Question 1

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 2

What is the 50/30/20 budget rule?

Accepted Answer

The 50/30/20 rule allocates 50% of income to needs (housing, food, utilities), 30% to wants (entertainment, dining out), and 20% to savings and debt repayment. Review bank statements to track adherence to these percentages.

Question 3

What is mortgage refinancing?

Accepted Answer

Refinancing means replacing your current mortgage with a new loan, typically to get a lower interest rate, reduce monthly payments, change loan terms, switch from ARM to fixed-rate, or cash out equity. You'll go through the application process again, pay closing costs, and should calculate whether long-term savings outweigh upfront expenses.

Question 4

What is a trust account?

Accepted Answer

A trust account holds assets for beneficiaries managed by a trustee. Banks offer trust services to manage estates, protect assets, provide for minors, or achieve specific financial goals with legal oversight.

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Frequently Asked Questions

What is a Capital One debit card?

What is the 50/30/20 budget rule?

What is mortgage refinancing?

What is a trust account?

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