Capital One 2014 Annual Report Download - page 11

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As 2014 again proved, there are significant threats to
information security across all industries, including
financial services. At Capital One, protecting customer
information is paramount and requires that we remain
ever vigilant in our defenses. We continue to bring in
top information security talent and fortify our monitoring
and response capabilities. We’ve made significant
investments in these areas over the years and will
continue to invest aggressively to keep our customers
and company safe.
We don’t build technology for technology’s sake. We
are a mission-driven company focused on serving our
customers. We measure our success by their success.
We are delivering breakthrough solutions that are simple,
transparent, and put customers in control. Technology is
a powerful means to that end.
Helping Our Customers Succeed
Many banks have lost focus on the customers they serve. Sadly, a lot of
people feel that banks are motivated by what’s best for themselves, not
their customers. At Capital One, we are here to help our customers succeed.
In our credit card business, that means helping people use credit wisely. We
strive to help our customers follow four important principles: get a clear and
fair deal; don’t borrow more than you should; pay on time; and pay down.
Helping people use credit wisely sometimes means leaving potential profits
behind. But at Capital One, it’s an easy choice. It’s the right thing to do for
our customers, and it’s how we are building an enduring customer franchise.
We are committed to providing customers with loans and credit lines that fit
their ability to pay. Our free payment alerts and automatic payment options
help customers manage their money. We make policy and design choices
in our online and mobile applications to encourage borrowers to pay more
than the minimum and teach customers about the benefits of paying down
debt. Our clear, digital-enabled products offer financial education to
customers at key moments in their financial lives.
Credit Tracker
Credit Tracker is our free online/
mobile interactive tool that allows
cardholders to track their credit
score and access tools and
products that can help them
manage their finances.