UPDATE 2-Capital One credit-card defaults rise, stock down

* U.S. credit-card delinquencies rise to 4.83 pct

* International cards charge-off rate rises to 9.76 pct (Updates with stock price, financial details)

NEW YORK, Aug 17 Capital One Financial Corp's (COF.N) U.S. credit-card defaults and delinquencies rose in July, sending shares down 4.7 percent in premarket trading, as more Americans lost jobs and struggled to pay their debts.

The trend differs from American Express Co's comments earlier this month, when the largest U.S. credit-card company by sales announced defaults declined in July for a second straight month and said it saw the first signs of improvement in the industry in 18 months.

In a regulatory filing on Monday, Capital One said the annualized net charge-off rate for U.S. credit cards -- debts the company believes it will never collect -- increased to 9.83 percent in July from 9.73 percent in June.

Capital One, one of the largest issuers of Visa and MasterCard credit cards, said accounts at least 30 days delinquent -- an indicator of future loan losses -- inched up to 4.83 percent from 4.77 percent.

Rivals Bank of America Corp (BAC.N), Citigroup Inc (C.N), JPMorgan Chase & Co (JPM.N), and Discover Financial Services (DFS.N) are expected to report the monthly performance of their U.S. credit-card portfolios later Monday.

For U.S. auto loans, Capital One's charge-off rate rose to 4.26 percent in July from 3.89 percent in June, and the delinquency rate increased to 9.22 percent from 8.89 percent.

In international operations, including Canada and Britain, the charge-off rate went up to 9.76 percent in July from 9.26 percent in June, while the delinquency rate fell to 6.68 percent from 6.69 percent.

Capital One once specialized in credit cards but expanded into branch banking in recent years after acquiring Hibernia Corp and North Fork Bancorp Inc. More recently, the acquisition of Chevy Chase Bank expanded its presence in the affluent suburbs of Washington, D.C.

Capital One shares fell 4.7 percent to $33.50 in premarket trading. The stock is up 5 percent this year and has more than tripled in price in the past five months, coming off a 13-year low. (Reporting by Juan Lagorio; Editing by Lisa Von Ahn and Maureen Bavdek)