Reference Number 

5884186PS0388W6YM 

0544400060ZLV72VL 

55541860705RDYD0X 

554328608008W90M0 

054830709LYMRPT4L 

854338203FS8OO0Z5 

Trans Date 

2/22 

2/24 

2/24 

2/24 

2/24 

2/25 

Post Date 

2/23 

2/25 

2/25 

2/25 

2/25 

2/25 

Description of Transaction or Credit Amount 

Store #1 $2.05 

Store #2 $12.11 

Store #3 $4.63 

Store #4 $114.95 

Store #5 $7.35 

Pymt Thank You $450.00– 

 

G-18(F) Periodic Statement Form Page 1 of 2

XXX Bank Credit Card Account Statement
 

Account Number XXXX XXXX XXXX XXXX
 

February 21, 2012 to March 22, 2012
 

Summary of Account Activity 

Previous Balance $535.07 

Payments -$450.00 

Other Credits -$13.45 

Purchases +$529.57 

Balance Transfers +$785.00 

Cash Advances +$318.00 

Past Due Amount +$0.00 

Fees Charged +$69.45 

Interest Charged +$10.89 

New Balance $1,784.53 

Credit limit $2,000.00 

Available credit $215.47 

Statement closing date 3/22/2012 

Days in billing cycle 30 

Payment Information 

New Balance $1,784.53 

Minimum Payment Due $48.00 

Payment Due Date 4/20/12 

Late Payment Warning: If we do not receive your 

minimum payment by the date listed above, you may have 

to pay a $35 late fee and your APRs may be increased up 

to the Penalty APR of 28.99%. 

Minimum Payment Warning: 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 had a balance of $1,000 at an interest rate of 17% 

and always paid only the minimum required, it would take 

over 7 years to repay this balance. For an estimate of the 

time it would take to repay your actual balance making only 

minimum payments, call 1-800-XXX-XXXX.

QUESTIONS? 

Call Customer Service 1-XXX-XXX-XXXX

Lost or Stolen Credit Card 1-XXX-XXX-XXXX 

Please send billing inquiries and correspondence to: 

PO Box XXXX, Anytown, Anystate XXXXX 

Important Changes to Your Account Terms 

The following is a summary of changes that are being made to your account terms. You have the right to opt out of these 

changes. For more detailed information, please refer to the booklet enclosed with this statement. 

These changes will impact your account as follows: 

Transactions made on or after 4/2/12: As of 5/10/12, any changes to APRs described below will apply to these 

transactions. 

Transactions made before 4/2/12: Current APRs will continue to apply to these transactions. 

If you are already being charged a higher Penalty APR for purchases: In this case, any changes to APRs described below 

will not go into effect at this time. These changes will go into effect when the Penalty APR no longer applies to your 

account. 

Revised Terms, as of 5/10/12 

APR for Purchases 16.99% 

Late Payment Fee $32 if your balance is less than or equal to $1,000; 

$39 if your balance is more than $1,000 

Transactions

(transactions continued on next page) 

NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION 

Page 1 of 2 

Please detach this portion and return with your payment to insure proper credit. Retain upper portion for your records. 

Account Number: XXXX XXXX XXXX XXXX 

New Balance $1,784.53 

Minimum Payment Due $48.00 

Payment Due Date 4/20/12 

AMOUNT ENCLOSED: $ Please indicate address change and additional 

cardholder requests on the reverse side. 

XXX Bank 

P.O. Box XXXX 

Anytown, Anystate XXXXX

llllllllllllllllllllllllllllllllllllllllllllllllllllllllllll

llllllllllllllllllllllllllllllllllllllllllllllllllllllllllll
Reference Number 

564891561545KOSHD 

841517877845AKOJIO 

895848561561894KOH 

1871556189456SAMKL 

1542202074TWWZV48 

2564894185189LKDFID 

4545754784KOHUIOS 

14547847586KDDL564 

2564561023184102315 

55542818705RASD0X 

289189194ASDS8744 

178105417841045784 

045148714518979874 

8456152156181SDSA 

31289105205648AWD 

04518478415615ASD 

0547810544898718AF 

056489413216848OP 

054894561564ASDW 

5648974891AD98156 

9525156489SFD4545Q 

56415615647OJSNDS 

84151564SADS8745H 

256489156189451516L 

Trans Date Post Date Description of Transaction or Credit 

2/25 2/26 Store #6 

2/25 2/26 Store #7 

2/26 2/27 Store #8 

2/26 2/27 Store #9 

2/26 2/26 Cash Advance 

2/27 2/28 Store #10 

2/27 3/1 Balance Transfer 

2/28 2/28 Cash Advance 

2/28 3/1 Store #11 

3/1 3/2 Store #12 

3/1 3/3 Store #13 

3/2 3/6 Store #14 

3/4 3/5 Store #13 

3/5 3/12 Store #15 

3/11 3/12 Store #16 

3/11 3/16 Store #17 

3/15 3/17 Store #18 

3/16 3/17 Store #19 

3/17 3/18 Store #20 

3/19 3/20 Store #21 

Fees 

2/23 2/23 Late Fee 

2/26 2/26 Cash Advance Fee 

2/27 2/27 Balance Transfer Fee 

2/28 2/28 Cash Advance Fee 

TOTAL FEES FOR THIS PERIOD 

Interest Charged 

Interest Charge on Purchases 

Interest Charge on Cash Advances 

TOTAL INTEREST FOR THIS PERIOD 

Amount 

$14.35 

$40.35 

$27.68 

$124.76 

$121.50 

$32.87 

$785.00 

$196.50 

$14.76 

$3.76 

$13.45 

$2.35 

$13.45– 

$25.00 

$7.34 

$10.56 

$24.50 

$8.76 

$14.23 

$23.76 

$35.00 

$5.00 

$23.55 

$5.90 

$69.45 

$6.31 

$4.58 

$10.89 

 

XXX Bank Credit Card Account Statement Page 2 of 2 
 


 


 

Account Number XXXX XXXX XXXX XXXX

February 21, 2012 to March 22, 2012

Transactions (cont.)

2012 Totals Year-to-Date 

Total fees charged in 2012 $90.14 

Total interest charged in 2012 $18.27 

Interest Charge Calculation 

Your Annual Percentage Rate (APR) is the annual interest rate on your account. 

Type of Balance Annual Percentage Rate (APR) 

Balance Subject to 

Interest Rate Interest Charge 

Purchases 14.99% (v) $512.14 $6.31 

Cash Advances 21.99% (v) $253.50 $4.58 

Balance Transfers 0.00% $637.50 $0.00 

(v) = Variable Rate