Capital One reported yesterday that net income between 3Q/99 and 3Q/00 increased 28.0%. For the third quarter, Cap One’s managed consumer loan balances increased by $2.3 billion to $24.2 billion. During the third quarter, Cap One added 2.3 million net new accounts, bringing total accounts to 29.4 million. On the Internet, online account originations and online account servicing increased to 760 thousand and 1.2 million, respectively, as of the end of the third quarter. Marketing expense rose to a record $233 million compared to $212 million in the second quarter of 2000 and $175 million in the comparable period of the prior year. The managed net charge-off ratio for 3Q/00 stood at 3.80% compared 3.97% one year ago. Delinquency (30+ days) edged slightly lower to 5.32% compared to 5.35% for 3Q/99. For complete 3Q/00 and prior quarters’ data for Cap One visit CardData ([www.carddata.com]).