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Click here or scroll down to respond to this candidatep. 1/8Candidate's Name
Street Address HIGH STSOMERSET MA Street Address -5712AMERICAN EXPRESSStreet Address Street Address
NEWARK NJ 07101-1270Please refer to the section on.IMPORTANT NOTICESpages 5 - 6.Amount EnclosedPayment Coupon Pay by Computer Pay by Phone Account Ending 1-22000$New BalanceMinimum Payment Due$29,463.36$690.85membershiprewards.comPay by ComputerCustomer Care Pay by PhoneDo not staple or use paper clips americanexpress.com/pbc PHONE NUMBER AVAILABLE Enter 15 digit account # on all payments.Make check payable to American Express.Payment Due DateNew BalanceAutoPay AmountSee reverse side for instructionson how to update your address,phone number, or email.See page 2 for important information about your account. If you make no additionalcharges and each month youpay...You will pay off the balanceshown on this statement inabout...And you will pay anestimated total of...Only theMinimum Payment Due 30 years $69,722$1,040 3 years$37,430Available and Pending as of 11/30/19For up to date point balance and full programdetails, visitPrevious BalancePayments/CreditsNew ChargesFeesInterest Charged$29,357.49-$690.24+$395.89+$0.00+$400.22Credit LimitAvailable Credit$31,700.00$2,236.64Cash Advance LimitAvailable Cash$5,000.00$2,236.64Days in Billing Period: 31americanexpress.com/pbcPHONE NUMBER AVAILABLE PHONE NUMBER AVAILABLESee page 3 for additional information.The Optima Platinum CardIf we do not receive your Minimum Payment Due bythe Payment Due Date of 02/03/20, you may have to pay a late fee of up to$39.00 and your APRs may be increased to the Penalty APR of 29.99%. If you make only the minimum payment each period,you will pay more in interest and it will take you longer to pay off your balance. For example:If you would like information about credit counseling services, call PHONE NUMBER AVAILABLE Account SummaryCustomer CareCandidate's Name
Closing Date 01/09/20 Account Ending 1-22000New Balance $29,463.36Minimum Payment Due $690.85Payment Due Date 02/03/20Continued on page 3(Savings = $32,292)Membership Rewards Points4,697Late Payment Warning:Minimum Payment Warning:02/03/20$29,463.36$690.85p. 2/8Your 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 be credited as of the day it is received. Payments we receive after 5 p.m. will not be credited to your Account until the next day. Payments must also: (1) include the remittance coupon from your statement; (2) be made with a single check drawn on a US bank and payable in US dollars, or with a negotiable instrument payable in US dollars and clearable through the US banking system; and (3) include your Account number. If your 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 in US dollars and clearable through the US banking system. If we accept payment 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 by law. Please do not send post-dated checks as they will be deposited upon receipt. Any restrictive language on a payment we accept will have no effect on us without our express prior written approval. We will re- present to your financial institution any payment that is returned unpaid.(1) When you send a check forpayment, 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, unless the check is not processable electronically or a less costly process is available. When we process your check electronically, your payment may be 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 deposit or other asset 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 ours, you give us permission 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 8:00 p.m. MST may not be credited until the next day.We use the Average Daily Balance (ADB)method (including new transactions) to calculate the balance on which we charge interest 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.Your due date is at least 25 days after the close of each billing period. We will not charge you interest on your purchases if you pay each month your entire balance (or Adjusted Balance if applicable) by the due date each month. We will charge you interest on cash advances and(unless otherwise disclosed) balance transfers beginning on the transaction date.If you make a Charge in a foreign currency, wewill convert it into US dollars on the date we or our agents process it. We willchoose 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 highest interbank rate we identify from 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(such as airlines) will be billed at the rates such establishments use. A credit balance (designated CR) shown on this statement represents money owed to you. If within the six-month period following the date of the first statement indicating the credit balance you do not request a refund or charge enough to use up the credit balance, we will send you a check for the credit balance within 30 days if the amount is$1.00 or more.We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report.If 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 also contact us on the Web: www.americanexpress.com In your letter, give us the following information: Your name and account number.The dollar amount of the suspected error.If 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 may call us, but if you do we are not required to investigate any potential 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 interest 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. If 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: The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (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.)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.You must not yet have fully paid for 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 www.americanexpress.comWhile 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.Payments:Permission for Electronic Withdrawal:How We Calculate Your Balance:Paying Interest:Foreign Currency Charges:Wewill charge a fee of 2.70% of the converted US dollar amount. Credit Balance:Credit Reporting:What To Do If You Think You Find A Mistake On Your Statement- Account information:- Dollar amount:- Description of Problem:----Your Rights If You Are Dissatisfied With Your Credit Card Purchases 1.2.3.Change of Address, phone number, email----Please do not add any written communication or address change on this stub www.americanexpress.com/updatecontactinfoamericanexpress.com/autopaywww.americanexpress.com/privacy.Online atVia mobile deviceVoice automated: call the number on the back of your card For name, company name, and foreign address or phone changes, please call Customer Care Deduct your payment from your bankaccount automatically each month.Avoid late feesSave timeVisittoday to enroll.For information on how we protect yourprivacy and to set your communicationand privacy choices, please visitCandidate's Name Account Ending 1-22000Pay Your Bill with AutoPay--The method we use to figure theADB and interest results in daily compounding of interest. p. 3/8We will debit your bank account for your payment of $690.85 on 01/31/20. This date may not be the same date your bank will debit your bank account. Any inquiry to American Express concerning this debit should be made before 01/29/20. If your AutoPay payment is less than your Minimum Payment Due, we must receive an additional payment for at least the difference by 02/03/20.Customer Care & Billing InquiriesInternational CollectLarge Print & Braille StatementsCash Advance at ATMs InquiriesHearing ImpairedTTY:FAX:In NY:Website:Customer Care& Billing Inquiries PaymentsTotalPaymentsCreditsTotal Payments and Credits -$690.24Payments AmountTotalTotal New Charges $395.89Candidate's Name
AmountPHONE NUMBER AVAILABLEPHONE NUMBER AVAILABLEPHONE NUMBER AVAILABLE1-800-CASH-NOWPHONE NUMBER AVAILABLEPHONE NUMBER AVAILABLEPHONE NUMBER AVAILABLEamericanexpress.comP.O. BOX 981535EL PASO, TX79998-1535P.O. BOX 1270NEWARK NJ 07101-1270-$690.24$0.0012/31/19* AUTOPAY PAYMENT RECEIVED - THANK YOUBANK OF AMERICA, NA-$690.24Card Ending 1-2200012/16/19 SOMERSET COUNTRY STORE SOMERSET MAGAS STATION$38.6912/28/19 DAVE & BUSTER'S PROVIDENCE RIPHONE NUMBER AVAILABLE$111.0012/28/19 HONG KONG CITY LTD PHONE NUMBER AVAILABLE TAUNTON MA RESTAURANT$64.7012/28/19 SOMERSET COUNTRY STORE SOMERSET MAGAS STATION$22.2612/29/19 SHAWS 1411 1411 FALL RIVER MAPHONE NUMBER AVAILABLE$126.6912/30/19 AUCLAIR'S MARKET PHONE NUMBER AVAILABLE SOMERSET MA PHONE NUMBER AVAILABLE$32.55Continued on reverse*Indicates posting dateThe Optima Platinum CardSummaryDetailSummaryDetailCandidate's Name
Closing Date 01/09/20 Account Ending 1-22000Payments and CreditsNew Chargesp. 4/8AmountTotal Fees for this Period $0.00AmountTotal Interest Charged for this Period $400.22AmountTransactions DatedFrom ToAnnualPercentageRateBalanceSubject toInterest RateInterestChargeTotal $400.2201/09/20 Interest Charge on Purchases $400.22You may see interest on your next statement even if you pay the new balance in full and on time and make no new charges. This is called "trailing interest." Trailing interest is the interest charged when, for example, you didn't pay your previous balance in full. When that happens we charge interest from the first day of the billing period until we receive your payment in full. You can avoid paying interest on purchases by paying your balance in full and on time each month. Please see the "When we charge interest" sub-section in your Cardmember Agreement for details. Total Fees in 2020 $0.00Total Interest in 2020 $400.22Your Annual Percentage Rate (APR) is the annual interest rate on your account. Purchases 12/10/2018 17.49% (v) $4,049.54 $60.13Purchases 05/09/2015 12/09/2018 15.74% (v) $25,453.61 $340.09 Cash Advances 12/10/1998 26.74% (v) $0.00 $0.00About Trailing InterestCandidate's Name Account Ending 1-22000FeesInterest Charged2020 Fees and Interest Totals Year-to-DateInterest Charge Calculation(v) Variable Ratep. 5/8To access the most up to date version of your Cardmember Agreement, please log in to your Account at www.americanexpress.com .Enrollment in Automatic Flight InsuranceReminder: You and/or Additional Card Member(s) are currently enrolled in Automatic Flight Insurance*. This optional insurance product can provide coverage for accidental death and dismemberment when flying on a Covered trip. If You choose to cancel enrollment, would like enrollment on another Card under Your account or require additional information regarding enrollment, please contact us at the number listed on the back of Your card.* Underwritten by AMEX Assurance Company. Terms, conditions and exclusions apply. Additional Card Member(s) may have enrolled independently. Please remind Additional Card Member(s) that they are currently enrolled in Automatic Flight Insurance.Candidate's Name Closing Date 01/09/20 Account Ending 1-22000 IMPORTANT NOTICESYour Cardmember AgreementImportant Notices continued on next page.p. 6/8In Case of Errors or Questions About Your Electronic Transfers Telephone us at 1-800-IPAY-AXP for Pay By Phone questions, at 1-800-528-2122 for Pay By Computer questions, and at 1-800-528-4800 for AutoPay. You may also write us at American Express, Electronic Funds Services, P.O. Box 981531, El Paso TX 79998-1531, or contact online at www.americanexpress.com/inquirycenter as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared. 1. Tell us your name and account number (if any).2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.3. Tell us the dollar amount of the suspected error. We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. Candidate's Name Closing Date 01/09/20 Account Ending 1-22000 IMPORTANT NOTICES continuedEFT Error Resolution NoticeEnd of Important Notices.The Optima Platinum Card p. 7/8Candidate's Name
Closing Date 01/09/20 Account Ending 1-22000Candidate's Name Account Ending 1-22000 p. 8/8 |
