More on Capital One (COF): Q4 misses the mark across the board as total revenue declines by 3% Y/Y. The company says the decline was driven by higher levels of estimated uncollectible finance charges and fees in the company's Domestic Card business. Operating expenses also increased by 5% to $2.9B, due to higher year-end expense patterns and somewhat higher integration expenses. Marketing expense increased $77M in the quarter to $393M. Shares -4.2% AH.