8/13/2019 Interpreter Bulletin 038 - Capital One

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Interpreter Bulletins Capital One Financial Corporation All Languages Page 1 of 3 2013 CyraCom International, Inc. All rights reserved. (rev. 05.15.13)

Interpreter Bulletin: Capital One Financial Corporation

Issue 38 (All Languages): May 15, 2013

Overview

The purpose of this bulletin is to familiarize you with the Capital One Financial Corporation

as well as common Capital One-related calls and terminology.

Founded in 1988 and headquartered in McLean, Virginia, Capital One offers financial

services and products to consumers, small businesses, and commercial clients. Among the

services Capital One provides are:

banking (personal, small business, and commercial) credit card services home and auto loans investment products savings

You can expect to receive calls related to each of these services.

Below are examples of common statements you will interpret when handling Capital Onecalls. Use the space provided to translate each statement.

This is an attempt to collect a debt. Any information obtained will be used for thatpurpose.

This communication is from a debt collector. This is an attempt to collect a debt.

Any information obtained will be used for that purpose.

I need to advise you that this call may be recorded and monitored for quality

assurance purposes. May I continue?

8/13/2019 Interpreter Bulletin 038 - Capital One

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Interpreter Bulletins Capital One Financial Corporation All Languages Page 2 of 3 2013 CyraCom International, Inc. All rights reserved. (rev. 05.15.13)

Capital One: Relevant Terminology

English Definition Translation

account statement a record of recent transactions and account balance

accrue to accumulate

alimonymoney owed by a husband or wife by order of lawafter a separation or divorce

available cash currency in coins and notes that is readily accessible

available credit

the portion of a line of credit that can still be used; thetotal credit limit minus the present balance of theaccount

balloon payment

a long-term loan that has low interest payments

during the loan period, but one large payment at theend of the loan period

bankruptcy (filing)the act of declaring your inability to pay outstandingdebts

billing cycle the schedule of billing statements

business days Monday, Tuesday, Wednesday, Thursday, and Friday

Capital One corporation that offers financial services and products

credit agreementarrangement in which one party borrows by promisingfuture payment

credit inquirytransaction in which a credit-issuing institution viewsan individual's credit report

credit score

a numerical expression based on a statistical analysisof a person's credit files, to represent thecreditworthiness

creditworthy trustworthy with money as based on a person's credithistory

default when a party is unwilling or unable to repay their debt

earnto receive money on a commercial or businesstransaction; to receive money for working

expired having become void after a specific date

fixed rate a loan in which the interest rate does not change

fraud claimformal request for repayment or cancellation ofunauthorized transactions

hidden fees expense not included on the initial price of something

hold indication that something is to be delayed or reserved

insufficient fundsindication that an account cannot satisfy the requestfor a payment

involve included as a necessary part

location a particular place

market valueamount for which something can be sold in a givenmarket

membership state of belonging to a group

merchant a businessperson

online payment payment made via the internet

8/13/2019 Interpreter Bulletin 038 - Capital One

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Interpreter Bulletins Capital One Financial Corporation All Languages Page 3 of 3 2013 CyraCom International, Inc. All rights reserved. (rev. 05.15.13)

reimbursement payback for an incurred expense

short term extending over a limited period

stakeholderperson, group, or organization with an interest insomething

tax return form used to make an annual statement of income

third partysomeone other than the principal members of atransaction

timeframeperiod of time during which something occurs or isexpected to occur

tuition school fees

unauthorizedcharges

transactions conducted without approval

update to make something current or bring up to date

voided check a check rendered void for any purpose

warm transferact of notifying the desired party of the impending calltransfer

yield profit or revenue an investment returns

Interpreter Portal

Additional terminology is available via the Interpreter Portal.