EFTA Document EFTA01654837

Centurion Card G MAXWELL Closing Date 12/18/19 DUPLICATE COPY New Balance $955.89 Payment Due Date 01/12/20* Late Payment Warning: f we do not receive your payment by the Payment Due Date of 01/12/20, you may have to pay a late fee of up to $39.00. I See page 2 for important information about your account. Please refer to the page 7. section on 4, 'lease fold on the perforation below, detach and return with your payment El Payment Coupon Do not staple or use paper clips G MAXWELL Pay by Compute, americanexpress.com/pbc See reverse side for instructions an how to update your address, phone number, or email. 0. 1/S Account Ending Available and Pending as of 11/30/15 625,888 For up to date point balance and full program details. visit Account Summary Previous Balance $5.879.66 Payments/Credits -$5,941.63 New Charges +$978.86 Fees +$39.0C New Balance $95549 Days in Billing Period: 31 Customer Care Pay by Computer americanexpress.com/pbc Customer Care Pay by Phone 1.877.877.0987 1 800.472.9297 Q See page 3 for additional information OM Pay by Phone 1-N0-472-9297 AMERICAN EXPRESS P.O. BOX 1270 NEWARK NJ 07101-1270 0000349991763032141 000095589000095589 14 rl Account Ending Enter 15 digit account a on all payments Ma ke check payable to American Express ,ayment Due Date 01/12/20 Amount Due $955.89 AMEX001762 EFTA01654837 G MAXWELL DUPLIC COPY AccountEnding 2-08004 p. 219 Paymenb:Your payment must be sent to the payment address shown on your statement and must be received by 5 p.m. local time at that address to Pe credited as of the day it is received. Payments we receive after 5 pin. will not be credited to your Account until the next day. Payments must also: (1) include the remittance coupon horn your statement (2) be made with a single check drawn on a U5 bank and payable in US dollars, or with a negotiable instrument payable in US dollars and clearable through the US Ranking system; and (3) include your Account number. If you' payment does not meet all of the above requirements, crediting may be delayed and you may incur late payment fees and additional interest charges. Electronic Payments must be made through an electronic payment method payable n US dollars and clearable through the US banking system. If we accept oayment in a foreign currency, we will convert it into US dollars at a conversion rate that is acceptable to us, unless a particular rate is required oy law. Please do not send post-dated checks as they will be deposited apron receipt. My restrictive language on a payment we accept will have so effect on us without our express prior written approval. We will re 'resent to your financial institution any payment that is returned unpaid Permission for Electronic Withdrawah(1) When you send a check for payment, you give us permission to electronically withdraw your payment from your deposit or other asset account. We will process checks electronically by transmitting the amount of the check, routing number, account number and check serial number to your financial institution, artless the check is not processable electronically or a less costly process is available. When we process your check electronkally, your payment may De withdrawn from your deposit or other asset account as soon as the same day we receive your check, and you will not receive that cancelled check with your financial account statement. If we cannot collect the funds electronically we may Issue a draft against your deposit or other asset account for the amount of the check. (2) By using Pay By Computer, Pay By Phone or any other electronic payment service of OM, you give us anmission to electronically withdraw funds from the deposit or other asset account you specify in the amount you request. Payments using such services of ours received after 800 p.m. MST may not be credited until the next day Now WeCalculate Your Balance. We use the Average Daily Balance (ADS) nethod Oncluding new transactions) to calculate the balance on which we charge Interest foe Pay Over Time and/or Cash Advance balances on your Account. Call the Customer Care number on page 3 for more information about this balance computation method and how resulting interest charges are determined The method we use to figure the ADO and interest resufts in doilycorrpounding of interest Paying Inhcest:li you have a Pay Over Time and/or Cash Advance balance, your due date is at least 25 days after the close of each billing period. We will begin charging interest on transactions added to a Pay Over Time 'Nance as of the date they are added. However, we will not charge interest on charges added to a Pay Over Time balance automatically(for example, Pay Over Time Travel and Pay Owl Time Direct; If you pay the Account Iota New Balance by the due date each month. We will, however, charge you nterest on cash advances beginning on the transaction date Foreign Currency Charges:El you make a Charge in a foreign currency, we will convert it into US dollars on the date we or our agents process it. We will choose a conversion rate that is acceptable to us for that date, unless a particular rate is required by law. The conversion rate we use is no more than the highest official rate published by a government agency or the nighest interbank rate we identify horn customary banking sources on the conversion date or the prior business day. This rate may differ from rates in effect on the date of your charge. Charges converted by establishments wil x billed at the rates such establishments use Credit Balance: A credit balance (designated CR) shown on this statement epresenis money owed to you. If within the six-month period following the date of the first statement indicating the credit balance you do not tequest a refund or charge enough to use up the credit balance, we coil send you a check for the credit balance within 30 days if the amount is $1.00 or more Credit Reporting: We may report information about your Account to credit bureaus. tate payments, missed payments, or other defaults on your Account may be reflected in your credit report What To Do If You Think You Find A Mistake On Your Statement f you think there is an error on your statement, write to US at American Express, PO Box 981535, El Paso TX 79998.1535 You may alsocontact us on the Web: wwwamericanexpresscom n your letter, give us the following information - Account information:Ynin name and account number • Dollar amountThe dollar amount of the suspected error • Description of ProblemII you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing (or electronically). You nay call us, but if you do we are not required to investigate any potentia errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following are true: -We cannot try to collect the amount in question, or report you as delinquent on that amount. -The charge in question may remain on your statement, and we may continue to charge you Interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any nterest or other fees related to that amount. -While you do not have to pay the amount in question, you are responsible for the remainder of your balance -We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases f you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true: 1 .The purchase must have been made in your home state or within 1C0 miles of your current mailing address, and the purchase price must have been more than S50. (Note: Neither of these is necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2.You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3.You must not yet have fully paid lot the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at: American Express, PO Box 981535, El Paso TX 79998 1535 wenv.americanexpress.com While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Change of Address, phone number,•mall - Online at - Via mobile device -Voice automated: call the number on the back tour cart ▪ name, company name, and foreign addressor phone changes, please call Customer Care Please do not add any written communication or address change on this stub Pay Your Bill with AutoPay )educt your payment from your bank account automatically eac h month. • Avoid late fees • Save time Visit today toenroll 'or information on how we protect your Privacy and to set your communication and privacy chokes, please visit www.americanexpress.comiprivacy. AMEX001763 EFTA01654838 Centurion° Card G MAXWELL Closing Date 12/18/19 DUPLICATE COPY Pa Customer Care & Billing Inquiries la International Collect Large Print & Braille Statements Cash Advance at ATMs Inquiries 1-877-8774987 Hearing Impaired 1.954-S03-8905 TTY:1 800 221.9950 1.877.877-0987 FAX:1 623-707-4442 1-800-CASH-NOW In NY:1-800.522.1897 a 3/9 Account Endin WobatommeManexptess.corr Customer Care & Billing Inquiries P.O. BOX 981535 EL PASO, TX 19998-1S3S Payments P.O. BOX 1270 NEWARK NJ 07101. 1710 Payments and Credits Summary Total Payments Credits 50.00 G MAXWELL 2-08004 55.941.63 Total Payments and Credits -$5,941.63 Detail *Indicates posting date Credits Amount 12/17/19' GMAXWELL 12/17/19• GMAXWEI 12/17/19° GMAXWELL 12/17/19• GMAXWELL 12/17/19• GMAXWELL 12/17/19• GMAXWEI 12/17/19• GMAXWELL 12/17/19* GMAXWELL 12/17/19• GMAXWELL 12/17/19• GMAXWELL POINTS FOR ANNI JAI MFMRF RCMP FFF CRAW' POINTS FOR ANNIIAI MFMRFRSHIP FFF CRFDIT POINTS FOR YOUR CHARGES CREDIT POINTS FOR YOUR CHARGES CREDIT POINTS FOR YOURCHARGES CREDIT POINTS FOR YOUR CHARGES CREDIT POINTS FOR YOUR CHARGES CREDIT POINTS FOR YOUR CHARGES CREDIT POINTS FOR YOUR CHARGES CRFINT POINTS FOR YOUR CHARGES CREDIT -$5,200.0C -$220.00 -$15.88 -$8A8 -$10.00 -$8A8 -$91.27 -$32555 -$2124 -$10.00 12/17/19• CIMAXWELL 12/17/19• GMAXWELL 12/17/19• G MAMA. 1 POINTS FOR YOURCHARGES CRUX! -$424 POINTS FOR YOUR CHARGES CRUX! -$10.61 POINTS FOR YOUR CHARGES CREW -$15.88 New Charges Summery Total GMAXWFI I IENNIFFR TURNER ■ Total New Charges S890.06 5138.80 $97824 I Detail GMAXWELL Ca id Endinallin Amount 110600 THE UPS STOa BUSINESS SERVICE BOSTON MA 5457.5C AMEX001764 Continued on fevers° EFTA01654839 G MAXWELL DT0-kciiiiMPEY04 O. 49 Detail Continued Amount 17111/19 JASON POSSUMAT000000(1001 HERMOSA BEACP CA $325.55 12104/19 WA $91.13 12/14/19 Networksolutions.con• FL $15.88 si JENNIFER TURNER Card Ending Amount 1/22/(9 APPLUDINUILL RKORD STORF IN1kRNE1 CHARGE CA $31.85 12/02/19 APPLECOWBILl RKORD STORE INTFRNFTCHARCS CA $8.48 12119/19 WERIMISTERWEBSITE FL $39.99 12/13/19 APPLECOWBILI. RKORD STORE INTERNET CHARGE CA $4.24 12/13/19 APPLE.COMA31LL RKORD STORE INTERNET CHARGE CA $424 Fees Amount 12/12/19 G MAXWELL Total Fees for thk Period Late Payment Fee $39.00 $39.00 2019 Fees and Interest Totals Year-to-Date Total Fees in 2019 Total Interest in 2019 Anieunl S2,595.00 $0.00 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account Transactions Daniel Annual Percentage From To Rate Balance Subject to Interest Rate Interest Charge Pay Over Time Select 07/08/2010 10.6596(4 $0.00 $0.00 Cash Advances 05101/2019 26.74%(v) $0.00 10.00 Total htvoirblertate $0.00 Information on Pay Over Time There Is no pre-set spending limit on your Card No pre-set spending limit does not mean unlimited spending. Purchasing power adjusts with your use of the Card. your payment history, credit record and linancial resources known to us and other lectors. Unless you have been previously notified otherwise. your Card has no pre-set spending limit. AMEX001765 Continued on next page EFTA01654840