Capital One Financial Corp.'s net charge-off rate on outstanding credit card receivables rose to 7.82% in January, up 11 basis points from 7.71% in December, according to a Cap One U.S. Securities and Exchange Commission filing this week. The increase is in line with company expectations, which project the charge-off rate will increase to 8.1% during the first quarter. In a similar regulatory filing in December, Cap One said its charge-off rate increased by 73 basis points, to 7.71% from 6.98% in November. During a teleconference with analysts last month, Richard D. Fairbank, Cap One founder, chairman and CEO, said he expects the company's charge-offs probably will continue to rise throughout this year if unemployment continues to rise. The current unemployment rate is 7.6%.