Upload
others
View
0
Download
0
Embed Size (px)
Citation preview
HOW TO READ YOUR ONLINE STATEMENT
1
2
3
4
5
6
On your Online Statement, simply click on the
“Spend By” button on the graph, then select “Pay
Over Time Charges” in the “Transaction Type” section
to see charges in your Pay Over Time balance.
1 Filter Options
Expanded view shows Pay in Full, Pay Over Time
and Total amounts. Default view shows only Pay in
Total amounts.
2 Expanded View [+]
The amount of interest, if any, charged during
the current billing period for the Pay Over Time
balance carried over from your previous Card
statement.
3 Interest Charged
This is the total amount you owe on your Card
account at the end of the billing period. It includes
your previous balance plus adjustments for account
transactions such as payments, credits, new
charges, fees and interest charges. If you pay
the new balance by the payment due date each
month, you will not incur interest charges on charges
added to a Pay Over Time balance automatically.
We will begin charging interest on Select & Pay
Later charges as of the date they are added to a
Pay Over Time balance.
4 New Balance
This is the minimum amount you must pay by
the due date each month to keep your account
current. It includes your total Pay in Full charges
plus the Minimum Amount Due on your Pay Over
Time charges. You may pay your New Balance in
full, the Minimum Payment Due, or any amount
in between. The choice is yours.
5 Minimum Payment Due
We must receive at least your minimum payment
due on or before the payment due date.
6 Payment Due Date
HOW TO READ YOUR PAPER STATEMENT
This is the total amount you owe on your Card
account at the end of the billing period. It includes
your previous balance plus adjustments for account
transactions such as payments, credits, new
charges, fees and interest charges. If you pay
the New Balance by the Payment Due Date each
month, you will not incur interest charges on
charges added to a Pay Over Time balance auto-
matically. We will begin charging interest on Select
& Pay Later charges as of the date they are added
to a Pay Over Time balance.
This is the minimum amount you must pay by
the Payment Due Date each month to keep your
account current. It includes your total Pay In Full
charges plus the Minimum Amount Due on your
Pay Over Time charges. You may pay your New
Balance in full, the Minimum Payment Due, or any
amount in between. The choice is yours.
We must receive at least your Minimum Payment
Due on or before the Payment Due Date.
Advises you of what can happen if you do not pay
your Minimum Payment Due by the Payment Due
Date.
Advises you of how long it will take to pay off your
balance and that you will pay more in interest if you
pay only the Minimum Payment Due each month.
Summary of transactions separated by Pay In Full
and Pay Over Time activity, including payments
and credits, fees, and interest charged. The Account
Total section is calculated by adding the Pay In Full
and Pay Over Time sections. Mathematical symbols
help you see how your balance was created.
1
2
3
4
5
6
Disclosure about when interest is assessed on a
Pay Over Time balance.
7
Here is a summary and detailed list of both Pay
In Full and Pay Over Time charges made to your
account in the current billing period. Charges that
are eligible for Pay Over Time are easily identifiable
by the symbol.
8
The amount of interest, if any, charged during the
current billing period on the Pay Over Time balance.
Total fees and interest charged to your account to
date during the current calendar year.
Includes the Pay Over Time Annual Percentage
Rate (APR), and the Pay Over Time balance(s)
subject to the Interest Rate.
This section provides important information related
to your Pay Over Time features.
9
10
11
12