File a dispute with Capital One.Typically, the penalty APR applies for a minimum of six months but can go on indefinitely. Note that late payments are subject to an APR of 26.99 if you are late or miss your payments. Saks Fifth Avenue SaksFirst Store Card has a variable purchase APR of 23.99. The Pricing Information shows a range of terms that includes both mail and online offers for new accounts available under this Agreement as of December 31. This card has higher than average regular APRs. There are two parts to this Credit Card Agreement: Capital One Pricing Information and the Capital One Customer Agreement. For that reason, it’s a good idea to try to resolve your dispute directly with the merchant. Credit Card Agreement for Saks Retail Cards in Capital One, N.A. Try to resolve the situation with the merchant. When Capital One resolves a dispute case, it can take up to 90 days.Here are the steps you can take to dispute a charge: A credit you were supposed to receive didn’t show up on your statement.You made a purchase, but the amount on your statement is wrong or you were charged twice What is the customer service phone number for Saks credit card The Saks credit card customer service number is (877) 383-4802.You cancelled a service and you’re still being charged for it.You didn’t receive merchandise or services you paid for.Here are some situations where Capital One can help you dispute a charge: If you see a charge from a merchant you recognize or have done business with, but there’s something wrong with the charge, you may file a dispute.