Question 1

What is the last statement balance on a credit card?

Accepted Answer

The last statement balance refers to the total amount you owed at the end of your previous billing cycle. It's the balance from your most recent statement before any new charges or payments made in the current cycle. This figure helps track whether you paid off your previous balance in full.

Question 2

What happens if I only pay the minimum payment instead of the statement balance?

Accepted Answer

If you only pay the minimum payment, you'll avoid late fees and penalties, but you'll be charged interest on the remaining balance. Interest compounds daily, making your debt more expensive over time. Paying only the minimum extends repayment and can cost significantly more in interest charges.

Question 3

What is a Capital One debit card?

Accepted Answer

A Capital One debit card is issued with Capital One checking accounts, including their 360 Checking account. It offers features like no monthly fees, access to 70,000+ fee-free ATMs, contactless payments, and mobile banking. It works anywhere Mastercard is accepted and provides fraud protection and account alerts.

Question 4

What is a debit card?

Accepted Answer

A debit card is a payment card linked directly to your bank account. When you make a purchase, money is immediately withdrawn from your checking or savings account. Unlike credit cards, debit cards use your own money rather than borrowed funds, helping you avoid debt and interest charges.

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Frequently Asked Questions

What is the last statement balance on a credit card?

What happens if I only pay the minimum payment instead of the statement balance?

What is a Capital One debit card?

What is a debit card?

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