* U.S. credit card charge-off rate rises to 9.73 pct
* U.S. credit card delinquencies fall to 4.77 pct
* International cards charge-off rate falls to 9.26 pct
* Shares rise 3.2 percent in premarket trading

NEW YORK, July 15 (Reuters) - Capital One Financial Corp's (COF.N) U.S. credit card defaults rose in June as unemployment increased and Americans struggled to pay their debts, but the figures were better than expected and the company's shares rose 3.2 percent.

In a regulatory filing on Wednesday, Capital One said the annualized net charge-off rate for U.S. credit cards -- debts the company believes it will never collect -- rose to 9.73 percent in June from 9.41 percent in May.

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 -- fell for fourth straight month, to 4.77 percent from 4.90 percent.

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