www.capitalone.com is the home of Capital One Bank online. Capital One Bank is well known for among others:

  • Its credit cards: through these, people are able to access credit lines to finance day to day expenditures.
  • Its home loans: through these, people are able to own homes without having the funds to pay for them in cash/upfront.
  • Its auto loans: thanks to these, ordinary people are able to own cars that they’d otherwise have been unable to own if they were to pay in cash.
  • Its current account banking products: these help individuals and businesses alike in the day to day management of cash.
  • Its savings account products: these help individuals and businesses earn interest on their money, even as they make decisions on what to do with the said money. Some, of course, opt to simply leave their money in such savings accounts, so that they can continue earning interest without exposing themselves to major risks.

Prominent features at www.capitalone.com

  • ATM/Branch locator: at the very top of the page, you will find an ATM/Branch locator feature.
  • Zip code entry: next to the ATM/Branch locator feature is a zip code entry link. Once you enter your zip code, Capital One bank is able to give you information relevant to your area.
  • The search box: this enables you to expedite your browsing, by entering keywords related to (exactly) what you want to see/what you want to do at www.capitalone.com.
  • The login function: this enables you to gain access to the deeper vaults of www.capitalone.com, if you are one of the people who make use of Capital One’s services (as a customer).
  • Information pages links: these give you access to the pages dealing with the various Capital One products, among them the credit cards, the auto loans, the home loans, the investment products… and so on.

7 Things You Can do at www.capitalone.com

There are at least 7 things you can do at Capital One site, including:

  • Conducting research on Capital One credit cards: just move your mouse over or click on the main menu item which is labeled ‘credit cards’ and you will find information about the credit cards.
  • Getting information on Capital One’s various banking products: there is a main menu item at www.capitalone.com labeled ‘banking’ and this is the menu item you need to move your mouse over or click on, to get information on Capital One’s banking products.
  • Researching on Capital One’s loans and investment products: there are main menu items labeled ‘banking’ and ‘investing’ respective and those are the ones you need to move your mouse over or click on, to get the relevant information.
  • Accessing Capital One customer support: there is a main menu item labeled ‘customer support’ and upon clicking on it, you will access the support you need.
  • Logging into the Capital One online system: on the left side of the page www.capitalone.com, there is a login box, where you select your account type, and then enter your username to log in.
  • Locating ATMs where you can use Capital One Bank cards: as mentioned earlier, at the very top of the page at www.capitalone.com, there is a function for locating ATMs.
  • Locating brick and mortar Capital One Bank branches: again, as mentioned earlier, at the very top of the page at www.capitalone.com, there is a function for locating brick and mortar branches.

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A good number of the people who are employed to work for credit unions end up being given assignments that revolve around credit union loans. Some, for instance, are assigned tasks related to evaluating credit union loan applications. Others are assigned tasks related to following up on credit union loans: to ensure that the people who took up such loans repay them in good time. Others still are given the task of marketing the credit union loans: in order to get borrowers willing to take such loans. For such professionals to be successful in the respective undertakings, they need to have good understanding of how credit union loans are supposed to be managed.

One way in which the said professionals can gain good understandings of how credit union loans work is by reading books that have been written on the topic. Previously though, we have tended to have very few specialized books on the management of credit union loans. What we have tended to have, instead, are general finance books pertaining to the management of ordinary bank loans: yet the nature of credit union loans makes them quite different from ordinary bank loans. Lately though, we have seen an increase in the number of books written specifically about the management of credit union loans, two of which we will be looking at here:

Mary Anne Sauber’s “Credit Union Loan Professional Handbook”

In this 130-page handbook, Mary Anne Sauber packs in every bit of information a credit union professional would need on the management of credit union loans. The book deals with all aspects of credit union loan management: from the mobilization of funds for lending, to the evaluation of individual applications, onto the advancement of the loans and the recovery thereof. Every word in this book is clearly well thought of, and the author avoids unnecessary details: focusing entirely on the real substance of the topic. That is how Mary Anne Sauber ends up with a complete credit union loans professional handbook packed within 130 pages. And with the breadth and depth of information in this handbook, it is our view that it should be made to be part of ‘mandatory reading’ for all people embarking on credit union lending careers.

Mary Anne Sauber’s “Credit union loan professional handbook” is available on the Amazon Bookstore.

Donald Itkin’s “50 Successful Ideas for Marketing Credit Union Loans”

One common assignment for the professionals who are employed in the lending departments of credit unions is that of marketing credit union loans. The peculiar nature of credit union loans (compared to ordinary bank loans) makes it necessary to adopt unique strategies when it comes to marketing them. As with all loans though, credit union loans have to be marketed to people who actually need them, and who have the means to repay them. Identifying such people, and convincing them to take the credit union loans can be difficult – but this book gives you the strategies you can use to deal with the challenge. Pretty much every viable strategy that you can use when marketing credit union loans is dealt with in this 118-pages book. This book can help you become prolifically successful in the marketing of credit union loans (and in your subsequent credit union career path), if you act on the ideas given in it.

Donald Itkin’s “50 Successful Ideas for Marketing Credit Union Loans” is available on the Amazon Bookstore.

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Books With Insights On How Auto Loans Work

by Akuna on June 25, 2013


Auto loans are often mentioned amongst the most commonly sought-after types of loans all over the world. These are loans taken by people who wish to finance the purchase of motor vehicles. To understand just how popular auto loans are, you just have to look at the statistics pertaining to how people finance the purchase of their vehicles globally. In that regard, you will come to learn that most people finance the purchase of their vehicles through auto loans: indeed, the people who buy their vehicles in cash are a very small minority.

Now besides being very popular, auto loans can also be very confusing. Many people struggle to understand how the interest applicable to such loans is calculated. Many people also struggle to understand how the repayment installments and repayment periods are worked out. And it is against this background that people often venture out in search of books through which they can gain deeper understandings of how auto loans work. Responding to this need, we have seen many authors coming up with such books. Two examples of books that can help you understand how auto loans actually work will suffice, for now:

A Buyers Guide to Auto Loans: With Complete Tables by Michael Sherman

As the name suggests, this book is written from the viewpoint of the person who is looking to buy a vehicle using an auto loan. The book provides the basic facts governing the workings of auto loans. The book goes further to provide tables, where various auto loan borrowing and repayment scenarios are modeled. By the time you finish reading Michael Sherman’s “A Buyers Guide to Auto Loans: With Complete Tables” you will find yourself being totally conversant with how the various calculations pertaining to these loans are done. You will also find yourself in a better position to understand the thinking process that the lender engages in, when making decisions on whether to advance auto loans, and at what interest rates.

A Buyers Guide to Auto Loans: With Complete Tables by Michael Sherman is available from the Amazon Bookstore.

Michael Sherman’s “Payment Tables for Auto Loans”

As we mentioned earlier, the most confusing aspect of auto loans is usually that of how the repayment installments, repayment periods and interest rates are worked out. To help you resolve this confusion, Michael Sherman, who has come to be regarded as a leading authority in the subject of auto loans, has come up with a compilation of payment tables for auto loans. By the time you finish reading this book, you will have understood what the implications of taking the various courses of action with respect to auto loans are. You will also have understood why lenders tend to take certain factors into consideration when advancing auto loans, how the repayment installments are arrived at, and how the interest rates are calculated. In short, by the time you finish reading Michael Sherman’s “Payment Tables for Auto Loans” you will have obtained complete enlightenment on the workings of auto loans.

Michael Sherman’s “Payment Tables for Auto Loans” is available on the Amazon Bookstore.

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www.capitalone.com/contact is the page on Capital One bank’s website where customers, prospective customers and members of the general public can access the banks customer support function. It is also, in a way of speaking, the ‘contact us’ page on Capital One Bank’s website.

The structure of the Capital One Customer Support page

Capital One Bank’s customer support page at www.capitalone.com/contact is designed to make it easy for the customers to access the specific form of support they need. The webpage itself is basically made up of a collection of hyperlinks, these being the links to the pages where Capital One Bank customers can get support on various issues.

You notice that the page can be visualized as being made up of three major columns, those being:

The right column: which has a link to the frequently asked questions page, a link to the page where support for online banking functions is offered, and a link to the ‘site map’ page.

The middle column: this has links to many sections. One of those is the section where contact details (by phone, postal mail or email) are given. Then there are sections with links to the pages where issue-specific help is offered pertaining to things like the credit cards, the banking products, the loans, the investment products and so on.

The right column: this hosts a branch/ATM locator button, as well as a section with common questions/requests and finally, a section with details on how suspicious emails can be reported.

Accessing the Capital One Customer Support Page

There are very many ways of accessing the Capital One customer support page, key among them:

  • Simply putting the page’s URL into a browser’s address bar – the address being, as we have already mentioned, www.capitalone.com/contact.
  • Logging onto the homepage, at www.capitalone.com, and then clicking on the ‘customer service’ main/bold menu item, to access the page.
  • Logging onto a search engine, and then doing a search for ‘Capital One customer service.’

Modes in which Capital One Bank customer support is offered

There are several modes in which Capital One Bank customer support is offered, including:

  • The FAQ mode: many of the questions that customers have are questions that have been answered before, hence the relevance of the FAQ section as a customer support tool.
  • The phone-based mode: numbers are given, at www.capitalone.com/contact, through which one can contact Capital One Bank for support through the phone.
  • The email-based mode: a form through which email-based customer support can be accessed is available at www.capitalone.com/contact.
  • The postal mail-based mode: for those who prefer to do things the old way, there is an option of sending a letter requesting for help from Capital One bank, and a postal address is provided at www.capitalone.com/contact.

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www.capitalone.com/credit-cards – Capital One Credit Card

June 25, 2013

www.capitalone.com/credit-cards is the page that bears information pertaining to the credit cards offered by Capital One Bank. Many of Capital One’s clients turn out to be the folks who use its credit cards. Indeed, it is a well acknowledged fact that Capital One was one of the pioneers in the business of issuing credit cards […]

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Application.capitalone.com – Capital One Credit Card Application

June 25, 2013

Application.capitalone.com is the page where you can apply for a personal credit card from Capital One Bank. It is also the page where you can respond to a previously received credit card offer from Capital One Bank. Accessing the Capital One credit card application page The most straightforward way to access the Capital One credit […]

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Capital One Bank Information

March 18, 2014

Which services does Capital One Bank offer? Capital One Bank offers the whole range of banking services. Those include: Savings and current accounts: these are targeted at individuals who want to manage their cash in the right way and, possibly, earn some interest from their money (should they opt for the savings accounts). Lending services: […]

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Maps.capitalone.com/locator – Locate A Capital One Branch or ATM

March 18, 2014

maps.capitalone.com/locator is the page within the Capital One Bank site where you can get assistance in locating Capital One Bank brick and mortar branches, as well as ATMs where you can transact with the bank. The folks at Capital One Bank are probably cognizant of the fact that there are limitations to the sorts of […]

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www.capitalone.com/loans – Types of Loans At Capital One

March 18, 2014

www.capitalone.com/loans is a page where information about Capital One’s loan products is posted. Capital One is, by definition, a consumer lender: that is, a bank whose primary business is that of advancing loans to individuals. A good number of the loans given out by Capital One turn out to be very short term loans — […]

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www.capitalone.com/small-business-bank – Banking for Small Business Owners

March 18, 2014

www.capitalone.com/small-business-bank is the page the page you need to access, if you want to find information about the services that Capital One Bank offers to small businesses. Indeed, the page is formally captioned as being the ‘Capital One Small Business’ page. You notice that although Capital One is better known for its personal banking products […]

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