UPDATE 2-Capital One credit card defaults fall in October

* U.S. credit card charge-offs fall to 9.04 pct in October

* U.S. credit card delinquencies rise to 5.72 pct in Oct (Adds financial details)

NEW YORK, Nov 16 (Reuters) - Capital One Financial Corp's (COF.N) U.S. credit-card defaults fell in October, but delinquencies rose in a sign that consumers remain under stress.

In a regulatory filing on Monday, Capital One said the annualized net charge-off rate -- debts the company believes it will never collect -- for U.S. credit cards fell to 9.04 percent in October from 9.77 percent in September.

However, accounts at least 30 days delinquent -- an indicator of future loan losses -- increased to 5.72 percent from 5.38 percent.

JPMorgan Chase & Co (JPM.N), Bank of America Corp (BAC.N), Citigroup Inc (C.N) and American Express Co (AXP.N) were also due to report the monthly performance of their credit card portfolios on Monday.

Credit card charge-offs usually track unemployment, which rose to a 26-year high of 10.2 percent in October.

Last week, Capital One Chief Executive Richard Fairbank forecast that charge-offs would keep going up and remain elevated throughout 2010, hurt by weakness in the housing market and more job losses.

Capital One is the third-largest U.S. issuer of Visa-branded credit card and the fifth-largest issuer of MasterCard-branded credit cards.

For U.S. auto loans, Capital One's charge-off rate went down to 4.32 percent in October from 4.58 percent in September, and the delinquency rate inched down to 9.30 percent from 9.52 percent.

In international operations, including Canada and Britain, the charge-off rate rose to 9.49 percent in October from 9.24 percent in September, and the delinquency rate increased to 6.67 percent from 6.63 percent.

Capital One shares are up 22 percent this year, compared with a 3 percent decline in the KBW banking index .BKX. (Reporting by Juan Lagorio; Editing by Lisa Von Ahn and John Wallace)