EFTA00124774.pdf

NAVY 3 FEDERAL Visa Signature Credit Union GO REWARDS® r MINIMUM PAST DUE PAYMENT NEW I AMOUNT ACCOUNT NUMBER PAYMENT DUE PAYMENT DUE DATE BALANCE ENCLOSED 0.00 01/28/2019 105.32 xxxx xxxx xxxx $ PLEASE INDICATE CHANGE OF ADDRESS ON REVERSE. PLEASE MAKE CHECK PAYABLE AND ELUL TO: NAVY FEDERAL ** 002081.7 P.O. BOX 3500 MERRIFIELD VA 22119-3500 0010532000000000406095590715749340609559071574934 Visa Signature ACCOUNT NUMBER aux KO" XXxx MEI GO REWARDS® Pap I a4 ACCESS NUMBER SUMMARY OF ACCOUNT ACTWITY PAYMENT INFORMATION QUESTIONS Previous Balance New Balance $105.32 Credit Card Smokes 1-M842.6328 Payments Minimum Payment Due NONE Other Credits Payment Due Date 01/28/2019 Sand Billing Inquiries To: Purchases Late Payment Warning:If we do not receive your Navy Federal Credit Union Cash Advances mini-num payment by the date listed above. you may P.O. Box 1501 have to pay a $20.00 late fee and your APRs may be martin...! VA 22119.3501 Fees Charged increased up to the Penalty APR of 18.00%. Interest Charged Send Payments To: Minimum Payment Warning: If you make only the Navy Federal New Balance $105.32 minimum payment each period. you will pay more in P.O. Box 3603 Past Due Amount interest and it will take you longer to pay off your Met(Meld VA 22119-3500 Credit Limit $24.500.00 balance. For example: Available Credit $24,394.68 If youmake no To view your account Cash Limit $12,250.00 additional charges You well pay al And you will end online visit nevyfedlInII.Org. the balance up paying an Available Cash $12,250.00 tieing card MO eachthemonth Shaun en the esornaled If you would Ike inlomialica about Statement Closing Date 01/03/2019 statement rt Iota) credit counselng semi:ea.go to You Pay... MIps./hvwvemstice.govfusblisl- Da a In BIIII C cle 31 Only the rnrtimum 7 ins eredarcounseawg-agenetes- 5109 approvedpursuantli•utte.111 Penmen' ix call 1-868-503-7106. REWARD POINT SUMMARY Start Balance Earned Bonus Redeemed Adjusted I Expired/Purged End Balance - I I I I 3.418 Redemptions are not permitted on dosed or delinquent accounts. Rewards Details Rewards for Jan 2019 Qualified Spend Rewards Points Restaurants $0.00 flii 3x 0 Gas Stations WOO @ 2x 0 Other Eligible Purchases $307.74 307 Total This Period $307.74 307 Total Reward Year to Date $307.74 307 Navy Federal Credit Union Sp 001 EFTA00124774 P • CREDIT CARD CHANGE OF ADDRESS • NrCU ACCOUNT NO. VISA ACCOUNT NO. RANKMATE NAMC FIRST LAST SUFFIX, NEW ADDRESS Ll I Y SIAIE OP an APPUCANT OR CO-APPUCANT SIGNATURE THIS ADDRESS CHANGE IS APPLICABLE TO: HOME TELEPHONE NSA ONLY ALL APPLICANT'S NFCU ACCOUNTS MURK feltillUNe sOiNT OwNERIS)-iF NFCti SAVINGS IS A taNT Ars:CAMS Page 2014 Information About Your Visa E Account Important Telephone Numbers For Navy Federal:9 Credit Card Services Billing Rights Summary What to Do J You Think You Find a Mistake on Your Slefernent For Credit Card Services and Lost Cards, call toll-free 1-888-842-6328 If you think there is an error on your statenent, write t0 us at: Coted intenaticoally I-703.255.8837 For toll free numbers when overseas. navyfederalorgiCiveneaS/ Navy Fetal Credit Union Emergency Assistance 1.600-VISA.911 P.O. Box 3501 Emergency Assistance (11001 overseas, call collect) I-410.581.9994 Merrifield, VA 22119 You may also coned us electronically through Onine Banking atnavylederal.org. Variable Rate Information: Your Standard APR ad vary based on the U.S. Prime Rate. In your letter, give us the following information: Ths means your APR could increase it the U.S. Prime Rate increases or decease t the V.S. Prime Rate decreases. An increase a decease in your APR will affect the total • Account untinnabon: Your Nitre and account wits anoint of interest you pay. Your APR is ad)usted monthly en the first busies day ra the • Donor amount The dcdar emelt of the suspected error moth; it is determined by addng a Margin to the U.S. Prime Rate pubished in the Wad • Description of problem: If you think there is an sloe en your till, describe what you Street Journelen the first day of the previous month. Your Margin is a percentage amount believe is wrong and why you believe t is a mistake. that we determine based on an evaluation cf your credit history. You must contact us within 60 days after the error appeared en your statement. Payments: Payments may be made by mail, electronic transfer, et at a branch in person. You must notify us ot any potential errors in wiling or electronically. You may call us, at NI payments must be made In U.S. &oars Payments you mail must be addressed to Navy s' you do, we are not requked to investigate any potential errors, and you may have to Federal, P.O. Box 3500, Winfield, VA 22119-3500. Payments we receive by mail at this Pay the amount in question. address by 5:00 pm ET will be credited the sane day. In some cases, available credit may be delayed eV the payment is veined. Mailed payments to your credit card account may 1Vhde we investigate whether a not there has teen an error, the following are true: not be ccovringfred with funds designated fa credit to other Navy Federal accounts. We • We cannot try to collect the anoint in question or report you as delinquent on that will accept late a partial payments without forfeiting any of Navy Federars rights under Munn. this Agreement Payments that are marked "paid in full' and that are of an amount less • The charge in question may remain en your statement, and we may continue to charge than the balance en the credit card account, or that are marked with any other nettle/he you interest on that amount. But, line determine that we made a riVtake, you will not endorsements, should be sent to P.O. Box 3501, Hertel], VA 22119, Attn. Credit Card have to pay the amount in question a any interest or other fees related to that Division. mount. Transactions Made In Foreign Cummcy: All Visa purchases and cash advances will • Where you do not have t0 pay the amount In question, you are responsible for the be tilled to you in U.S. cellars. The rate ci exchange used for processing international reminder of your balance. transactions is a rate selected by Visa from the range of rates available in wholesale • We can apply any unpaid null aganst your credit WO_ cerrency markets fa the applicable central proceseng date, which rate may vary from the Your Rights at You Are Onsatisfied With Your Dredf Cord Purchases rate Yea itself receives or the government-maniated rate In effect for the applicable canal poymiing date. If you are dissatisfied with the goods or services that you have purchased with yes creel cad, and you have tried in good faith to correct the problem with the merchant, you may Paying Interest Your due date is at least 25 days after the dose of each tilling cycle. have the rigM not to pay the remaining amount due en the purchase. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin chasing interest on cash advances, balance transfers, To use this right, all of the foaming must be Due: and convenience dads on the transaction date. 1. Tel surcease must have been made n you home state a yethin 100 man of your ATM Cash Advance Fees: None d performed at a Navy Federal branch or ATM. anent mailing address, and the pu rchase price must have been more than $50. Otherwise $0.50 per cremes& transaction or $1.00 per overseas transaction. If you use (Note Nether a these is necessary d your purchase was based on an advertisement your card at an ATM not operated by Navy Federal, you may be chaeged an ATM fee by we mailed t0 you, or d we oval the company that sad you the goods a services.) the owner of the ATM. 2. You must have used your credit card fa the purchase. Purchases made with cash advances from an ATM or with a diedt that amazes your credit card account do not Now We Determine The Amount Of Interest Charges: Nary Federal calculates guilty. Interest charges do your account by applying the periodic rate to the average daily 3. You must not yet have fury paid fa the purchase. balance of you account, including anent transactons. To get the average daily balance, we take the beginning balance a you account each day, add new per:hoses If all of the acerb above are met and you are still dissatisfied with the purchase, contact and cash advances, and subtract any payments, eedits, and unpaid interest charges to us in twang or electronically at: give us the daily balance. Then, we add up all ra the daily Menem for the billing cycle Navy Federal Cleat Union and dNide the total by the number ci days In the baling cycle. This ghats us the average P.O. Box 3501 daily balance. You can find your 'average daily balance' for each being cycle in the Merrifield, VA 22119 'Balance Subject W Interest Rate' column of y0u statement. You may also contact us electsenicaIN through Online Banking at navyfederal.org. Payment Allocation: in general, we WI apply your minimum payment to the overtime Wee we investigate, the same rules apply to the &puled amount as ciscussed above. anoint (if any), inteest, and fees first beat applying it to principal balances. If your Me we finish our investigadon, we will tell you our decision. At that point, d we think account has balances with different APRs, we Wit apply the Minimal, payment first to the you ate an Mount and you do not pay, we may report you as delinquent. balance with the lowest APR before balances with higher APRs. My payment amount in access of the MillifilUnt payment wil be allocated to the balance with the highest APR and any remaining portion to the other balances in descending ceder based en PPR. C 2017 Nary hare WU 57N (12.17) Navy Federal Credit Union SP 001 EFTA00124775  NAVY Visa Signature* FEDERAL GO REWARDS® Credit Union FY003.04 TRANSACTIONS PAYMENTS AND CREDITS Trens Date Post Date Reference No. Description Sulmnkted By Amulet 12128118 12128/18 TRANSACTIONS GLENDA ANDERSON-LAYNE nxx sox xxxxIM Trans Date Post Date Reference No. Description knout 12120118 12/21/18 12120118 12/21/18 12120118 12/21/18 12120118 12/21/18 12120118 12/21/18 12120118 12/21/18 12121118 12/24/18 12121118 12/24/18 12122118 12/24/18 12123118 12/24/18 12123118 12/24/18 12125118 12/26/18 12130118 12/31/18 12130118 12/31/18 12130118 12/31/18 12130118 12/31/18 12130118 12/31/18 12/30/18 12/31/18 12130118 12/31/18 12131118 01/02/19 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 $0.00 Total Interest charged Si 2019 $0.00 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual Interest rate on your account. Annual Percentage Rate Balance Subject to Type of Balance (APR) Interest Rate Interest Charge Puthasse 10.99%(v) 30.00 S0.00 Cash Advances 12.99%(v) 30.00 S0.00 Bal Tit/CawChM 10.99% (v) $0.00 S0.00 (v) = Variable Rate • Bat TrUConv Chk = Balance Transfer or Convenience Check. There is no grace period to avoid interest Interest is assessed from the transaction date to the date the amount is paid in full. Navy Federal Credit Union SP 001 EFTA00124776  Visa Signatures GO REWARDS%) fart,4 c44 Achieve financial victory with a low rate CONQUER APR Balance Transfer. Just transfer your high rate balance from another lender to YOUR DEBT your Navy Federal Credit Card. navytederal org/myBT Insured by NCVA. Navy Federal Credit Union SP 001 EFTA00124777  NAVY 3 FEDERAL Visa Signature* Credit Union GO REWARDS® MINIMUM PAST DUE PAYMENT NEW AMOUNT ACCOUNT NUMBER PAYMENT DUE PAYMENT DUE DATE BALANCE ENCLOSED 0.00 0.00 02/28/2019 0.00 xxxx xxxx xxxx PLEASE INDICATE CHANGE OF ADDRESS ON REVERSE. PLEASE MAKE CHECK PAYABLE AND KUL TO: =MI NAVY FEDERAL se 0020757 P.O. BOX 3500 MERRIFIELD VA 22119-3500 0000000000000000406095590715749340609559071574938 Visa Signature* ACCOUNT NUMBER 10:EXKOOOMVX= GO REWARDS® Pap as ACCESS NUMBER 5737231 SUMMARY OF ACCOUNTACTIVITY PAYMENT INFORMATION QUESTIONS Previous Balance S105.32 New Balance 50.00 Credit Card Services 1303842.6328 Payments -$105.32 Minimum Payment Due NONE Other Credits -$0.00 Payment Due Date 02/28/2019 Send Billing Inquiries To: Purchases +$0.00 Late Payment Warning:If we do not receive your Navy Federal Credit linen Cash Advances +50.00 mini-num payment by the date listed above, you may P.O. Box 3501 have to pay a $20.00 late fee and your APRs may be tomato VA 22119.3501 Fees Charged +50.00 increased up to the Penalty APR of 18.00%. Interest Charged +$0.00 Send Payments To: Minimum Payment Warning: If you make only the Navy Federal New Balance 50.00 minimum payment each period. you will pay mere in P.O. Box 3603 Past Due Amount $0.00 interest and it wdl take you longer to pay off your PASIIIII0/0 VA 22119-3500 Credit Limit $24,500.00 balance. Available Credit 524,500.00 To view your account online ve.t nevyliklerel.Orti. Cash Limit $12,250.00 Available Cash $12,250.00 II you nould Ike informatics, about Statement Closing Date 02103/2019 credit counseing emcee. go to Days In Billing Cycle 31 ittpt/hvwvijustme.godusblist• atddcounsedind-agendes• APproved-pursuarill 'kw:to-111 or call 1-868-303-7106. IMPORTANT NOTICES *INFORMATION REGARDING YOUR MINIMUM PAYMENT DUE• • YOUR MINIMUM PAYMENT DUE IS 2%0F YOUR STATEMENT BALANCE OR $20 (WHICHEVER IS GREATER). PLUS ANY PAST DUE AMOUNT. YOU MUST PAY THIS AMOUNT TO KEEP YOUR ACCOUNT IN GOOD STANDING. REWARD POINT SUMMARY Start Balance Eamed Bonus Redeemed Adjusted ExpireWPurged End Balance 3.418 0 0 3,418 Redemptions are not permitted on dosed or delinquent accounts. Rewards Details Rewards for Feb 2019 Qualified Spend Rewards Points Restaurants 50.00 fj2 3x 0 Gee Stations WOO @ 2x 0 Other Eligible Purchases $0.00 Total This Period $0.00 0 Total Reward Year to Date $307.74 307 Navy Federal Credit Union Sp 001 EFTA00124778 P • CREDIT CARD CHANGE OF ADDRESS • NrCU ACCOUNT NO. VISA ACCOUNT NO. RANKMATE NAMC FIRST LAST SUFFIX, NEW ADDRESS Ll I Y SIAIE OP an APPUCANT OR CO-APPUCANT SIGNATURE THIS ADDRESS CHANGE IS APPLICABLE TO: HOME TELEPHONE NSA ONLY ALL APPLICANT'S NFCU ACCOUNTS MURK feltillUNe sOiNT OwNERIS)-iF NFCti SAVINGS IS A taNT Ars:CAMS Page 2014 Information About Your Visa E Account Important Telephone Numbers For Navy Federal:9 Credit Card Services Billing Rights Summary What to Do J You Think You Find a Mistake on Your Slefernent For Credit Card Services and Lost Cards, call toll-free 1-888-842-6328 If you think there is an error on your statenent, write t0 us at: Coted intenaticoally I-703.255.8837 For toll free numbers when overseas. navyfederalorgiCiveneaS/ Navy Fetal Credit Union Emergency Assistance 1.600-VISA.911 P.O. Box 3501 Emergency Assistance (11001 overseas, call collect) I-410.581.9994 Merrifield, VA 22119 You may also coned us electronically through Onine Banking atnavylederal.org. Variable Rate Information: Your Standard APR ad vary based on the U.S. Prime Rate. In your letter, give us the following information: Ths means your APR could increase it the U.S. Prime Rate increases or decease t the V.S. Prime Rate decreases. An increase a decease in your APR will affect the total • Account untinnabon: Your Nitre and account wits anoint of interest you pay. Your APR is ad)usted monthly en the first busies day ra the • Donor amount The dcdar emelt of the suspected error moth; it is determined by addng a Margin to the U.S. Prime Rate pubished in the Wad • Description of problem: If you think there is an sloe en your till, describe what you Street Journelen the first day of the previous month. Your Margin is a percentage amount believe is wrong and why you believe t is a mistake. that we determine based on an evaluation cf your credit history. You must contact us within 60 days after the error appeared en your statement. Payments: Payments may be made by mail, electronic transfer, et at a branch in person. You must notify us ot any potential errors in wiling or electronically. You may call us, at NI payments must be made In U.S. &oars Payments you mail must be addressed to Navy s' you do, we are not requked to investigate any potential errors, and you may have to Federal, P.O. Box 3500, Winfield, VA 22119-3500. Payments we receive by mail at this Pay the amount in question. address by 5:00 pm ET will be credited the sane day. In some cases, available credit may be delayed eV the payment is veined. Mailed payments to your credit card account may 1Vhde we investigate whether a not there has teen an error, the following are true: not be ccovringfred with funds designated fa credit to other Navy Federal accounts. We • We cannot try to collect the anoint in question or report you as delinquent on that will accept late a partial payments without forfeiting any of Navy Federars rights under Munn. this Agreement Payments that are marked "paid in full' and that are of an amount less • The charge in question may remain en your statement, and we may continue to charge than the balance en the credit card account, or that are marked with any other nettle/he you interest on that amount. But, line determine that we made a riVtake, you will not endorsements, should be sent to P.O. Box 3501, Hertel], VA 22119, Attn. Credit Card have to pay the amount in question a any interest or other fees related to that Division. mount. Transactions Made In Foreign Cummcy: All Visa purchases and cash advances will • Where you do not have t0 pay the amount In question, you are responsible for the be tilled to you in U.S. cellars. The rate ci exchange used for processing international reminder of your balance. transactions is a rate selected by Visa from the range of rates available in wholesale • We can apply any unpaid null aganst your credit WO_ cerrency markets fa the applicable central proceseng date, which rate may vary from the Your Rights at You Are Onsatisfied With Your Dredf Cord Purchases rate Yea itself receives or the government-maniated rate In effect for the applicable canal poymiing date. If you are dissatisfied with the goods or services that you have purchased with yes creel cad, and you have tried in good faith to correct the problem with the merchant, you may Paying Interest Your due date is at least 25 days after the dose of each tilling cycle. have the rigM not to pay the remaining amount due en the purchase. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin chasing interest on cash advances, balance transfers, To use this right, all of the foaming must be Due: and convenience dads on the transaction date. 1. Tel surcease must have been made n you home state a yethin 100 man of your ATM Cash Advance Fees: None d performed at a Navy Federal branch or ATM. anent mailing address, and the pu rchase price must have been more than $50. Otherwise $0.50 per cremes& transaction or $1.00 per overseas transaction. If you use (Note Nether a these is necessary d your purchase was based on an advertisement your card at an ATM not operated by Navy Federal, you may be chaeged an ATM fee by we mailed t0 you, or d we oval the company that sad you the goods a services.) the owner of the ATM. 2. You must have used your credit card fa the purchase. Purchases made with cash advances from an ATM or with a diedt that amazes your credit card account do not Now We Determine The Amount Of Interest Charges: Nary Federal calculates guilty. Interest charges do your account by applying the periodic rate to the average daily 3. You must not yet have fury paid fa the purchase. balance of you account, including anent transactons. To get the average daily balance, we take the beginning balance a you account each day, add new per:hoses If all of the acerb above are met and you are still dissatisfied with the purchase, contact and cash advances, and subtract any payments, eedits, and unpaid interest charges to us in twang or electronically at: give us the daily balance. Then, we add up all ra the daily Menem for the billing cycle Navy Federal Cleat Union and dNide the total by the number ci days In the baling cycle. This ghats us the average P.O. Box 3501 daily balance. You can find your 'average daily balance' for each being cycle in the Merrifield, VA 22119 'Balance Subject W Interest Rate' column of y0u statement. You may also contact us electsenicaIN through Online Banking at navyfederal.org. Payment Allocation: in general, we WI apply your minimum payment to the overtime Wee we investigate, the same rules apply to the &puled amount as ciscussed above. anoint (if any), inteest, and fees first beat applying it to principal balances. If your Me we finish our investigadon, we will tell you our decision. At that point, d we think account has balances with different APRs, we Wit apply the Minimal, payment first to the you ate an Mount and you do not pay, we may report you as delinquent. balance with the lowest APR before balances with higher APRs. My payment amount in access of the MillifilUnt payment wil be allocated to the balance with the highest APR and any remaining portion to the other balances in descending ceder based en PPR. C 2017 Nary hare WU 57N (12.17) Navy Federal Credit Union SP 001 EFTA00124779  NAVY C Visa Signatures FEDERAL GO REWARDS,, Credit Union R,r3c(4 TRANSACTIONS PAYMENTS AND CREDITS Trans Date Post Date Reference No. Description Submitted By Amount 01/13/19 01/14/19 7406Cr96901406859011C003 NFO PAYMENT RECEIVED %XXX XXX% XXXI( 5105.32 TOTAL PAYMENTS AND CREDITS $105.32 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 $0.00 Total Interest charged In 2019 $0.00 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual Interest rate on your account. Annual Percentage Rate Balance Subject to Type of Balance (APR) Interest Rate Interest Charge Puthases 11.24%(v) $0.00 $0.00 Cash Adearces 13.24%(v) $0.00 $0.00 Bal Tri•CcnvChle 11.24%(v) $0.00 $0.00 (v) = Variable Rate • Bat Trf/Conv Chk = Balance Transfer or Convenience Check. There is no grace period to avoid interest Interest is assessed from the transaction date to the date the amount is paid in full. CONQUER Achieve financial victory with a low rate APR Balance Transfer. Just transfer your high rate balance from another lender to YOUR DEBT your Navy Federal Credit Card. '1 navyfederal.org/my8T Insured by NCVA. Navy Federal Credit Union SP 001 EFTA00124780  Visa Signature• GOREWARDS" 4C(< Navy Federal Credit Union SP 001 EFTA00124781