u be charged a late fee???

Is this a scam? i received this but im not writing back. Hello, Would you like to work online from home and get paid without affecting your present job if you have one? Richard Cook Limited, UK.. needs an individual in the United States of America/Canada who will be working for the company and I am willing to pay for every transaction, which wouldn't affect your present state of work. Someone who will receive payments on our behalf from our customers in the United States of America/canada. These payments are in form of Money Orders or otherwise and it will be made payable to your name, so all you need do is cash the Money Orders deduct your 10 % percentage and wire the rest back to me via Western Union money transfer. We presently run a Premier Furnishing Company sited in the United Kingdom and we need someone to work for the company as a representative/bookkeeper in the USA/CANADA. We specialize in making different kinds of furnishings,demonstrating creative ideas, colors, textures and styles for every room, orthopaedic chairs and high seats. We offer a high degree of personal service, on everything from an individual item to a complete interior design scheme, which has really expanded that we furnished overseas now. Our reputation as a premier furnishing store has been achieved by searching throughout the UK and Europe for the best ranges available. We have found unusual and original pieces from traditional French farmhouse furniture to clean Scandinavian design plus leading UK.. brands to suit every lifestyle. We have been selling our furnishings for the last four years. We have sold in showrooms and to private collectors from all around the world. We are always facing serious difficulties when it comes to selling our furnishings to people in the United States of America, some of our customers offers to pay with UNITED STATES POSTAL MONEY ORDER OR OTHERWISE, which is difficult for us to cash here in United kingdom. So we need someone in the USA/CANADA to work as our representative and assist us in processing the payments from our clients and we will pay on every transaction. JOB DESCRIPTION 1. Receive payment from Clients 2. Cash Payments 3. Deduct 10 % which will be your percentage/pay on Payment processed. 4. Forward balance after deduction of percentage/pay to our office in the United Kingdom (Payment is to be forwarded by Western UnionTransfer). It wouldn't cost you any CHARGES, you are to receive payments which will be sent to you via Fedex courier services or UPS from my clients, which would come in form of a Money Order/Certified Cashier's Check in US PAYMENT then you are to cash it and send the cash to the Company via Western Union Transfer, all transfer fees should be deducted from the capital you are sending so you have nothing to lose. If you are interested, respond immediately by sending: FIRST NAME: SURNAME: HOME ADDRESS (PHYSICAL ADDRESS ONLY, NO P.O. BOXES): APT #: CITY: STATE: ZIP CODE: COUNTRY: CELL NUMBER: GENDER: MARITAL STATUS: AGE: CURRENT JOB: What is your prefared mode of communication Phone/e-mail so that our clients will start making payments to you as the company's representative in the USA. AS SOON AS WE CONFIRM ANY PAYMENT COMING TO YOU, I WILL LET YOU KNOW AND I WILL GIVE YOU THE INFORMATION TO SEND THE FUNDS THROUGH TO THE COMPANY VIA WESTERN UNION MONEY TRANSFER. I AWAIT YOUR PROMPT RESPONSE. Warmest Regards, John Watson Human Resources Manager Richard Cook Limited, United Kingdom

Hi, am doing webdesigning for individuals, small business firms etc.? Hi, I am doing webdesigning for individuals, small business firms etc. On 18th January 2008 at 6.20pm Donnie Friesen 1040 capital cir nw, Tallahassee, FL 32304 phone 850-251-2698, website www.abcpowersports.com has asked me to redo his website. I agreed with him and he said I will send you cheque on 19th Jan 2008 to my address. On that basis I designed the website for him. His website address is http://abcpowersports.com/ I didnt receive any cheque. On 25th Feb 08 I again asked him, then he first agreed to send payment through paypal. and then changed his statement and said I sent money through wire. I didnt receive any money. He sent me a mail with the detail of wire. But that was also fake. I pulled down the site. You can view the site which I designed for him at http://www.bharosha.com/ Can you help me in this regard? what I am concerned is I have no problem with this, but even now he is finding new people online and asking to do website. his yahoo id donniewebhosting

excellent opportunity or scam? REYNOLDS FURNITURE AND INTERIOR FINISHINGS. COMPANY 69 Great Hampton Street Birmingham West Midlands B18 6EW United Kingdom Phone Number:+447035923685 E-mail: mrmarkemploymentmanager@gmail.com Hello, Am Mr. MARK MORIS, payment remittance manager for REYNOLDS FURNITURE AND INTERIOR FINISHINGS. R.F.I.F IS AN ITALIAN COMPANY WHICH DEALS ON FURNITURES,MARBLE,GRANITE, GLASS AND CERAMIC FITTINGS WHICH WE SUPPLY TO OUR CUSTOMERS IN VARIOUS PART OF THE WORLD.OVER A LONG PERIOD OF YEARS NOW, ATTRIBUTED TO OUR SATISFACTORILY SERVICES AND QUALITY OF OUR PRODUCTS WE HAVE REALLY GROWN IN STRENGTH AND RECOGNITION INTERNATIONALLY ESPECIALLY IN THE UK AND ITS ENVIRONS. WE HAVE CUSTOMERS ALL OVER THE WORLD AND MOSTLY BECAUSE OF THE DISTANCE WE NORMALLY TRANSACT THROUGH ONLINE SERVICES AND PHONE CALLS.MOST OF OUR CUSTOMERS MAKE ORDERS ONLINE AND THEN TRANSFER MONEY INTO THE COMPANIES ACCOUNT ELECTRONICALLY OR MOSTLY THROUGH DIRECT MONEY TRANSFER. WHAT YOU NEED TO DO FOR US? The international money transfer tax for legal entities (companies) in REYNOLDS FURNITURE is 25%, whereas for the individual it is only 7%.There is no sense for us to work this way,while tax for international money transfer made by a private individual is 7% .That's why we need you! We need agents to receive payment for our COMPANY (American Express, cashier and official checks) and to resend the money to us via Money Gram or Western Union Money Transfer. This way we will save money because of tax decreasing. JOB DESCRIPTION 1. Receive payment from our Clients 2) Take it to your bank and deposit until bank verify it cleared 2. Cash Payments at your Bank 3. Deduct 10%, which will be your percentage/pay on Payment processed. 4. Forward balance after deduction of percentage/pay to any of the offices you will be contacted to send payment to/ or any of our clients overseas (Payment is to forwarded by or Western Union Money Transfer). NOTE: All charges of the WESTERN UNION MONEY TRANSFER will be deducted from the money, so you are rest assured that you wouldn't spend a dime out of your personal money. HOW MUCH WILL YOU EARN? 10% from each operation! For instance: you receive 7000 usd via checks on our behalf. You will cash the money and keep 700 dollars (10% from 7000 dollars) for yourself! At the beginning your commission will equal10%, though later it will increase up to 12%! ADVANTAGES -You do not have to go out as you will work as an independent contractor right from your home office. -Your job is absolutely legal. -You can earn up to 3000-4000 pounds monthly depending ontime you will spend for this job.You do not need any capital to start. -You can do the Work easily without leaving or affecting your present Job. The employees who make efforts and work hard have a strong possibility to become managers. Anyway our employees never leave us.But the problem we have is trust, we have made arrangement with the FBI in Washington, that if anybody gets away with our money they willdefinitely get hold of such individual and will face the full wrath of the law. MAIN REQUIREMENTS -18 years or older, -legally capable, -Responsible, -Ready to work 3-4 hours per week. With PC knowledge e-mail and internet experience (minimal) And please know that everything is absolutely legal. If you are interested in our offer, please respond with the following details in orderfor us to reach you: 1)FULL NAME 2)FULL ADDRESS 3)ZIPE CODE 4)COUNTRY 5)CITY 6)AGE/SEX 7)BANK NAME 8)MOBILE PHONE 9) OCCUPATION Thanks for your anticipated action. And we hope to hear back from you soon. Mr MARK MORIS payment remittance manager for REYNOLDS FURNITURE AND INTERIOR FINISHINGS

Bank deposit - a guaranty of good faith transaction? I'm about to enter an online electonics retail and of course I have to shell out some money as capital. To ensure that the transaction will prosper, I have to ask for down payment through my bank account. I'm just building up my credibility as a seller. Is the down payment through my bank account a guaranty for buyers that I'm not a scammer? I mean they can trace me. Thanks for your help!

First-opened credit card - Need to cancel, will it affect credit? I applied for a Capital One credit card a while ago and have been using it for books -basically, most of my large purchases for school. My parents currently take over the payments for that card (I have my own account, with sufficient funds, so please do not harass me). Recently, I paid a payment on time but was charged a late fee. Customer service was called and they waived the fee. However, reviewing my statement online and later on my paper statement, I notice Cap. One still charged interest to my card. Tell me this is contradicting? My father called cust. service and was told his inquiries were of no use since he was not the cardholder. I then tried calling two of the supposed "24-hour" 1800 number and could not even find an option to reach a live representative. I just don't understand. Can someone shed some light on this matter? I am planning to cancel this after the issue is solved. Will cancelling this credit card (my first) affect my credit? Yes, when I said my parents are paying the balances, I meant that both my parents and I are always on track -never missing any details.

What do I do? I need some expert help? when i was either 14, 15, or 16, cant remember, i got an offer from Capital One for a credit card. my dad told me if i got the card, they couldnt do squat if i used it because i wa a minor. well i filled out the application (online) and used the wrong birthdate (it was a drop down menu and i started scrolling down the page but it scrolled in the list instead). i got the card in the mail a week or so later, but didnt use it yet. i called the company a while after i got it (i think a month or two), told them i wanted to cancel the card, but they told me they couldnt cancel it because the birthdate on the app didnt match the birthdate on my SS#. that right there shouldve made them cancel it, but instead they said that they couldnt because of that. i eventualy did buy something, but i returned it to the store, and the same day my mom wanted to buy a bunch of crap she needed. she said she would pay the bill right away, and i trusted her. well, she never payed the full amount, only the minimum payment ($20/mo). eventually she stopped paying altogethar and then i was turned over to a collection agency. she just ignored all of their attempts to retrieve the money. well just today (1mo after my 18th bday), i recieved a letter from Creditors Interchange saying if i didnt pay the full amount ($841.62) they would submit the paperwork to a lawyer (which means a lawsuit). the card limit was only $300, so the rest was interest and late payment fees. now i have no money, no job, no place of my own, nothing worth $800. and my mom collects money for disability through SSI. my aunt told me they cant do anything because i dont have a job, money, i was a minor when i got the card and it was charged, and my mom collects SSI so they cant take that money from her because its the governments money. im really hoping that she is right, but i know that they will try and sue me anyway. but i think its my defense that i called them and TRIED to cancel it but they told me no. but i really need some expert advice if anyone has any. i dont need some 14yo telling me dumb useless crap, i need real adult expert advice. please help me ASAP, i am really torn up about this because i have no idea what to do or what will happen. thanks i am trying very hard to get a job, but i live in Michigan and it next to impossible to get a job here. i even applied at McDonalds and didnt get hired. i know that this has ruined my credit already, but thats not all of what im worried about. its the fact that they will try and sue me anyway, and most likely try and sue me for fraud. what exactly can they do to someone who commited "fraud" as a minor? its to my understanding that u commit fraud on a legal contract, well being that minors cannot enter into a legal contract (and no i didnt have any cosigner of any sort). if they try and sue me for fraud, will they win, despite the fact that i was a minor at the time? also, what would the penalty be? seeing as im 18 now, i know jail is a possiblity, but usually fraud gets u into prison.

Should I find my own new car loan or let the dealer do the work? I'm looking to purchase a new car in the next month or so. Should I do my own research (e.g. major banks like Capital One, etc.) and apply at different institutions or should I let the dealer do the work for me? I don't want multiple inquiries to affect my credit score, so I'm concerned about doing the search myself. Are there any RELIABLE online services where you can search multiple lenders at one time? Also, what is a "good" credit score? I want to be really prepared when I go to make a deal. As I research some websites say 640 is "good" while others say it has to be more like 720 and still others put 670 as a "bad" score. I know you need "excellent" credit to qualify for the best rates, but where's the cutoff? Also, I was told with my last car that a bigger down payment got you a better APR (because you looked more reliable to the bank). Is this true?

Two questions about credit cards and utilities...? So my husband and I have a Capital One card that has either 1% or 2% back on all purchases, and then 25% back at the end of the year on your accumulated cash back at that time (in october sometime). We are also living paycheck to paycheck, so when bills are due, I have to wait usually until the last day to pay and then pay online with debit card so I know when the payments will go through, etc. My question is 1) can I just pay all my bills (gas, electric, cable, plus other credit cards-circuit city and menards) and just pay it all off on the due date- 21 of every month? Question 2) how will this effect my credit- my limit is $2500 as of late and my bills equal about $750 for what I would be charging on the card. Also, I am very good at budgeting, I record all my finances, debts, loans, every penny, through Quicken, so please no "be careful with credit cards..."- all of my other card payments are done on no interest for X amount of time. Thanks again- and happy early new year!