EFTA00124742.pdf

NAVY 3 FEDERAL Credit Union Visa Sgnature eeroheRewards r MINIMUM PAST DUE PAYMENT NEW AMOUNT ACCOUNT NUMBER PAYMENT DUE PAYMENT DUE DATE BALANCE ENCLOSED 102.00 02/08/2019 5,099.94 xxxx xxxx xxxx PLEASE INDICATE CHANGE OF ADDRESS ON REVERSE. PLEASE MAKE CHECK PAYABLE AND Ma& TO: NAVY FEDERAL as 0123706 P.O. BOX 3500 MERRIFIELD VA 22119-3500 0509994000102004406095688774150440609568877415045 ACCOUNT NUMBER Vea Swabia eaai Rewards Pages old ACCESS NUMBER SUMMARY OF ACCOUNT PAYMENT INFORMATION QUESTIONS Previous Balance New Balance $5,099.94 Credit Card Services 1388842.6328 Payments Minimum Payment Due $102.00 Other Credits Payment Due Date 02/0812019 Send Billing Inquiries To: Purchases Late Payment Warning:If we do not receive your Navy Federal Creek Union Cash Advances minanum payment by the date listed above. you may P.O. Box 3601 have to pay a $20.00 late fee and your APRs may be MerrIlleid 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 New Balance 55.099.94 Navy Federal minimum payment each period. you will pay mete in P.O. Box 3600 Past Due Amount interest and it veal take you longer to pay off your Menlaind VA 22119-3500 Credit Limit $6.500.00 balance. For example: Available Credit 51,400.06 II youmake no To view your account Cash Limit 53,250.00 additional charges You wl witatayceoll And you will and Online yeel nsyyfilder•10.9. the b up paying an Available Cash 51,400.06 using the card and each month shown on INS eatmaled II you would Ike ntomiatico about Statement Closing Date 01/11/2019 statement n total of... cretin counselng seivioss. go to you Pay.. htlps./hnvoijustiee.goviustilisl• Da s In Billi C cie 31 Only the rnnimum 19 years nedil.counseling-agenciss• 39.266 approved-pursuardll•utu>111 Parnell! 56.084 on call 1-868403-7106. 5169 3 years (Savings 33.182) REWARDS SUMMARY Start Balance Earned Bonus deemed I Adjusted Purged End Balance $148.78 - - - - Redemptions are not permitted on closed or delinquent accounts. TRANSACTIONS PAYMENTS AND CREDITS Trans Date Post Date Reference No. Description Submitted By Anoint 12/11/18 12/12/18 12/31/18 12/31/18 TRANSACTIONS GLENDA ANDERSON-LAYNE xxxx sox xxxx Trans Date Post Date Reference No. Description Amami 12/11/18 12/12/18 12/09/18 12/12/18 Navy Federal Credit Union SP 001 EFTA00124742 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 EFTA00124743  NAVY FEDERAL VisaSignalise ath eReWardS Credit Union Par 3 014 TRANSACTIONS GLENDA ANDERSON-LAYNE xxxx xxxx xxxx Trans Date Post Date Reference No. DesalptIon Amount 12/11/18 12/12/18 12/12/18 12/13/18 12/10/18 12/13/18 12/12/18 12/13/18 12/13/18 12/14/18 12/13/18 12/14/18 12/13/18 12/14/18 12/13/18 12/14/18 12/13/18 12/14/18 12/13/18 12/14/18 12/13/18 12/14/18 12/14/18 12/17/18 12/17/18 12/18/18 12/17/18 12/18/18 12/17/18 12/18/18 12/17/18 12/19/18 12/18/18 12/19/18 12/19/18 12/20/18 12/21/18 12/24/18 GLENDA ANDERSON-LAYNE xxxx xxxx xxxx Trans Date Post Date Reference No. Description Amount 01/03/19 01/04/19 24692169003100425459972 OVC•573831726601'4OF6 800-367-9444 PA $62.38 01104/19 01/07/19 24692169004100993238047 OVC•573831880901'4OF6 800-367-9444 PA $63.48 01105/19 01/07/19 24906419005066180586771 HSICHSN1554251500 2OF3 800-9332887 FL $13.66 01105/19 01/07/19 24906419005066180336417 HSWHSN1554251501 2OF3 800-9332887 FL $13.66 01107/19 01/08/19 24692169007100680518815 OVC•576648875501'2OF6 800-367-9444 PA $13.06 01108/19 01/09/19 24692169008100307308391 NETFLIX.COM NETFLIX.COM CA $10.99 01108/19 01/09/19 24906419008066329296339 HSWHSN1562994739 800-9332887 FL $32.58 01108/19 01/09/19 24906419008068319020947 HLU'Hulu 956791389378-U HULU.COM/BILLCA S7.99 01109/19 01/10/19 24692189009100646796105 OVC*573057493601'5OF5 800-367-9444 PA S7.72 01/10/19 01/11/19 24908419010068431395553 HSN'HSN1546575513 3OF3 800-9332887 FL $66.64 TOTAL New Activity for GLENDA ANDERSON-LAYNE $292.16 INTEREST CHARGED Description Amount INTEREST CHARGE-PURCHASES TOTAL INTEREST 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 S0.00 Total Interest charged in 2019 $45 17 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 Cha Pischasee 11.65%(v) $4.652.13 645.17 Cash AoVances 13.65% (v) 50.00 50.00 Navy Federal Credit Union SP 001 EFTA00124744 P Visa Signature firs/ Rewards 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 Bal TrItonvChle 11.65%(v) 50.00 50.00 (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. 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. navyfederal org/myBT InSUred by NCUA. Navy Federal Credit Union SP 001 EFTA00124745  NAVY 3 FEDERAL Credit Union Vtsa Sgnature eeroheRewards MINIMUM PAST DUE PAYMENT NEW AMOUNT ACCOUNT NUMBER PAYMENT DUE PAYMENT DUE DATE BALANCE ENCLOSED 0.00 0.00 03/08/2019 4,083.99 xxxx xxxx xxxx $ PLEASE NOICATE CHANGE OF ADDRESS ON REVERSE. PLEASE MAKE CHECK PAYABLE AND MPJL TO: NAVY FEDERAL GLENDA ANDERSON-LAYNE as 0046763 P.O. BOX 3500 MERRIFIELD VA 22119-3500 0408399400000000406095688774150440609568877415044 ACCOUNT NUMBER Ma 'cox pox= YeaSwan eaai Rewards Page 1old ACCESS NUMBER SUMMARY OF ACCOUNTACTWITY PAYMENT INFORMATION QUESTIONS Previous Balance $5,099.94 New Balance $4,083.99 Credit Card Services 1303842.6328 Payments 42.213.07 Minimum Payment Due NONE Other Credits -$0.00 Payment Due Date 03/08/2019 Send Billing Inquiries To: Purchases +51.145.17 Late Payment Warning:If we do not receive your Navy Federal Credit union Cash Advances +50.00 mina-num payment by the date listed above. you may P.O. Box 3601 have to pay a $20.00 late fee and your APRs may be MerrilleM VA 22119.3501 Fees Charged +50.00 increased up to the Penalty APR of 18.00%. Interest Charged +551.95 Seed Payments To: Minimum Payment Warning: If you make only the New Balance $4.083.99 Navy Federal minrnum payment each period. you will pay more in P.O. Box 3600 Past Due Amount $0.00 interest and it veal take you longer to pay off your MerrilleM VA 22119.3500 Credit Limit 56,500.00 balance. For example: Available Credit $2,416.01 younuke no To view your account wil pay al Cash Limit $3.250.00 additiOnal charges You the balance And you wit as online vol nayyfrideriderrg. up paying an Available Cash $2.418.01 Laing Ills card Shawn on this esornaled II you would Ike miommlice about and each month Statement Closing Date 02/11/2019 statement n Mid credit counseing ten:pos.90 to you Pay Mtgs./hammuce.godusblist- Days In Billing Cycle 31 Only the minimum 17 creddcounserintpagendes- years $7.515 appreved-puirsuarthrimar>111 Parnell, $4.860 a call 1.868-503-7106. $135 3 years (Saunas 52.665) IMPORTANT NOTICES INFORMATION REGARDING YOUR MINIMUM PAYMENT DUE' . YOUR MINIMUM PAYMENT DUE IS 2%OF YOUR STATEMENT BALANCE OR S20 (WHICHEVER IS GREATER). PLUS ANY PAST DUE AMOUNT. YOU MUST PAY THIS AMOUNT TO KEEP YOUR ACCOUNT IN GOOD STANDING. REWARDS SUMMARY Start Balance Earned Bonus Redeemed Adjusted Purged End Balance $148.78 517.15 $0.00 $0.00 $0.00 $0.00 $163.93 Redemptions we not permitted on dosed or delinquent accounts. TRANSACTIONS PAYMENTS AND CREDITS Tnum Date Post Date Reference No. Description Submitted By Amount 02/01/19 02/01/19 74030$6$0320$$$$$381624 PAYMENT RECEIVED xxxx max max $102.00 02/07/19 02/08/19 74050969039062180200002 NFO PAYMENT RECEIVED xxxx xxxx max $2.111.07 TOTAL PAYMENTS AND CREDITS $2,213.07 Navy Federal Credit Union SP 001 EFTA00124746 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 EFTA00124747  NAVY C FEDERAL Visa Signature adRewards Credit Union TRANSACTIONS GLENDA ANDERSON-LAYNE xxxx xxxx xxxx Trans Date Post Date Reference No. Description Amount 01/12/19 01/14/19 24906419012066535157438 HSWHSN1547150583 30F4 800-9332887 FL $10.50 01/12/19 01/14/19 24906419012066534862766 HSWHSN1556820495 20F6 800-9332887 FL 56.90 01/12/19 01/14/19 24906419012066535029678 HSWHSN1556820493 20F3 800-9332887 FL 58.81 01/12/19 01/14/19 24906419012066534569144 HSWHSN1547150582 30F5 800-9332887 FL $16.99 01/12/19 01/14/19 24906419012066534082452 HSWHSN1556820492 20F6 800-9332887 FL S6.90 01/15119 01/16/19 24781979015083704621112 BATH & BODY WORKS.COM 800-756-5005 OH 550.07 01/17/19 01/18/19 24692169017100274196364 QVC'577053471201. 20F6 800-367-9444 PA 57.62 01/17/19 01/18/19 24692169017100274196372 OVC'572366465601'60F6 800-367-9444 PA $13.24 01/17/19 01/18/19 24906419017066777118182 HSWHSN1564849507 10F6 800-9332887 FL $10.49 01/17/19 01/18/19 24906419017066776400490 HSWHSN1564848527 I0F6 800-9332887 FL $10.49 01/17/19 01/18/19 24906419017066776597915 HSWHSN1564848547 I0F6 800-9332887 FL $10.49 01/17/19 01/18/19 24906419017066779054104 HSWHSN1564849506 I0F6 800-9332887 FL $10.49 01/19/19 01/21/19 24906419019066883726878 HSWHSN1548827625 30F6 800-9332887 FL $54.99 01/19/19 01/21/19 24906419019066883729219 HSWHSN1541651365 40F5 800-9332887 FL S5.99 01/20/19 01/21/19 24692169020100914497243 OVC'57571656170110F4 800-367-9444 PA $20.54 01/20/19 01/21/19 24692169020100914497250 OVC'575715176801'30F6 800-367-9444 PA S7.62 01/20/19 01/21/19 24692169020100914497268 QVC'572363387001. 60F6 800-367-9444 PA $17.22 01/20/19 01/21/19 24692169020100914497278 QVC'572363386701. 60F6 800-367-9444 PA $17.22 01/21/19 01/22/19 24692169021100427620892 QVC'575782129901. 30F5 800-367-9444 PA 55.27 01/21/19 01/22/19 24692169021100427820900 QVC'577282450201. 20F6 800-367-9444 PA $130.64 01/21/19 01/22/19 24692169021100427620918 OVC*577282450202'20F6 800-367-9444 PA S8.88 01/21/19 01/22/19 24692169021100427620926 OVC'5772824so2o3•20F6 800-367-9444 PA 58.88 01/21/19 01/22/19 24692169021100427620934 QVC'575782270801. 30F6 800-367-9444 PA $11.23 01/22/19 01/23/19 24692169022100017769017 QVC'575715176701. 30F6 800-367-9444 PA 57.62 01/23/19 01/24/19 24692169023100541493817 OVC'575782129902'30F5 800-367-9444 PA 5720 01/23/19 01/24/19 24692169023100541480625 OVC*575782129903'30F5 800-367-9444 PA 55.87 01/24/19 01/25/19 24906419024067124435957 HSWHSN1530032468 60F6 800-9332887 FL $41.65 01/28/19 01/29/19 24492159028637601252048 HALO2CLOUD LLC I-ITTPSSHOP.HALCT S95.99 01/30/19 01/31/19 24692169030100446915884 OVC'576293400902'30F5 800-367-9444 PA $11.96 01/30/19 01/31/19 24692169030100446915892 OVC'576I90265502'30F6 800-367-9444 PA $12.40 01/30/19 01/31/19 24692169030100446915900 OVC•576190265501'30F6 800-367-9444 PA $12.40 01/30/19 01/31/19 24692169030100446915918 OVC*576190265505'30F6 800-367-9444 PA $12.20 01/30/19 01/31/19 24692169030100446915926 OVC'576190265503'30F6 800-367-9444 PA $12.20 01/30/19 01/31/19 24692169030100446915934 OVC'57619026550410F6 800-367-9444 PA $12.20 01/31/19 02/01/19 24692169031100980244609 OVC•576293400901'30F5 800-367-9444 PA $11.96 02103/19 02/04/19 24692169034100813143058 OVC*573831726601'50F6 800-367-9444 PA $62.38 02104119 02/05/19 24692169035100274963209 OVC•573831880901'50F6 800-367-9444 PA $63.48 02104119 02/05/19 24906419035067710860359 HSWHSN1554251501 30F3 800-9332887 FL $13.66 02104119 02/05/19 24906419035067709590728 HSN'HSN155425I 500 30F3 800-9332887 FL $13.66 02104119 02/06/19 24445009037600044179727 HAUTLK RACK8885478438 888-547-8438 CA $264.83 02107/19 02/08/19 24692169038100149624306 OVC'576648875501'30F6 800-367-9444 PA $13.06 02108/19 02/11/19 24692169039100599805644 NETFLIX.COM NETFLIX.COM CA 510.99 02108/19 02/11/19 24906419039067926025793 HLU'Hulu 956791385393-U HULU.COM/BILLCA S7.99 TOTAL New Activity for GLENDA ANDERSON-LAYNE $1,145.17 INTEREST CHARGED Description Amount INTEREST CHARGE-PURCHASES 551.95 TOTAL INTEREST S51.95 Navy Federal Credit Union SP 001 EFTA00124748 P Visa Signature a te Rewards p.,, 2019 TOTALS YEAR•TO-DATE Total Fees charged in 2019 $0.00 Total Interest charged in 2019 $97.12 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 Pischases 11.90%(v) 55237.91 $51.95 Cash Atherces 13.90% (v) $0.00 $0.00 Bal TrItonv Chit 11.90% (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. 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. navytederatorgirnyer InSured by NCUA. Navy Federal Credit Union SP 001 EFTA00124749  NAVY 3 FEDERAL Credit Union Vtsa Sgnature eeroheRewards MINIMUM PAST DUE PAYMENT NEW AMOUNT ACCOUNT NUMBER PAYMENT DUE PAYMENT DUE DATE BALANCE ENCLOSED 20.00 0.00 04/08/2019 887.50 xxxx xxxx xxxx $ • PLEASE trectcATE CHANGE OF ADDRESS DE REVERSE. PLEASE MAKE CHECK PAYABLE AND Rea To: NAVY FEDERAL GLENDA ANDERSON-LAYNE tt 0046333 P.O. BOX 3500 MERRIFIELD VA 22119-3500 0088750500020008406095688774150440609568877415043 ACCOUNT NUMBER Kr2OO:OX= YeaSpate eadRewards Page 1old ACCESS NUMBER SUMMARY OF ACCOUNT ACTIVITY PAYMENT INFORMATION QUESTIONS Previous Balance $4,083.99 New Balance $887.50 Credit Card Services 1-808842.6328 Payments -$4.125.28 Minimum Payment Due $20.00 Other Credits -5175.41 Payment Due Date 04/08/2019 Send Billing Inquiries To: Purchases +$1.104.20 Late Payment Warning:If we do not receive your Navy Federal credi