+$517.12 +$785.00 +318.00 +$0.00 +$69.45 +$11.36
Purchases Balance Transfers Cash Advances Past Due Amount Fees Charged Interest Charged
30
Days in billing cycle
each month you pay...
about...
total of...
Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a $35 fee and your APRs may be increased up to the Penalty APR of 28.99% Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and take you longer to pay off your balance. For example: 1-XXX-XXX-XXXX 1-XXX-XXX-XXXX Only the minimum payment $62 8 years 3 years COPYRIGHTED MATERIAL
Please send billing inquiries and correspondence to: PO Box XXXX, Anytiown, Anystate XXXXX
QUESTIONS? Call Customer Service Lost or Stolen Credit Card
$2,785
$2,232 (Savings=$553)
Notice of Changes to Your Interest Rate
$1,786.00
New Balance
8 Fees and Interest Charges. Credit card companies must list fees and interest charges separately on your monthly bill. Interest charges are listed by type of transaction. Any late fees, balance transfer fees, cash advance or other fees must be disclosed. Post Date 2/23 2/25 2/26 2/26 Description of Transaction or Credit Store #1 Pymt Thank You Stor #2 Cash Advance Balance Transfer Amount $133.74 $450.00- $247.36 $318.00 $785.00 Your Annual Percentage Rate (APR) is princi pal interest rate on your account. Interest Charge C l ulation Interst Charge on Purcashes Interest Charge on Cash Advance TOTAL INTEREST FOR THIS PERIOD Interest Charged Please send billing inquiries and correspondence to: PO Box XXXX, Anytiown, Anystate XXXXX The following is a summary of changes that are being made to your account terms. For more detailed information, please refer to the booklet enclosed with this statement. These changes will impact your account as follows: Transactions made on or after 4/9/16: As of 5/10/16, a y chang to APRs describ d b l w will apply to these transcations. Transactions made before 4/9/16: Current APRs will continue to apply to these transactions. If you are already being charged a higher Penalty APR for purchases: In this case, any changes to APRs described below will not go into effect at this time. These changes will go into effect when the Penalty APR no longer applies to your account. You have triggered the Penalty APR of 28.95%. This change will impact your account as follows: Transactions made on or after 4/9/16: As of 5/10/16, the Penalty APR will apply to these transactions. We y keep the APR at this lev l indefinitely. Transactions made before 4/9/16: Current rates will continue to apply to these transactions. However, if you become more than 60 days late on your account, the Penalty APR will apply to tho e ransactions as well. The following is a summary of changes that are being made to your account terms. For more detailed information, please refer to the booklet enclosed with this statement. These changes will impact your account as follows: Transactions made on or after 4/9/16: As of 5/10/16, any changes to APRs described below will apply to these transcations. Transactions made before 4/9/16: Current APRs will continue to apply to these transactions. If you are alre dy being charged a higher Penalty APR for purchases: In this case, any changes to APRs described below will not go into ffect at this time. These changes will go into effect when the Pen lty APR no longer applies to your account. Imp rtant Changes to Your Account Terms PRODUCT PREVIEW $62 3 years $2,232 (Savings=$553) The following is a summary of changes that are being made to your account terms. For more detailed information, please refer to the booklet enclosed with this statement. These changes will impact your account as follows: Transactions made on or after 4/9/16: As of 5/10/16, any changes to APRs described below will apply to these transcations. Transactions made before 4/9/16: Current APRs will continue to apply to these transactions. If you are already being charged a higher Penalty APR for purchases: In this case, any changes to APRs described below will not go into effect at this time. These changes will go into effect when the Penalty APR no longer applies to your account. 3/1 3/1 3/5 3/17 Store #3 Store #4 Store #5 9525156489SFD4545Q 84151564SADS8745H 256489156189451516L 2/23 2/27 2/28 2/23 2/27 2/28 Late Fee Balance Transfer Fee Cash Advance FEE TOTAL FEES FOR THIS PERIOD Fees Post Date 2/23 2/25 2/26 2/26 Description of Transaction or Credit Store #1 Pymt Thank You Store #2 Cash Advance Balance Transfer Transacti ns APR for Purchases 16.99% 7 Transactions. A billing statement lists of all of the transactions that have occurred since the last statement. Review this list carefully to make sure you recognize all of the transactions as made or authorized by you. If you find a fraudulent or suspicious transaction, call the credit card company asap. Their phone number is on the back of the credit card. 7 Important Changes to Your Account Terms Revised Terms, as of 5/10/16 APR for Purchases 16.99% Reference Numbers 5884188PS0388W6YM 854338203FS8OO0Z5 564891561545KOSHD 1542202074TWWZV48 4545754784KOHUIOS 2564561023184102315 045148714518979874 0547810544898718AF Reference Numbers 5884188PS0388W6YM 854338203FS8OO0Z5 564891561545KOSHD 1542202074TWWZV48 4545754784KOHUIOS 2564561023184102315 045148714518979874 0547810544898718AF 9525156489SFD4545Q 84151564SADS8745H 256489156189451516L Tras Date 2/22 2/25 2/25 2/26 2/27 2/28 3/4 3/15 Tras Date 2/22 2/25 2/25 2/26 2/27 2/28 3/4 3/15 Post Date 2/23 2/25 2/26 2/26 Description of Transaction or Credit Store #1 Pymt Thank You Store #2 Cash Advance Balance Transfer Amount $133.74 $450.00- $247.36 $318.00 $785.00 $34.32 $29.45 $72.25 $35.00 $23.55 $10.90 $69.45 $6.57 $4.79 $11.36 Amount $133.74 $450.00- $247.36 $318.00 $785.00 $34.32 $29.45 $72.25 Interst Charge on Purcashes Interest Charge on Cash Advance TOTAL INTEREST FOR THIS PERIOD Store #3 Store #4 Store #5 Late Fe Balance Transfer Fee Cash Advance FEE TOTAL FEES FOR THIS PERIOD Total fees charged in 2016 Tot l interest charged in 2016 $90.14 $18.74 Interest Charged Totals Year-to-Date Important Changes to Your Account Terms 3/1 3/1 3/5 3/17 2/23 2/27 2/28 2/23 2/27 2/28 $35.00 $23.55 $10.90 $69.45 Fees Revised Terms, as of 5/10/16 Credit limit Available credit Statement closing date Days in billing cycle 6 Other Changes to Your Account Terms. If your credit card company is going to raise your i terest rate, charge additional fees, r make other chang s to your account, it must notify you at least 45 da s before the changes take effect. (The 45 day warning does not apply to rate changes that are a result of the cardholder’s actions such as a late or missed payment.) In this case, however, the cardholder has already triggered the penalty APR. The card issuer is also raising the purchase APR. When the penalty APR expires after six consecutive on time payments, the new, higher APR will apply. Please end billing inquiries and correspondence to: PO Box XXXX, Anytiow , Anystate XXXXX $2,000.00 $214.00 3/22/2016 30 If you make no additional charges using this card and each month you pay... You will pay off the balance shown on this statement in about... And you will end up paying an estimated total of... You have triggered the Penalty APR of 28.95%. This change will impact your account as follows: Transactions made on or after 4/9/16: As of 5/10/16, the Penalty APR will apply to these transactions. We may keep the APR at this level indefinitely. Transactions made before 4/9/16: Current rates will continue to apply to these transactions. However, if you become more than 60 days late on your account, the Penalty APR will apply to those transactions as well. Notice of Changes to Your Interest Rate QUESTIONS? Call Customer Service Lost or Stolen Credit Card 1-XXX-XXX-XXXX 1-XXX-XXX-XXXX Only the minimum payment 8 years $2,785 9 Year-to-Date Totals. Another sobering revelation. This section lists all of $6.57 $4.79 $11.36 6 Transactions You have triggered the Penalty APR of 28.95%. This change will impact your account as follows: Transactions made on or after 4/9/16: As of 5/10/16, the Penalty APR will apply to these transactions. We may keep the APR at this level indefinitely. Transactions made before 4/9/16: Current rates will continue to apply to these transactions. However, if you become more than 60 days late on your account, the Penalty APR will apply to those transactions as well. Transactions Revis d Terms, as of 5/10/16 APR for Purchases 16.99% Notice of Changes to Your Interest Rate
Tras Date 2/22 2/25 2/25 2/26 2/27 2/28 3/4 3/15
Reference Numbers 5884188PS0388W6YM 854338203FS8OO0Z5 564891561545KOSHD 1542202074TWWZV48 4545754784KOHUIOS 2564561023184102315 045148714518979874 0547810544898718AF 9525156489SFD4545Q 84151564SADS8745H 256489156189451516L
3/1 3/1 3/5 3/17 2/23 2/27 2/28
$34.32 $29.45 $72.25 $35.00 $23.55 $10.90 $69.45 $6.57 $4.79 $11.36
Store #3 Store #4 Store #5
Totals Year-to-Date
the fees and interest charges for the current year. These include annual fees, over-the- limit fees and late payment fees. Many can be avoided by carefully limiting how much you charge and by paying on time.
Balance Subject to Interest Rate
8 $533.32 $265.00 $575.67
Total fees charged in 2016 Total interest charged in 2016
$90.14 $18.74
2/23 2/27 2/28 Purchases Cash Advances Balance Transfers Type of Balance
Fees 14.99% (v) 21.99% (v) 0.00% Annual Percentage Rate (APR)
$6.57 $4.79 $0.00 Interest Charge
Late Fee Balance Transfer Fee Cash Advance FEE TOTAL FEES FOR THIS PERIOD Interst Charge on Purcashes Interest Charge on Cash Advance TOTAL INTEREST FOR THIS PERIOD
(v) = Varable Rate Interest Charge Calculation
Interest Charged
Your Annual Percentage Rate (APR) is princi pal interest rate on your account.
Balance Subject to Interest Rate
Type of Balance
9 14.99% (v) 21.99% (v) 0.00% Annual Percentage Rate (APR)
$6.57 $4.79 $0.00 Interest Charge
$533.32 $265.00 $575.67
Total fees charged in 2016 Total interest charged in 2016 Purchases Cash Advances Balance Transfers
Totals Year-to-Date
$90.14 $18.74
(v) = Varable Rate
Chapter 13 | Credit Card Craze 248 Interest Charge Calculation
Your Annual Percentage Rate (APR) is princi pal interest rate on your account.
Balance Subject to Interest Rate
Purchases Type of Balance
14.99% (v) Annual Percentage Rate (APR)
$6.57 Interest Charge
$533.32
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