EFTA00124742.pdf
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NAVY 3
FEDERAL
Credit Union
r
MINIMUM
PAYMENT DUE
102.00
Visa Sgnature eeroheRewards
PAST DUE
PAYMENT
PAYMENT
DUE DATE
NEW
BALANCE
ACCOUNT NUMBER
AMOUNT
ENCLOSED
PLEASE MAKE CHECK PAYABLE AND Ma& TO:
NAVY FEDERAL
P.O. BOX 3500
MERRIFIELD VA 22119-3500
02/08/2019
5,099.94
xxxx xxxx xxxx
PLEASE INDICATE CHANGE OF ADDRESS ON REVERSE.
0509994000102004406095688774150440609568877415045
ACCOUNT NUMBER
ACCESS NUMBER
SUMMARY OF ACCOUNT
Previous Balance
Payments
Other Credits
Purchases
Cash Advances
Fees Charged
Interest Charged
New Balance
Past Due Amount
Credit Limit
Available Credit
Cash Limit
Available Cash
Statement Closing Date
Da s In Billi
C cie
55.099.94
$6.500.00
51,400.06
53,250.00
51,400.06
01/11/2019
31
as 0123706
Vea Swabia eaai Rewards
PAYMENT INFORMATION
New Balance
$5,099.94
Minimum Payment Due
$102.00
Payment Due Date
02/0812019
Late Payment Warning:If we do not receive your
minanum payment by the date listed above. you may
have to pay a $20.00 late fee and your APRs may be
increased up to the Penalty APR of 18.00%.
Minimum Payment Warning: If you make only the
minimum payment each period. you will pay mete in
interest and it veal take you longer to pay off your
balance. For example:
II you make no
additional charges
using the card
and each month
you Pay..
Only the rnnimum
Parnell!
You wit
b
wlatayceoll
the
shown on INS
statement n
19 years
And you will and
up paying an
eatmaled
total of...
39.266
56.084
5169
3 years
(Savings
33.182)
Pages old
QUESTIONS
Credit Card Services
1388842.6328
Send Billing Inquiries To:
Navy Federal Creek Union
P.O. Box 3601
MerrIlleid VA 22119-3501
Send Payments To:
Navy Federal
P.O. Box 3600
Menlaind VA 22119-3500
To view your account
Online yeel nsyyfilder•10.9.
II you would Ike ntomiatico about
cretin counselng seivioss. go to
htlps./hnvoijustiee.goviustilisl•
nedil.counseling-agenciss•
approved-pursuardll•utu>111
on call 1-868403-7106.
REWARDS SUMMARY
Start Balance
Earned
Bonus
-
deemed
I
Adjusted
-
-
Purged
-
Redemptions are not permitted on closed or delinquent accounts.
End Balance
$148.78
TRANSACTIONS
PAYMENTS AND CREDITS
Trans Date Post Date Reference No.
12/11/18
12/12/18
12/31/18
12/31/18
Description
Submitted By
Anoint
TRANSACTIONS
GLENDA ANDERSON-LAYNE
xxxx sox xxxx
Trans Date Post Date Reference No.
12/11/18
12/12/18
12/09/18
12/12/18
Description
Amami
Navy Federal Credit Union
SP 001
EFTA00124742
P
•
NrCU ACCOUNT NO.
RANKMATE
NAMC FIRST
•
CREDIT CARD CHANGE OF ADDRESS
VISA ACCOUNT NO.
LAST
SUFFIX,
NEW ADDRESS
Ll I Y
SIAIE
OP an
APPUCANT OR CO-APPUCANT SIGNATURE
THIS ADDRESS CHANGE IS APPLICABLE TO:
NSA ONLY
ALL APPLICANT'S NFCU ACCOUNTS
sOiNT OwNERIS)-iF NFCti SAVINGS IS A taNT Ars:CAMS
HOME TELEPHONE
MURK feltillUNe
Information About Your Visa E Account
Important Telephone Numbers For Navy Federal:9 Credit Card Services
For Credit Card Services and Lost Cards, call toll-free
1-888-842-6328
Coted intenaticoally
I-703.255.8837
For toll free numbers when overseas.
navyfederalorgiCiveneaS/
Emergency Assistance
1.600-VISA.911
Emergency Assistance (11001 overseas, call collect)
I-410.581.9994
Variable Rate Information: Your Standard APR ad vary based on the U.S. Prime Rate.
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
anoint of interest you pay. Your APR is ad)usted monthly en the first busies day ra the
moth; it is determined by addng a Margin to the U.S. Prime Rate pubished in the Wad
Street Journelen the first day of the previous month. Your Margin is a percentage amount
that we determine based on an evaluation cf your credit history.
Payments: Payments may be made by mail, electronic transfer, et at a branch in person.
NI payments must be made In U.S. &oars Payments you mail must be addressed to Navy
Federal, P.O. Box 3500, Winfield, VA 22119-3500. Payments we receive by mail at this
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
not be ccovringfred with funds designated fa credit to other Navy Federal accounts. We
will accept late a partial payments without forfeiting any of Navy Federars rights under
this Agreement Payments that are marked "paid in full' and that are of an amount less
than the balance en the credit card account, or that are marked with any other nettle/he
endorsements, should be sent to P.O. Box 3501, Hertel], VA 22119, Attn. Credit Card
Division.
Transactions Made In Foreign Cummcy: All Visa purchases and cash advances will
be tilled to you in U.S. cellars. The rate ci exchange used for processing international
transactions is a rate selected by Visa from the range of rates available in wholesale
cerrency markets fa the applicable central proceseng date, which rate may vary from the
rate Yea itself receives or the government-maniated rate In effect for the applicable
canal poymiing date.
Paying Interest Your due date is at least 25 days after the dose of each tilling cycle.
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,
and convenience dads on the transaction date.
ATM Cash Advance Fees: None d performed at a Navy Federal branch or ATM.
Otherwise $0.50 per cremes& transaction or $1.00 per overseas transaction. If you use
your card at an ATM not operated by Navy Federal, you may be chaeged an ATM fee by
the owner of the ATM.
Now We Determine The Amount Of Interest Charges: Nary Federal calculates
Interest charges do your account by applying the periodic rate to the average daily
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
and cash advances, and subtract any payments, eedits, and unpaid interest charges to
give us the daily balance. Then, we add up all ra the daily Menem for the billing cycle
and dNide the total by the number ci days In the baling cycle. This ghats us the average
daily balance. You can find your 'average daily balance' for each being cycle in the
'Balance Subject W Interest Rate' column of y0u statement.
Payment Allocation: in general, we WI apply your minimum payment to the overtime
anoint (if any), inteest, and fees first beat applying it to principal balances. If your
account has balances with different APRs, we Wit apply the Minimal, payment first to the
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)
Page 2014
Billing Rights Summary
What to Do J You Think You Find a Mistake on Your Slefernent
If you think there is an error on your statenent, write t0 us at:
Navy Fetal Credit Union
P.O. Box 3501
Merrifield, VA 22119
You may also coned us electronically through Onine Banking atnavylederal.org.
In your letter, give us the following information:
• Account untinnabon: Your Nitre and account wits
• Donor amount The dcdar emelt of the suspected error
• Description of problem: If you think there is an sloe en your till, describe what you
believe is wrong and why you believe t is a mistake.
You must contact us within 60 days after the error appeared en your statement.
You must notify us ot any potential errors in wiling or electronically. You may call us, at
s' you do, we are not requked to investigate any potential errors, and you may have to
Pay the amount in question.
1Vhde we investigate whether a not there has teen an error, the following are true:
• We cannot try to collect the anoint in question or report you as delinquent on that
Munn.
• The charge in question may remain en your statement, and we may continue to charge
you interest on that amount. But, line determine that we made a riVtake, you will not
have to pay the amount in question a any interest or other fees related to that
mount.
• Where you do not have t0 pay the amount In question, you are responsible for the
reminder of your balance.
• We can apply any unpaid null aganst your credit WO_
Your Rights at You Are Onsatisfied With Your Dredf Cord Purchases
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
have the rigM not to pay the remaining amount due en the purchase.
To use this right, all of the foaming must be Due:
1. Tel surcease must have been made n you home state a yethin 100 man of your
anent mailing address, and the purchase price must have been more than $50.
(Note Nether a these is necessary d your purchase was based on an advertisement
we mailed t0 you, or d we oval the company that sad you the goods a services.)
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
guilty.
3. You must not yet have fury paid fa the purchase.
If all of the acerb above are met and you are still dissatisfied with the purchase, contact
us in twang or electronically at:
Navy Federal Cleat Union
P.O. Box 3501
Merrifield, VA 22119
You may also contact us electsenicaIN through Online Banking atnavyfederal.org.
Wee we investigate, the same rules apply to the &puled amount as ciscussed above.
Me we finish our investigadon, we will tell you our decision. At that point, d we think
you ate an Mount and you do not pay, we may report you as delinquent.
Navy Federal Credit Union
SP 001
EFTA00124743
NAVY
FEDERAL
Credit Union
VisaSignalise ath eReWardS
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
Total Interest charged in 2019
S0.00
$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
Bal TrItonvChle
11.65%(v)
(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.
Interest Charge
50.00
50.00
CONQUER
YOUR DEBT
Achieve financial victory with a low rate
APR Balance Transfer. Just transfer your
high rate balance from another lender to
your Navy Federal Credit Card.
navyfederal org/myBT
InSUred by NCUA.
Navy Federal Credit Union
SP 001
EFTA00124745
NAVY 3
FEDERAL
Credit Union
MINIMUM
PAYMENT DUE
Vtsa Sgnature eeroheRewards
PAST DUE
PAYMENT
PAYMENT
DUE DATE
NEW
BALANCE
ACCOUNT NUMBER
AMOUNT
ENCLOSED
0.00
0.00
03/08/2019
4,083.99
PLEASE MAKE CHECK PAYABLE AND MPJL TO:
NAVY FEDERAL
P.O. BOX 3500
MERRIFIELD VA 22119-3500
xxxx xxxx xxxx
$
PLEASE NOICATE CHANGE OF ADDRESS ON REVERSE.
GLENDA ANDERSON-LAYNE
as
0046763
0408399400000000406095688774150440609568877415044
ACCOUNT NUMBER
Ma 'cox pox=
ACCESS NUMBER
SUMMARY OF ACCOUNTACTWITY
Previous Balance
$5,099.94
Payments
42.213.07
Other Credits
-$0.00
Purchases
+51.145.17
Cash Advances
+50.00
Fees Charged
+50.00
Interest Charged
+551.95
New Balance
$4.083.99
Past Due Amount
$0.00
Credit Limit
56,500.00
Available Credit
$2,416.01
Cash Limit
$3.250.00
Available Cash
$2.418.01
Statement Closing Date
02/11/2019
Days In Billing Cycle
31
YeaSwan eaai Rewards
PAYMENT INFORMATION
New Balance
$4,083.99
Minimum Payment Due
NONE
Payment Due Date
03/08/2019
Late Payment Warning:If we do not receive your
mina-num payment by the date listed above. you may
have to pay a $20.00 late fee and your APRs may be
increased up to the Penalty APR of 18.00%.
Minimum Payment Warning: If you make only the
minrnum payment each period. you will pay more in
interest and it veal take you longer to pay off your
balance. For example:
you nuke no
You wil pay al
additiOnal charges
the balance
Laing Ills card
Shawn on this
and each month
statement n
you Pay
Only the minimum
17 years
Parnell,
$135
3 years
And you wit as
up paying an
esornaled
Mid
$7.515
$4.860
(Saunas
52.665)
Page 1 old
QUESTIONS
Credit Card Services
1303842.6328
Send Billing Inquiries To:
Navy Federal Credit union
P.O. Box 3601
MerrilleM VA 22119.3501
Seed Payments To:
Navy Federal
P.O. Box 3600
MerrilleM VA 22119.3500
To view your account
online vol nayyfrideriderrg.
II you would Ike miommlice about
credit counseing ten:pos.90 to
Mtgs./ham muce.godusblist-
creddcounserintpagendes-
appreved-puirsuarthrimar>111
a call 1.868-503-7106.
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
$148.78
517.15
Bonus
$0.00
Redeemed
Adjusted
$0.00
$0.00
Purged
End Balance
$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
•
NrCU ACCOUNT NO.
RANKMATE
NAMC FIRST
•
CREDIT CARD CHANGE OF ADDRESS
VISA ACCOUNT NO.
LAST
SUFFIX,
NEW ADDRESS
Ll I Y
SIAIE
OP an
APPUCANT OR CO-APPUCANT SIGNATURE
THIS ADDRESS CHANGE IS APPLICABLE TO:
NSA ONLY
ALL APPLICANT'S NFCU ACCOUNTS
sOiNT OwNERIS)-iF NFCti SAVINGS IS A taNT Ars:CAMS
HOME TELEPHONE
MURK feltillUNe
Information About Your Visa E Account
Important Telephone Numbers For Navy Federal:9 Credit Card Services
For Credit Card Services and Lost Cards, call toll-free
1-888-842-6328
Coted intenaticoally
I-703.255.8837
For toll free numbers when overseas.
navyfederalorgiCiveneaS/
Emergency Assistance
1.600-VISA.911
Emergency Assistance (11001 overseas, call collect)
I-410.581.9994
Variable Rate Information: Your Standard APR ad vary based on the U.S. Prime Rate.
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
anoint of interest you pay. Your APR is ad)usted monthly en the first busies day ra the
moth; it is determined by addng a Margin to the U.S. Prime Rate pubished in the Wad
Street Journelen the first day of the previous month. Your Margin is a percentage amount
that we determine based on an evaluation cf your credit history.
Payments: Payments may be made by mail, electronic transfer, et at a branch in person.
NI payments must be made In U.S. &oars Payments you mail must be addressed to Navy
Federal, P.O. Box 3500, Winfield, VA 22119-3500. Payments we receive by mail at this
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
not be ccovringfred with funds designated fa credit to other Navy Federal accounts. We
will accept late a partial payments without forfeiting any of Navy Federars rights under
this Agreement Payments that are marked "paid in full' and that are of an amount less
than the balance en the credit card account, or that are marked with any other nettle/he
endorsements, should be sent to P.O. Box 3501, Hertel], VA 22119, Attn. Credit Card
Division.
Transactions Made In Foreign Cummcy: All Visa purchases and cash advances will
be tilled to you in U.S. cellars. The rate ci exchange used for processing international
transactions is a rate selected by Visa from the range of rates available in wholesale
cerrency markets fa the applicable central proceseng date, which rate may vary from the
rate Yea itself receives or the government-maniated rate In effect for the applicable
canal poymiing date.
Paying Interest Your due date is at least 25 days after the dose of each tilling cycle.
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,
and convenience dads on the transaction date.
ATM Cash Advance Fees: None d performed at a Navy Federal branch or ATM.
Otherwise $0.50 per cremes& transaction or $1.00 per overseas transaction. If you use
your card at an ATM not operated by Navy Federal, you may be chaeged an ATM fee by
the owner of the ATM.
Now We Determine The Amount Of Interest Charges: Nary Federal calculates
Interest charges do your account by applying the periodic rate to the average daily
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
and cash advances, and subtract any payments, eedits, and unpaid interest charges to
give us the daily balance. Then, we add up all ra the daily Menem for the billing cycle
and dNide the total by the number ci days In the baling cycle. This ghats us the average
daily balance. You can find your 'average daily balance' for each being cycle in the
'Balance Subject W Interest Rate' column of y0u statement.
Payment Allocation: in general, we WI apply your minimum payment to the overtime
anoint (if any), inteest, and fees first beat applying it to principal balances. If your
account has balances with different APRs, we Wit apply the Minimal, payment first to the
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)
Page 2014
Billing Rights Summary
What to Do J You Think You Find a Mistake on Your Slefernent
If you think there is an error on your statenent, write t0 us at:
Navy Fetal Credit Union
P.O. Box 3501
Merrifield, VA 22119
You may also coned us electronically through Onine Banking atnavylederal.org.
In your letter, give us the following information:
• Account untinnabon: Your Nitre and account wits
• Donor amount The dcdar emelt of the suspected error
• Description of problem: If you think there is an sloe en your till, describe what you
believe is wrong and why you believe t is a mistake.
You must contact us within 60 days after the error appeared en your statement.
You must notify us ot any potential errors in wiling or electronically. You may call us, at
s' you do, we are not requked to investigate any potential errors, and you may have to
Pay the amount in question.
1Vhde we investigate whether a not there has teen an error, the following are true:
• We cannot try to collect the anoint in question or report you as delinquent on that
Munn.
• The charge in question may remain en your statement, and we may continue to charge
you interest on that amount. But, line determine that we made a riVtake, you will not
have to pay the amount in question a any interest or other fees related to that
mount.
• Where you do not have t0 pay the amount In question, you are responsible for the
reminder of your balance.
• We can apply any unpaid null aganst your credit WO_
Your Rights at You Are Onsatisfied With Your Dredf Cord Purchases
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
have the rigM not to pay the remaining amount due en the purchase.
To use this right, all of the foaming must be Due:
1. Tel surcease must have been made n you home state a yethin 100 man of your
anent mailing address, and the purchase price must have been more than $50.
(Note Nether a these is necessary d your purchase was based on an advertisement
we mailed t0 you, or d we oval the company that sad you the goods a services.)
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
guilty.
3. You must not yet have fury paid fa the purchase.
If all of the acerb above are met and you are still dissatisfied with the purchase, contact
us in twang or electronically at:
Navy Federal Cleat Union
P.O. Box 3501
Merrifield, VA 22119
You may also contact us electsenicaIN through Online Banking atnavyfederal.org.
Wee we investigate, the same rules apply to the &puled amount as ciscussed above.
Me we finish our investigadon, we will tell you our decision. At that point, d we think
you ate an Mount and you do not pay, we may report you as delinquent.
Navy Federal Credit Union
SP 001
EFTA00124747
NAVY C
FEDERAL
Credit Union
Visa Signature adRewards
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'57 72824so2o3•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
Total Interest charged in 2019
$0.00
$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.
CONQUER
YOUR DEBT
Achieve financial victory with a low rate
APR Balance Transfer. Just transfer your
high rate balance from another lender to
your Navy Federal Credit Card.
navytederatorgirnyer
InSured by NCUA.
Navy Federal Credit Union
SP 001
EFTA00124749
NAVY 3
FEDERAL
Credit Union
MINIMUM
PAYMENT DUE
20.00
Vtsa Sgnature eeroheRewards
PAST DUE
PAYMENT
PAYMENT
DUE DATE
NEW
BALANCE
ACCOUNT NUMBER
AMOUNT
ENCLOSED
0.00
PLEASE MAKE CHECK PAYABLE AND Rea To:
NAVY FEDERAL
P.O. BOX 3500
MERRIFIELD VA 22119-3500
04/08/2019
887.50
xxxx xxxx xxxx
$
•
PLEASE trectcATE CHANGE OF ADDRESS DE REVERSE.
GLENDA ANDERSON-LAYNE
tt 0046333
0088750500020008406095688774150440609568877415043
ACCOUNT NUMBER
ACCESS NUMBER
Kr2OO:OX=
SUMMARY OF ACCOUNT ACTIVITY
Previous Balance
$4,083.99
Payments
-$4.125.28
Other Credits
-5175.41
Purchases
+$1.104.20
Cash Advances
+$0.00
Fees Charged
+$0.00
Interest Charged
+$0.00
New Balance
$887.50
Past Due Amount
$0.00
Credit Limit
$6,500.00
Available Credit
$5,612.50
Cash Limit
$3,250.00
Available Cash
$3.250.00
Statement Closing Date
03/1 1/2019
Da a In Billl
C cle
28
YeaSpate eadRewards
PAYMENT INFORMATION
New Balance
$887.50
Minimum Payment Due
$20.00
Payment Due Date
04/08/2019
Late Payment Warning:If we do not receive your
mina-num payment by the date listed above. you may
have to pay a $20.00 late fee and your APRs may be
increased up to the Penalty APR of 18.00%.
Minimum Payment Warning: If you make only the
minrnum payment each period. you will pay mare in
interest and it veal take you longer to pay off your
balance. For example:
II you make no
additOnal charges
using the card
and each mcnitt
you Pay..
Only the rnnimum
Palmy)!
$29
You
theoblalipanayce off
Shawn on the
statement n
about..
S years
3 years
And you oil and
up paying an
esornaled
Iola! of...
$1.175
$1.044
(Savings • 3131)
Page 1 old
QUESTIONS
Credit Card Services
1-808842.6328
Send Billing Inquiries To:
Navy Federal credit Union
P.O. Box 3601
Merrifield VA 22119-3501
Send Payments To:
Navy Federal
P.O. Box 3600
Merrifield VA 22119-3600
To view your account
amine vol navyfiklerld.0.2.
If you would Ike Wormaticn about
aedil counseIng services. go to
Mtgs./hews tustce.govrusblish
credil.cconseling-agendes-
approveckpursuant•11-uses.111
cc call 1-888-503-7106.
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.
REWARDS SUMMARY
Start Balance
Earned
Bonus
Redeemed
Adjusted
Purged
End Balance]
$163.93
$16.53
$0.00
$175.41
$0.00
$0.00
$5.05
Redemptions we not permitted on dosed or delinquent accounts.
TRANSACTIONS
PAYMENTS AND CREDITS
Trans Date Post Date Reference No.
Desadpdon
02/19/19
02/19/19
74060969050064440210007 NFO PAYMENT RECEIVED
02/19/19
02/19/19
74050959050063540210008 NFO PAYMENT RECEIVED
03/06/19
03/07/19
74460959066423220198319 CASH REWARDS
TOTAL PAYMENTS AND CREDITS
Submitted By
mom room=
3COM rCer (XX MI
xxmc 'cm xxxx
Arnow*
$1,000.00
$3,125.28
$175.41
$4,300.69
Navy Federal Credit Union
SP 001
EFTA00124750
P
•
NrCU ACCOUNT NO.
RANKMATE
NAMC FIRST
•
CREDIT CARD CHANGE OF ADDRESS
VISA ACCOUNT NO.
LAST
SUFFIX,
NEW ADDRESS
Ll I Y
SIAIE
OP an
APPUCANT OR CO-APPUCANT SIGNATURE
THIS ADDRESS CHANGE IS APPLICABLE TO:
NSA ONLY
ALL APPLICANT'S NFCU ACCOUNTS
sOiNT OwNERIS)-iF NFCti SAVINGS IS A taNT Ars:CAMS
HOME TELEPHONE
MURK feltillUNe
Information About Your Visa E Account
Important Telephone Numbers For Navy Federal:9 Credit Card Services
For Credit Card Services and Lost Cards, call toll-free
1-888-842-6328
Coted intenaticoally
I-703.255.8837
For toll free numbers when overseas.
navyfederalorgiCiveneaS/
Emergency Assistance
1.600-VISA.911
Emergency Assistance (11001 overseas, call collect)
I-410.581.9994
Variable Rate Information: Your Standard APR ad vary based on the U.S. Prime Rate.
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
anoint of interest you pay. Your APR is ad)usted monthly en the first busies day ra the
moth; it is determined by addng a Margin to the U.S. Prime Rate pubished in the Wad
Street Journelen the first day of the previous month. Your Margin is a percentage amount
that we determine based on an evaluation cf your credit history.
Payments: Payments may be made by mail, electronic transfer, et at a branch in person.
NI payments must be made In U.S. &oars Payments you mail must be addressed to Navy
Federal, P.O. Box 3500, Winfield, VA 22119-3500. Payments we receive by mail at this
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
not be ccovringfred with funds designated fa credit to other Navy Federal accounts. We
will accept late a partial payments without forfeiting any of Navy Federars rights under
this Agreement Payments that are marked "paid in full' and that are of an amount less
than the balance en the credit card account, or that are marked with any other nettle/he
endorsements, should be sent to P.O. Box 3501, Hertel], VA 22119, Attn. Credit Card
Division.
Transactions Made In Foreign Cummcy: All Visa purchases and cash advances will
be tilled to you in U.S. cellars. The rate ci exchange used for processing international
transactions is a rate selected by Visa from the range of rates available in wholesale
cerrency markets fa the applicable central proceseng date, which rate may vary from the
rate Yea itself receives or the government-maniated rate In effect for the applicable
canal poymiing date.
Paying Interest Your due date is at least 25 days after the dose of each tilling cycle.
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,
and convenience dads on the transaction date.
ATM Cash Advance Fees: None d performed at a Navy Federal branch or ATM.
Otherwise $0.50 per cremes& transaction or $1.00 per overseas transaction. If you use
your card at an ATM not operated by Navy Federal, you may be chaeged an ATM fee by
the owner of the ATM.
Now We Determine The Amount Of Interest Charges: Nary Federal calculates
Interest charges do your account by applying the periodic rate to the average daily
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
and cash advances, and subtract any payments, eedits, and unpaid interest charges to
give us the daily balance. Then, we add up all ra the daily Menem for the billing cycle
and dNide the total by the number ci days In the baling cycle. This ghats us the average
daily balance. You can find your 'average daily balance' for each being cycle in the
'Balance Subject W Interest Rate' column of y0u statement.
Payment Allocation: in general, we WI apply your minimum payment to the overtime
anoint (if any), inteest, and fees first beat applying it to principal balances. If your
account has balances with different APRs, we Wit apply the Minimal, payment first to the
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)
Page 2014
Billing Rights Summary
What to Do J You Think You Find a Mistake on Your Slefernent
If you think there is an error on your statenent, write t0 us at:
Navy Fetal Credit Union
P.O. Box 3501
Merrifield, VA 22119
You may also coned us electronically through Onine Banking atnavylederal.org.
In your letter, give us the following information:
• Account untinnabon: Your Nitre and account wits
• Donor amount The dcdar emelt of the suspected error
• Description of problem: If you think there is an sloe en your till, describe what you
believe is wrong and why you believe t is a mistake.
You must contact us within 60 days after the error appeared en your statement.
You must notify us ot any potential errors in wiling or electronically. You may call us, at
s' you do, we are not requked to investigate any potential errors, and you may have to
Pay the amount in question.
1Vhde we investigate whether a not there has teen an error, the following are true:
• We cannot try to collect the anoint in question or report you as delinquent on that
Munn.
• The charge in question may remain en your statement, and we may continue to charge
you interest on that amount. But, line determine that we made a riVtake, you will not
have to pay the amount in question a any interest or other fees related to that
mount.
• Where you do not have t0 pay the amount In question, you are responsible for the
reminder of your balance.
• We can apply any unpaid null aganst your credit WO_
Your Rights at You Are Onsatisfied With Your Dredf Cord Purchases
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
have the rigM not to pay the remaining amount due en the purchase.
To use this right, all of the foaming must be Due:
1. Tel surcease must have been made n you home state a yethin 100 man of your
anent mailing address, and the purchase price must have been more than $50.
(Note Nether a these is necessary d your purchase was based on an advertisement
we mailed t0 you, or d we oval the company that sad you the goods a services.)
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
guilty.
3. You must not yet have fury paid fa the purchase.
If all of the acerb above are met and you are still dissatisfied with the purchase, contact
us in twang or electronically at:
Navy Federal Cleat Union
P.O. Box 3501
Merrifield, VA 22119
You may also contact us electsenicaIN through Online Banking atnavyfederal.org.
Wee we investigate, the same rules apply to the &puled amount as ciscussed above.
Me we finish our investigadon, we will tell you our decision. At that point, d we think
you ate an Mount and you do not pay, we may report you as delinquent.
Navy Federal Credit Union
SP 001
EFTA00124751
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6itaa0
61/9Z/Z0
6i/W20
61/EZ/Z0
6i/W20
61/EZ/Z0
6i/W20
61/EZ/Z0
6i/W20
61/EZ/Z0
6i/WIZO
61/ZZ/Z0
6i/WZO
61/1Z/Z0
6i/WZO
61/1Z/Z0
6i/WZO
61/1Z/Z0
6i/WZO
61/1Z/Z0
6i/WZO
61/1Z/Z0
6in MO
61/0Z/Z0
6in MO
61/0Z/Z0
61n Z20
61/0Z/Z0
61n Z20
61/0Z/Z0
61/6120
61/81/Z0
61/6120
61/81/Z0
61/9120
61/LL/Z0
61/9120
61/91/Z0
61/9120
61/91/Z0
61/9120
61/91/Z0
61/9120
61/91/Z0
612120
61n UM
612120
61n UM
612120
61/11/Z0
612120
61n UM
oolldPosoCI
•oN eoutuejed flua Pod Joga suhl
ffl
xxxx xxxx xxxx
3NAV1-NOSN3ONVVON319
SNOLLOVSNVal
uopn l!PaO
ltfil3CI3d
AMN
EFTA00124752
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
Purchases
11.90% (v)
$0.00
Cash AO/aloes
13.90% (v)
$0.00
Bel TrliCaw Chic'
11.90%(v)
$0.00
(v) = Variable Rate
• Bal 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.
Interest Charge
$0.00
$0.00
$0.00
Planning a summer
vacation?
Use your Navy Federal
Credit Card to book with
Member Deals and get
extra perks:
• Earn up to 15X bonus points or 15% cash back
• Take advantage of exclusive special offers
• Search many popular travel sites
Visit navyfederal.org/shop for more information.
Federally insured by NCUA.
Navy Federal Credit Union
SP 001
EFTA00124753
NAVY 3
FEDERAL
Credit Union
MINIMUM
PAYMENT DUE
Visa Sgnature eeroheRewards
PAST DUE
PAYMENT
PAYMENT
DUE DATE
NEW
BALANCE
ACCOUNT NUMBER
AMOUNT
ENCLOSED
0.00
0.00
05/08/2019
5,871.73
PLEASE MAKE CHECK PAYABLE AND MAIL TO:
NAVY FEDERAL
P.O. BOX 3500
MERRIFIELD VA 22119-3500
xxxx xxxx xxxx
$
•
PLEASE WINGATE CHANGE OF ADDRESS ON REVERSE.
GLENDA ANDERSON-LAYNE
aa
0046062
XX XX XX XXXXXXXXXXX XX XX XX XX XXXXXXXXXXX XX XX XX XX XXXXX
ACCOUNT NUMBER
NACX KTIOOALVX=
ACCESS NUMBER
SUMMARY OF ACCOUNT ACTP/ITY
Previous Balance
$887.50
Payments
-$2.143.47
Other Credits
-5138.31
Purchases
+$7.286.01
Cash Advances
+$0.00
Fees Charged
+50.00
Interest Charged
+50.00
New Balance
$5,871.73
Past Due Amount
$0.00
Credit Limit
58.500.00
Available Credit
$628.27
Cash Limit
53,250.00
Available Cash
$628.27
Statement Closing Date
04/11/2019
Days In Billing Cycle
31
YeaSpan eaai Rewards
PAYMENT INFORMATION
New Balance
$5,871.73
Minimum Payment Due
NONE
Payment Due Date
05108/2019
Late Payment Warning:If we do not receive your
mina-num payment by the date listed above. you may
have to pay a $20.00 late fee and your APRs may be
increased up to the Penalty APR of 18.00%.
Minimum Payment Warning: If you make only the
minrnum payment each period. you will pay more in
interest and it veal take you longer to pay off your
balance. For example:
if you make no
addax:nal charges
using the card
and each month
you 11011
Only the rnnimum
payment
Yothuewbialipanayceoll
up paying as
And you will end
shown on this
enmaled
statement rt
total of...
about..
20 yews
511.073
57.020
5195
3 years
(Ssengs
54.053)
RAN 1 old
QUESTIONS
Credit Card Services
1383842.6328
Send Billing Inquiries To:
Navy Federal Credit Union
P.O. Box 3601
Ilettilleid VA 22119.3501
Stead Payments To:
Navy Federal
P.O. Box 3600
mordant VA 22119.3500
To view your account
online viint navyfederill.0.11.
If you would Ike Iniormaticn about
credit counselng ten/ices. go to
haps./1*Avoimstce.goviusblis6
eredikcounsellog-agenoes•
approved. pun suantl t Nsal11
or call 1-868-503-7106.
REWARDS SUMMARY
Start Balance
Earned
Bonus
Redeemed
Adjusted
55.05
5108.13
I
50.00
i
$84.99
,
$0.00
Purged
$0.00
End Balance
$28.19
Redemptions we not permlffed on closed or delinquent accounts.
TRANSACTIONS
PAYMENTS AND CREDITS
Trans Date Post Date Reference No.
Description
74050969074087460310005 NFO PAYMENT RECEIVED
74692161079100554576901 GROUPON INC
GROUPON.COM IL
74692169079100554580030 GROUPON INC
GROUPON.COM IL
74892169080100072583513 GROUPON INC
GROUPON.COM IL
74460969085423220205625 CASH REWARDS
74060969085062440320007 NFO PAYMENT RECEIVED
74060555055063340320046 NFO PAYMENT RECEIVED
TOTAL PAYMENTS AND CREDITS
03/15/19
03/15/19
03/20/19
03/21/19
03/20/19
03/21/19
03/21/19
03/22/19
03/25119
03/26/19
03/26/19
03/26/19
03/26/19
03/26/19
Amount
51.143.47
$18.50
$17.41
$17.41
$84.99
$500.00
$500.00
$2,281.76
Navy Federal Credit Union
SP 001
EFTA00124754
P
•
NrCU ACCOUNT NO.
RANKMATE
NAMC FIRST
•
CREDIT CARD CHANGE OF ADDRESS
VISA ACCOUNT NO.
LAST
SUFFIX,
NEW ADDRESS
Ll I Y
SIAIE
OP an
APPUCANT OR CO-APPUCANT SIGNATURE
THIS ADDRESS CHANGE IS APPLICABLE TO:
NSA ONLY
ALL APPLICANT'S NFCU ACCOUNTS
sOiNT OwNERIS)-iF NFCti SAVINGS IS A taNT Ars:CAMS
HOME TELEPHONE
MURK feltillUNe
Information About Your Visa E Account
Important Telephone Numbers For Navy Federal:9 Credit Card Services
For Credit Card Services and Lost Cards, call toll-free
1-888-842-6328
Coted intenaticoally
I-703.255.8837
For toll free numbers when overseas.
navyfederalorgiCiveneaS/
Emergency Assistance
1.600-VISA.911
Emergency Assistance (11001 overseas, call collect)
I-410.581.9994
Variable Rate Information: Your Standard APR ad vary based on the U.S. Prime Rate.
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
anoint of interest you pay. Your APR is ad)usted monthly en the first busies day ra the
moth; it is determined by addng a Margin to the U.S. Prime Rate pubished in the Wad
Street Journelen the first day of the previous month. Your Margin is a percentage amount
that we determine based on an evaluation cf your credit history.
Payments: Payments may be made by mail, electronic transfer, et at a branch in person.
NI payments must be made In U.S. &oars Payments you mail must be addressed to Navy
Federal, P.O. Box 3500, Winfield, VA 22119-3500. Payments we receive by mail at this
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
not be ccovringfred with funds designated fa credit to other Navy Federal accounts. We
will accept late a partial payments without forfeiting any of Navy Federars rights under
this Agreement Payments that are marked "paid in full' and that are of an amount less
than the balance en the credit card account, or that are marked with any other nettle/he
endorsements, should be sent to P.O. Box 3501, Hertel], VA 22119, Attn. Credit Card
Division.
Transactions Made In Foreign Cummcy: All Visa purchases and cash advances will
be tilled to you in U.S. cellars. The rate ci exchange used for processing international
transactions is a rate selected by Visa from the range of rates available in wholesale
cerrency markets fa the applicable central proceseng date, which rate may vary from the
rate Yea itself receives or the government-maniated rate In effect for the applicable
canal poymiing date.
Paying Interest Your due date is at least 25 days after the dose of each tilling cycle.
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,
and convenience dads on the transaction date.
ATM Cash Advance Fees: None d performed at a Navy Federal branch or ATM.
Otherwise $0.50 per cremes& transaction or $1.00 per overseas transaction. If you use
your card at an ATM not operated by Navy Federal, you may be chaeged an ATM fee by
the owner of the ATM.
Now We Determine The Amount Of Interest Charges: Nary Federal calculates
Interest charges do your account by applying the periodic rate to the average daily
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
and cash advances, and subtract any payments, eedits, and unpaid interest charges to
give us the daily balance. Then, we add up all ra the daily Menem for the billing cycle
and dNide the total by the number ci days In the baling cycle. This ghats us the average
daily balance. You can find your 'average daily balance' for each being cycle in the
'Balance Subject W Interest Rate' column of y0u statement.
Payment Allocation: in general, we WI apply your minimum payment to the overtime
anoint (if any), inteest, and fees first beat applying it to principal balances. If your
account has balances with different APRs, we Wit apply the Minimal, payment first to the
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)
Page 2014
Billing Rights Summary
What to Do J You Think You Find a Mistake on Your Slefernent
If you think there is an error on your statenent, write t0 us at:
Navy Fetal Credit Union
P.O. Box 3501
Merrifield, VA 22119
You may also coned us electronically through Onine Banking atnavylederal.org.
In your letter, give us the following information:
• Account untinnabon: Your Nitre and account wits
• Donor amount The dcdar emelt of the suspected error
• Description of problem: If you think there is an sloe en your till, describe what you
believe is wrong and why you believe t is a mistake.
You must contact us within 60 days after the error appeared en your statement.
You must notify us ot any potential errors in wiling or electronically. You may call us, at
s' you do, we are not requked to investigate any potential errors, and you may have to
Pay the amount in question.
1Vhde we investigate whether a not there has teen an error, the following are true:
• We cannot try to collect the anoint in question or report you as delinquent on that
Munn.
• The charge in question may remain en your statement, and we may continue to charge
you interest on that amount. But, line determine that we made a riVtake, you will not
have to pay the amount in question a any interest or other fees related to that
mount.
• Where you do not have t0 pay the amount In question, you are responsible for the
reminder of your balance.
• We can apply any unpaid null aganst your credit WO_
Your Rights at You Are Onsatisfied With Your Dredf Cord Purchases
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
have the rigM not to pay the remaining amount due en the purchase.
To use this right, all of the foaming must be Due:
1. Tel surcease must have been made n you home state a yethin 100 man of your
anent mailing address, and the purchase price must have been more than $50.
(Note Nether a these is necessary d your purchase was based on an advertisement
we mailed t0 you, or d we oval the company that sad you the goods a services.)
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
guilty.
3. You must not yet have fury paid fa the purchase.
If all of the acerb above are met and you are still dissatisfied with the purchase, contact
us in twang or electronically at:
Navy Federal Cleat Union
P.O. Box 3501
Merrifield, VA 22119
You may also contact us electsenicaIN through Online Banking atnavyfederal.org.
Wee we investigate, the same rules apply to the &puled amount as ciscussed above.
Me we finish our investigadon, we will tell you our decision. At that point, d we think
you ate an Mount and you do not pay, we may report you as delinquent.
Navy Federal Credit Union
SP 001
EFTA00124755
NAVY C
FEDERAL
Credit Union
Visa Signature e;7skeRevvardS
in pear 3.i.
TRANSACTIONS
GLENDA ANDERSON-LAYNE
Trans Date Post Date
xxxx xxxx xxxx
Reference No.
Description
Amount
03/13/19
03/14/19
24692169072100036761044 AMZN Mktp US*MW3EK9ZEI Amzn.ccmfbillWA
S34.98
03/13/19
03/14/19
24692169072100143548320 AMZN Mktp US*MWOOLON6I Amzn.ccmfbillWA
$13.93
03/13/19
03/14/19
24692169072100198987304 WALMART.COM
800-966-6546 AR
S72.87
03/13/19
03/14/19
24906419072069728381604 HSN'HSN1556820495 40F6 800-9332887 FL
$6.90
03/13/19
03/14/19
24906419072069731431198 HSN'HSN1556820492 40F6 800-9332887 FL
$6.90
03/13/19
03/14/19
24692169072100315222403 AMZN Mktp US*MWONA2ND I Amzn.ccentbillWA
S38.99
03/13/19
03/14/19
24692169072100352406471 AMZN Mktp US*MW55A53P1 Amm.conVNIIWA
S30.30
03/13/19
03/14/19
24906419072069732975235 HSN'HSN1576110912 IOF3 800-9332887 FL
$34.11
03/13/19
03/14/19
24906419072069733093905 HSWHSN1547150582 50F5 800-9332887 FL
$16.99
03/15/19
03/18/19
24906419074069834773445 HSWHSN1576674991 I0F3 800-9332887 FL
$40.27
03/18/19
03/19/19
24906419077069989718774 HSN'HSN1564848547 30F6 800-9332887 FL
56.83
03/18/19
03/19/19
24906419077069993556604 HSN'HSN1564849506 30F6 800-9332887 FL
56.83
03/18/19
03/19/19
24906419077069993559617 HSN'HSN1564848527 30F6 800-9332887 FL
56.83
03/18/19
03/19/19
24906419077069992893065 HSN'HSN1564849507 30F6 800-9332887 FL
56.83
03/20/19
03/21/19
24692169079100300439254 OVC*577053471201•40F6 800-367-9444 PA
S7.62
03/20/19
03/21/19
24906419079070103365660 HSWHSN1548827625 50F6 800-9332887 FL
$54.99
03/19/19
03/21/19
24707809079030038759893 Tuly Rinckey PLLC
518-218-7100 NY
65.000.00
03/23/19
03/25/19
24692169082100081051648 OVC*575715176801'50F6 800-367-9444 PA
S7.62
03/24/19
03/25/19
24692169083100658316561 OVC*575782270801'50F6 800-367-9444 PA
$11.23
03/24/19
03/25/19
24692169063100658316579 OVC*577282450202'40F6 800-367-9444 PA
58.88
03/24/19
03/25/19
24692169063100658316587 OVC*577282450203'40F6 800-367-9444 PA
58.88
03/24/19
03/25/19
24692169063100658316695 OVC*577282450201•40F6 800-367-9444 PA
$130.64
03/24/19
03/25/19
24692189063100658316603 OVC*575782129901•50F5 800-367-9444 PA
$527
03/24/19
03/25/19
24492159083837042782332 SP • WOODEN SHIPS
HTTPSWOODENSHNY
$303.00
03/24/19
03/25/19
24445009063300419327703 IMPORTFOOD COM
425-687-1708 ID
$122.43
03/24/19
0125/19
24445009084600040218083 HAUTLK RACK8885478438 888-547-8438 CA
$112.18
03/25/19
03/26/19
24692169084100197338554 OVC•575715176701•50F6 800-367-9444 PA
57.62
03/26/19
03/27/19
24692169085100624958314 OVC•575782129903'50F5 800-367-9444 PA
S5.87
03/26/19
03/27/19
24692169085100624958322 OVC*579078338501•20F2 800-367-9444 PA
$20.12
03/26/19
03/27/19
24692189085100824956330 OVC•575782129902'50F5 800-367-9444 PA
S720
03/26/19
03/27/19
24445009086600049207853 HAUTLK RACK8885478438 888-547-8438 CA
$244.88
03/26/19
03/27/19
24138299088288421909381 BED BATH & BEYOND #651 973-785-4333 NJ
$77.21
03/28/19
04/01/19
24492159088894589236391 PURE INDIAN FOODS
877-588-4433 NJ
S55.70
04101/19
04/02/19
24483479091277255874949 IHERB.COM
195-161636001CA
$42.77
04101/19
04/02/19
24204299091275152764833 IHERB.COM
195-16163600 CA
$45.60
04102/19
04/03/19
24692169092100987544239 OVC•576190265505•50F6 800-367-9444 PA
$12.20
04102/19
04/03/19
24692169092100987544247 OVC•576293400902•50F5 800-367-9444 PA
$11.96
04102/19
04/03/19
24692169092100987544254 OVC*576190265501•50F6 800-367-9444 PA
$12.40
04102/19
04/03/19
24692169092100987544262 OVC•576190265504•50F6 800-367-9444 PA
$12.20
04102/19
04/03/19
24692169092100987544270 OVC*576190265502•50F6 800-367-9444 PA
$12.40
04102/19
04/03/19
24692169092100987544288 OVC*576190265503•50F6 800-367-9444 PA
$12.20
04103/19
04/04/19
24692169093100587144389 OVC*576293400901•50F5 800-367-9444 PA
$11.96
04104/19
04/05/19
24559309094900013552278 KOKOON. INC. DBA INHABIT 212-5753800 NY
$195.17
04107/19
04/08/19
24906419097071088927894 Evme •136759268.VP
800-6765523 MN
$23.31
04108/19
04/09/19
24692169098100584032439 NETFLIX.COM
NETFLIX.COM CA
$10.99
04108/19
04/09/19
24906419098071137216439 HLU'Hulu 956791386571-U HULU.COM/BILLCA
S5.99
04109/19
04/10/19
24055239099083318848975 WALMART.COM 8009666546 800-966-6546 AR
S39.58
04/10/19
04/10/19
24431069100083037097804 TARGET.COM •
800-591-3869 MN
S25.22
04/10/19
04/11/19
24692169100100785921807 OVC*576648875501•50F6 800-367-9444 PA
$13.06
04/11/19
04/11/19
24431069101083038896528 TARGET.COM •
800-591-3869 MN
S427
04/11/19
04/11/19
24431069101083040724120 TARGET.COM •
800-591-3869 MN
S33.15
04/10/19
04/11/19
74313229100100778375013 AMZ*Damel Footwear
amzn.conVp-nts
$226.68
Navy Federal Credit Union
SP 001
EFTA00124756
P
visa Sgnature as/Rewards
pn,4d.
TRANSACTIONS
•
FOREIGN CURRENCY
172.75 GBP
RATE 0.76209
TOTAL New Activity for GLENDA ANDERSON-LAYNE
S7.266.01
2019 TOTALS YEAR-TO-DATE
Total Fees charged in 2019
Total Interest charged m 2019
53.00
$97 12
INTEREST CHARGE
Your Annual Percentage
CALCULATION
Rate (APR) Is the annual Interest rate on your account.
Annual Percentage Rate
Balance Subject to
Type of Balance
(APR)
Interest Rate
Interest Charge
Purchases
11.90% (v)
$0.00
$0.00
Cash Ad/aloes
13.90%(v)
$0.00
$0.00
Bal TrlitawChle
(v) = Variable Rate
11.90%(v)
$0.00
$0.00
• Bat Trf/Cony 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 hill.
Navy Federal Credit Union
SP 001
EFTA00124757
NAVY 3
FEDERAL
Credit Union
MINIMUM
PAYMENT DUE
Vtsa Sgnature eeroheRewards
PAST DUE
PAYMENT
PAYMENT
I
NEW
DUE DATE
BALANCE
ACCOUNT NUMBER
AMOUNT
ENCLOSED
21.00
0.00
06/08/2019
1,006.34
PLEASE MAKE CHECK PAYABLE AND MNL TO:
NAVY FEDERAL
P.O. BOX 3500
MERRIFIELD VA 22119-3500
xxxx xxxx xxxx
$
•
PLEASE INDICATE CHANGE OF ADDRESS ON REVERSE.
GLENDA ANDERSON-LAYNE
•• 0119970
XX XX XX X X X X X X X X X X X XX XX XX XX X X X X X X X X X X X XX XX XX XX X X X X X
ACCOUNT NUMBER
ACCESS NUMBER
KOOOPOIX=
SUMMARY OF ACCOUNTACTT/17Y
Previous Balance
$5.871.73
Payments
47.301 73
Other Credits
446.97
Purchases
+52.483.31
Cash Advances
+$0.00
Fees Charged
+$0.00
Interest Charged
+$0.00
New Balance
$1.006.34
Past Due Amount
S0.00
Over Limit Amount
$0.00
Credit Limit
56,500.00
Available Credit
$5,493.66
Cash Limit
$3,250.00
Available Cash
$3,250.00
Statement Closing Date
05/11/2019
Da s In Billi
C cle
30
Vea Spate eaai Rewards
PAYMENT INFORMATION
New Balance
51,006.34
Minimum Payment Due
$21.00
Payment Due Date
08/0812019
Late Payment Warning:If we do not receive your
mina-num payment by the date listed above. you may
have to pay a $20.00 late fee and your APRs may be
increased up to the Penalty APR of 18.00%.
Minimum Payment Warning: If you make only the
minimum payment each period. you will pay more in
interest and it veal take you longer to pay off your
balance. For example:
you make no
additional chargers
Wing the card
andeach month
you Pay
Only the rnnimum
Payment
533
You
thewblatipanayceolf
Shawn on this
statement ri
6 yews
And you will end
up paying an
estrnaled
Iola/ of...
51.399
51.188
3 yews
(Savings • $211)
REWARDS SUMMARY
Start Balance
Earned
$28.19
Bonus
$36.50
$0.00
Redeemed
$0.00
Adjusted
$0.00
Page 1014
QUESTIONS
Credit Card Services
1303842.6328
Send Billing Inquiries To:
Navy Federal credit union
P.O. Box 3601
Metalloid VA 22119-3501
Send Payments To:
Navy Federal
P.O. Box 1507
PAerriaind VA 22119-3500
To view your account
online
you xould Ike Intomiatico about
credit counselng services. go to
MIpsllw.wjustiee.gov/usblist•
etedil.counseling-agencies.
Opproved-putsuardr11.us.,111
Cr call 1-886-503-7106.
Purged
End Balance
$0.00
S64.69
Redemptions we not permitted an dosed or delinquent accounts.
TRANSACTIONS
PAYMENTS AND CREDITS
Trans Date Post Date Reference No.
Description
Submitted By
Amount
04/15/19
04/15/19
74[609691050680504100[0 NFO PAYMENT RECEIVED
x:ocic max uxx
$871.73
04/21/19
04/22/19
74[60969112063020420008 NFO PAYMENT RECEIVED
Lox max xxxx
$330.00
04/21/19
04/22/19
74[60969112068130420004 NFO PAYMENT RECEIVED
Lox max xxxx
$100.00
04/26/19
04/26/19
74000969116800000007362 PAYMENT RECEIVED —THANK
Loa nxx max
$6.000.00
YOU
04/29/19
04/30/19
74313229119100807727035 AMZ*Daniel Footwear
amzn.com/pmts
Lox =coma=
$46.97
TOTAL PAYMENTS AND CREDITS
$7,348.70
Navy Federal Credit Union
SP 001
EFTA00124758
P
•
NrCU ACCOUNT NO.
RANKMATE
NAMC FIRST
•
CREDIT CARD CHANGE OF ADDRESS
VISA ACCOUNT NO.
LAST
SUFFIX,
NEW ADDRESS
Ll I Y
SIAIE
OP an
APPUCANT OR CO-APPUCANT SIGNATURE
THIS ADDRESS CHANGE IS APPLICABLE TO:
NSA ONLY
ALL APPLICANT'S NFCU ACCOUNTS
sOiNT OwNERIS)-iF NFCti SAVINGS IS A taNT Ars:CAMS
HOME TELEPHONE
MURK feltillUNe
Information About Your Visa E Account
Important Telephone Numbers For Navy Federal:9 Credit Card Services
For Credit Card Services and Lost Cards, call toll-free
1-888-842-6328
Coted intenaticoally
I-703.255.8837
For toll free numbers when overseas.
navyfederalorgiCiveneaS/
Emergency Assistance
1.600-VISA.911
Emergency Assistance (11001 overseas, call collect)
I-410.581.9994
Variable Rate Information: Your Standard APR ad vary based on the U.S. Prime Rate.
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
anoint of interest you pay. Your APR is ad)usted monthly en the first busies day ra the
moth; it is determined by addng a Margin to the U.S. Prime Rate pubished in the Wad
Street Journelen the first day of the previous month. Your Margin is a percentage amount
that we determine based on an evaluation cf your credit history.
Payments: Payments may be made by mail, electronic transfer, et at a branch in person.
NI payments must be made In U.S. &oars Payments you mail must be addressed to Navy
Federal, P.O. Box 3500, Winfield, VA 22119-3500. Payments we receive by mail at this
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
not be ccovringfred with funds designated fa credit to other Navy Federal accounts. We
will accept late a partial payments without forfeiting any of Navy Federars rights under
this Agreement Payments that are marked "paid in full' and that are of an amount less
than the balance en the credit card account, or that are marked with any other nettle/he
endorsements, should be sent to P.O. Box 3501, Hertel], VA 22119, Attn. Credit Card
Division.
Transactions Made In Foreign Cummcy: All Visa purchases and cash advances will
be tilled to you in U.S. cellars. The rate ci exchange used for processing international
transactions is a rate selected by Visa from the range of rates available in wholesale
cerrency markets fa the applicable central proceseng date, which rate may vary from the
rate Yea itself receives or the government-maniated rate In effect for the applicable
canal poymiing date.
Paying Interest Your due date is at least 25 days after the dose of each tilling cycle.
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,
and convenience dads on the transaction date.
ATM Cash Advance Fees: None d performed at a Navy Federal branch or ATM.
Otherwise $0.50 per cremes& transaction or $1.00 per overseas transaction. If you use
your card at an ATM not operated by Navy Federal, you may be chaeged an ATM fee by
the owner of the ATM.
Now We Determine The Amount Of Interest Charges: Nary Federal calculates
Interest charges do your account by applying the periodic rate to the average daily
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
and cash advances, and subtract any payments, eedits, and unpaid interest charges to
give us the daily balance. Then, we add up all ra the daily Menem for the billing cycle
and dNide the total by the number ci days In the baling cycle. This ghats us the average
daily balance. You can find your 'average daily balance' for each being cycle in the
'Balance Subject W Interest Rate' column of y0u statement.
Payment Allocation: in general, we WI apply your minimum payment to the overtime
anoint (if any), inteest, and fees first beat applying it to principal balances. If your
account has balances with different APRs, we Wit apply the Minimal, payment first to the
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)
Page 2014
Billing Rights Summary
What to Do J You Think You Find a Mistake on Your Slefernent
If you think there is an error on your statenent, write t0 us at:
Navy Fetal Credit Union
P.O. Box 3501
Merrifield, VA 22119
You may also coned us electronically through Onine Banking atnavylederal.org.
In your letter, give us the following information:
• Account untinnabon: Your Nitre and account wits
• Donor amount The dcdar emelt of the suspected error
• Description of problem: If you think there is an sloe en your till, describe what you
believe is wrong and why you believe t is a mistake.
You must contact us within 60 days after the error appeared en your statement.
You must notify us ot any potential errors in wiling or electronically. You may call us, at
s' you do, we are not requked to investigate any potential errors, and you may have to
Pay the amount in question.
1Vhde we investigate whether a not there has teen an error, the following are true:
• We cannot try to collect the anoint in question or report you as delinquent on that
Munn.
• The charge in question may remain en your statement, and we may continue to charge
you interest on that amount. But, line determine that we made a riVtake, you will not
have to pay the amount in question a any interest or other fees related to that
mount.
• Where you do not have t0 pay the amount In question, you are responsible for the
reminder of your balance.
• We can apply any unpaid null aganst your credit WO_
Your Rights at You Are Onsatisfied With Your Dredf Cord Purchases
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
have the rigM not to pay the remaining amount due en the purchase.
To use this right, all of the foaming must be Due:
1. Tel surcease must have been made n you home state a yethin 100 man of your
anent mailing address, and the purchase price must have been more than $50.
(Note Nether a these is necessary d your purchase was based on an advertisement
we mailed t0 you, or d we oval the company that sad you the goods a services.)
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
guilty.
3. You must not yet have fury paid fa the purchase.
If all of the acerb above are met and you are still dissatisfied with the purchase, contact
us in twang or electronically at:
Navy Federal Cleat Union
P.O. Box 3501
Merrifield, VA 22119
You may also contact us electsenicaIN through Online Banking atnavyfederal.org.
Wee we investigate, the same rules apply to the &puled amount as ciscussed above.
Me we finish our investigadon, we will tell you our decision. At that point, d we think
you ate an Mount and you do not pay, we may report you as delinquent.
Navy Federal Credit Union
SP 001
EFTA00124759
NAVY
FEDERAL
Credit Union
WaSignatue eart/Rewards
Para of 4
TRANSACTIONS
GLENDA ANDERSON-LAYNE
xxcx tan mac MI
Amount
Trans Date Post Date Reference No.
Description
04712719
04/15/19
24906419102071348029872 HSWHSN1556820492 50F6 800-9332887 FL
S6.90
04712/19
04/15/19
24906419102071350465438 HSWHSN1556820495 50F6 800-9332887 FL
S6.90
04712/19
04/15/19
24906419102071351036590 HSICHSN1576110912 20F3 800-9332887 FL
$23.33
04714/19
04/15/19
24906419104071444898865 HSWHSN1576674991 20F3 800-9332887 FL
$26.65
04716/19
04/17/19
24692169106100575800815
EXPEDIAAFtP 111778759576 800-675-4318 WA
$884.04
04717/19
04/18/19
24906419107071608734604 HSICHSN1564849507 40F6 800-9332887 FL
56.83
04717/19
04/18/19
24906419107071607334349 HSICHSN1564849506 40F6 800-9332887 FL
56.83
04717/19
04/18/19
24906419107071607445970 HSICHSN1564848527 40F6 800-9332887 FL
56.83
04717/19
04/18/19
24906419107071605062512 HSICHSN1564848547 40F6 800-9332887 FL
S6.83
04718/19
04/19/19
24906419108071690385104 HSICHSN1583152421
800-9332887 FL
$42.79
04/18/19
04/19/19
24906419108071650385013 HSICHSN1583152419
800-9332887 FL
$42.79
04718/19
04/19/19
24906419108071650978221 HSICHSN1583152420
800-9332887 FL
$42.79
04/19719
04/22/19
24906419109071715003321 HSWHSN1548827625 60F6 800-9332887 FL
$54.99
04720/19
04/22/19
24692169110100730865039 OVC*577053471201'50F6 800-367-9444 PA
S7.62
04720/19
04/22/19
24240529110602171375304
HEALTHY GOODS
541-203-4402 OR
$104.32
04720/19
04/22/19
24431059110207880377202 D'ARTAGNAN - ECOMM
800-327-8426 NJ
$144.82
04723/19
04/24/19
24692169113100315010601 OVC*575715176801'60F6 800-367-9444 PA
S7.62
04723/19
04/24/19
24492159113637386591244 SP • GINGERCHI
GINGERCHI.MYSNY
S79.10
04724/19
04/25/19
24692169114100872914749 OVC*577282450201'50F6 800-367-9444 PA
$130.64
04724/19
04/25/19
24692169114100872914758 OVC*577282450203'50F6 800-367-9444 PA
58.88
04724/19
04/25/19
24692169114100872914784 OVC*577282450202'50F6 800-367-9444 PA
58.88
04724/19
04/25/19
24692169114100872914772 OVC*575782270801'60F6 800-367-9444 PA
$11.23
04724/19
04/25/19
24690519114286460300108 YUMMIE
212-704-4242 NY
512.06
04724/19
04/25/19
24690519114286460300124 YUMMIE
212-704-4242 NY
S3.50
04725/19
04/26/19
24692169115100457673968 OVC*575715176701'60F6 800-367-9444 PA
S7.62
04727/19
04/29/19
24204299117002879654838
IHERB.COM
195-16163600 CA
$61.35
05103/19
05/06/19
24692169123100300099385 OVC•576190265501'60F6 800-367-9444 PA
$12.40
05103/19
05/06/19
24692169123100300099393 OVC•576190265502'60F6 800-367-9444 PA
$12.40
05103/19
05/06/19
24692169123100300099401 OVC•576 I90265504'60F6 800-367-9444 PA
$12.20
05103/19
05/06/19
24692169123100300099419 OVC•576190265505'60F6 800-367-9444 PA
$12.20
05103/19
05/06/19
24692169123100300099427 OVC•576190265503'60F6 800-367-9444 PA
$12.20
05107/19
05/08/19
24055229127200755000018 ARMY NAVY OUTDOORS NL II 954-973-6389 FL
$131.96
05106/19
05/08/19
24445009128600053922332
HAUTLK RACK8885478438 888-547-8438 CA
$224.51
05107/19
05/08/19
24908419127072707518936 Ever* '136759268.VP
800-6765523 MN
$23.31
05108/19
05/09/19
24906419128072769520969 HLU'Hulu 956791388448-U HULU.COM/BILLCA
55.99
05108/19
05/10/19
24013399129001162058654 AT WEST END
ATWESTEND.COMMS
$290.00
TOTAL New Activity for GLENDA ANDERSON-LAYNE
52,483.31
2019 TOTALS YEAR-TO-DATE
Total Fees charged in 2019
Total Interest charged in 2019
$0.00
$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
Puchasee
11.90%(v)
50.00
$0.00
Cash Advances
13.90% (v)
$0.00
$0.00
Navy Federal Credit Union
SP 001
EFTA00124760
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
Bel TrI/CaTiChle
11.90%(v)
(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.
Interest Charge
50.00
50.00
Navy Federal Credit Union
SP 001
EFTA00124761
NAVY 3
FEDERAL
Credit Union
Visa Sgnature eeroheRewards
MINIMUM
PAST DUE
PAYMENT DUE
PAYMENT
PAYMENT
DUE DATE
NEW
BALANCE
ACCOUNT NUMBER
AMOUNT
ENCLOSED
0.00
0.00
PLEASE MAKE CHECK PAYABLE AND MAUL TO:
NAVY FEDERAL
P.O. BOX 3500
MERRIFIELD VA 22119-3500
07/08/2019
1,388.24
xxxx xxxx xxxx
$
PLEASE INDICATE CHANGE OF ADDRESS ON REVERSE.
GLENDA ANDERSON-LAYNE
as
00106104
XX XX XX XXXXXXXXXXX XX XX XX XX XXXXXXXXXXX XX XX XX XX XXXXX
ACCOUNT NUMBER
JO= 'COX earn=
ACCESS NUMBER
SUMMARY OF ACCOUNT ACTIVITY_
Previous Balance
$1,006.34
Payments
41.006.31
Other Credits
4278.56
Purchases
+$1.686.80
Cash Advances
440.00
Fees Charged
+50.00
Interest Charged
+50.00
New Balance
$1,388.24
Past Due Amount
$0.00
Over Limit Amount
50.00
Credit Limit
58,000.00
Available Credit
$6,611.76
Cash Limit
54,00000
Available Cash
$4,000.00
Statement Closing Date
06/11/2019
Days In Billing Cycle
31
VisaSoave eaai Rewards
PAYMENT INFORMATION
New Balance
31,388.24
Minimum Payment Due
NONE
Payment Due Date
07/08/2019
Late Payment Warning:If we do not receive your
mina-num payment by the date listed above. you may
have to pay a $20.00 late fee and your APRs may be
increased up to the Penalty APR of 18.00%.
Minimum Payment Warning: If you make only the
minrnum payment each period. you will pay more in
interest and it veal take you longer to pay off your
balance. For example:
you make no
additiarial charges
using the card
and each month
you Pay
Only the rnnimum
payment
S46
You
thewblalipaneyceptt
shown on this
statement it
9 years
3 years
And you will end
up paying an
morseled
told of...
12.166
51.656
(Savings • 5512)
IMPORTANT NOTICES
CONGRATULATIONS! WE ARE PLEASED TO INFORM YOU THAT YOUR CREDIT LINE HAS BEEN INCREASED! YOUR NEW LIMIT IS $8.000.00
. THANK YOU FOR ALLOWING US THE OPPORTUNITY TO SERVE YOU. IF EVER YOU NAVE A OLESTION ABOUT YOUR ACCOUNT,
PLEASE 00 NOT HESITATE TO CALL.
Pagel old
QUESTIONS
Credit Card Services
1-838-842.6328
Send Billing Inquiries To:
Navy Federal Credit union
P.O. Box 3601
Iletalle10 VA 22119-3501
Send Payments To:
Navy Federal
P.O. Box 3600
merrinew VA 22119-3500
To view your account
online vita navyardionolOrg.
if you would Ike miommlico about
credit counseIng tents... go to
https./hreverejustCe.gCnifuebliet-
eredil.cOunsering-agendeS•
approved-pursuarit.11•W>111
a call 1-888-503-7108.
REWARDS SUMMARY
Start Balance
Earned
Bonus
Redeemed
Adjusted
Purged
End Balance
$64.69
$20.77
$0.00
S0.00
$0.00
$0.00
$65.46
Redemptions are not permitted on closed or delinquent accounts.
TRANSACTIONS
PAYMENTS AND CREDITS
Trans Date Post Date Reference No.
Description
Submitted By
Amount
05/21/19
05/23;19
74013399142002926049688 AT WEST END
JACKSON
xxxx xxxx max
$246.50
MS
05/26/19
05/28/19
74050959148060340520002 NFO PAYMENT RECEIVED
sync toms max !MI
$1,006.34
06/01/19
06;03/19
74692169152100098492918 AMZN Mktp US
sync toms max
$32.06
Amzn.corn/billWA
TOTAL PAYMENTS AND CREDITS
$1,284.90
Navy Federal Credit Union
SP 001
EFTA00124762
P
•
NrCU ACCOUNT NO.
RANKMATE
NAMC FIRST
•
CREDIT CARD CHANGE OF ADDRESS
VISA ACCOUNT NO.
LAST
SUFFIX,
NEW ADDRESS
Ll I Y
SIAIE
OP an
APPUCANT OR CO-APPUCANT SIGNATURE
THIS ADDRESS CHANGE IS APPLICABLE TO:
NSA ONLY
ALL APPLICANT'S NFCU ACCOUNTS
sOiNT OwNERIS)-iF NFCti SAVINGS IS A taNT Ars:CAMS
HOME TELEPHONE
MURK feltillUNe
Information About Your Visa E Account
Important Telephone Numbers For Navy Federal:9 Credit Card Services
For Credit Card Services and Lost Cards, call toll-free
1-888-842-6328
Coted intenaticoally
I-703.255.8837
For toll free numbers when overseas.
navyfederalorgiCiveneaS/
Emergency Assistance
1.600-VISA.911
Emergency Assistance (11001 overseas, call collect)
I-410.581.9994
Variable Rate Information: Your Standard APR ad vary based on the U.S. Prime Rate.
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
anoint of interest you pay. Your APR is ad)usted monthly en the first busies day ra the
moth; it is determined by addng a Margin to the U.S. Prime Rate pubished in the Wad
Street Journelen the first day of the previous month. Your Margin is a percentage amount
that we determine based on an evaluation cf your credit history.
Payments: Payments may be made by mail, electronic transfer, et at a branch in person.
NI payments must be made In U.S. &oars Payments you mail must be addressed to Navy
Federal, P.O. Box 3500, Winfield, VA 22119-3500. Payments we receive by mail at this
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
not be ccovringfred with funds designated fa credit to other Navy Federal accounts. We
will accept late a partial payments without forfeiting any of Navy Federars rights under
this Agreement Payments that are marked "paid in full' and that are of an amount less
than the balance en the credit card account, or that are marked with any other nettle/he
endorsements, should be sent to P.O. Box 3501, Hertel], VA 22119, Attn. Credit Card
Division.
Transactions Made In Foreign Cummcy: All Visa purchases and cash advances will
be tilled to you in U.S. cellars. The rate ci exchange used for processing international
transactions is a rate selected by Visa from the range of rates available in wholesale
cerrency markets fa the applicable central proceseng date, which rate may vary from the
rate Yea itself receives or the government-maniated rate In effect for the applicable
canal poymiing date.
Paying Interest Your due date is at least 25 days after the dose of each tilling cycle.
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,
and convenience dads on the transaction date.
ATM Cash Advance Fees: None d performed at a Navy Federal branch or ATM.
Otherwise $0.50 per cremes& transaction or $1.00 per overseas transaction. If you use
your card at an ATM not operated by Navy Federal, you may be chaeged an ATM fee by
the owner of the ATM.
Now We Determine The Amount Of Interest Charges: Nary Federal calculates
Interest charges do your account by applying the periodic rate to the average daily
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
and cash advances, and subtract any payments, eedits, and unpaid interest charges to
give us the daily balance. Then, we add up all ra the daily Menem for the billing cycle
and dNide the total by the number ci days In the baling cycle. This ghats us the average
daily balance. You can find your 'average daily balance' for each being cycle in the
'Balance Subject W Interest Rate' column of y0u statement.
Payment Allocation: in general, we WI apply your minimum payment to the overtime
anoint (if any), inteest, and fees first beat applying it to principal balances. If your
account has balances with different APRs, we Wit apply the Minimal, payment first to the
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)
Page 2014
Billing Rights Summary
What to Do J You Think You Find a Mistake on Your Slefernent
If you think there is an error on your statenent, write t0 us at:
Navy Fetal Credit Union
P.O. Box 3501
Merrifield, VA 22119
You may also coned us electronically through Onine Banking atnavylederal.org.
In your letter, give us the following information:
• Account untinnabon: Your Nitre and account wits
• Donor amount The dcdar emelt of the suspected error
• Description of problem: If you think there is an sloe en your till, describe what you
believe is wrong and why you believe t is a mistake.
You must contact us within 60 days after the error appeared en your statement.
You must notify us ot any potential errors in wiling or electronically. You may call us, at
s' you do, we are not requked to investigate any potential errors, and you may have to
Pay the amount in question.
1Vhde we investigate whether a not there has teen an error, the following are true:
• We cannot try to collect the anoint in question or report you as delinquent on that
Munn.
• The charge in question may remain en your statement, and we may continue to charge
you interest on that amount. But, line determine that we made a riVtake, you will not
have to pay the amount in question a any interest or other fees related to that
mount.
• Where you do not have t0 pay the amount In question, you are responsible for the
reminder of your balance.
• We can apply any unpaid null aganst your credit WO_
Your Rights at You Are Onsatisfied With Your Dredf Cord Purchases
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
have the rigM not to pay the remaining amount due en the purchase.
To use this right, all of the foaming must be Due:
1. Tel surcease must have been made n you home state a yethin 100 man of your
anent mailing address, and the purchase price must have been more than $50.
(Note Nether a these is necessary d your purchase was based on an advertisement
we mailed t0 you, or d we oval the company that sad you the goods a services.)
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
guilty.
3. You must not yet have fury paid fa the purchase.
If all of the acerb above are met and you are still dissatisfied with the purchase, contact
us in twang or electronically at:
Navy Federal Cleat Union
P.O. Box 3501
Merrifield, VA 22119
You may also contact us electsenicaIN through Online Banking atnavyfederal.org.
Wee we investigate, the same rules apply to the &puled amount as ciscussed above.
Me we finish our investigadon, we will tell you our decision. At that point, d we think
you ate an Mount and you do not pay, we may report you as delinquent.
Navy Federal Credit Union
SP 001
EFTA00124763
NAVY C
FEDERAL
Credit Union
visa Signature ar/fReward.s
TRANSACTIONS
GLENDA ANDERSON-LAYNE
Trans Date Post Date
xxxx xxxx xxxx
Reference No.
Description
Amount
05/10/19
05/13/19
24692169130100491934847 NETFLIX.COM
NETFLIX.COM CA
S12.99
05711/19
05/13/19
24692169131100014831297 OVC*576648875501•60F6 800-367-9444 PA
$13.06
05712/19
05/13/19
24908419132072957448799 HSWHSN1576110912 30F3 800-9332887 FL
$23.33
05712/19
05/13/19
24908419132072959092039 HSWI-I5N1556820492 60F6 800-9332887 FL
S6.90
05714/19
05/15/19
24908419134073053314178 HSICHSN1576674991 30F3 800-9332887 FL
$26.65
05717/19
05/20/19
24906419137073222063224 HSICHSN1564849506 50F6 800-9332887 FL
56.83
05717/19
05/20/19
24906419137073222303364 HSICHSN1564848547 50F6 800-9332887 FL
56.83
05717/19
05/20/19
24906419137073225281690 HSWI-I5N1564849507 50F6 800-9332887 FL
56.83
05717/19
05/20/19
24906419137073225327006 HSWI-I5N1564848527 50F6 800-9332887 FL
S6.83
05717/19
05/20/19
24785019139206325740879 RADIANT LIFE COMPANY
888-593-9595 CA
$125.28
05718/19
05/20/19
24908419138073285743802 HSWHSN1564848547 60F6 800-9332887 FL
56.83
05/18/19
05/20/19
24908419138073284919734 HSICHSN1564849507 60F6 800-9332887 FL
56.83
05/18/19
05/20/19
24908419138073284997278 HSICHSN1556820495 60F6 800-9332887 FL
56.90
05/18/19
05/20/19
24908419138073285899323 HSICHSN1564849506 60F6 800-9332887 FL
56.83
05/18/19
05/20/19
24908419138073287082458 HSICHSN1564848527 60F6 800-9332887 FL
56.83
05/20/19
05/21/19
24492159140637240429182 SP • YUMMY BAZAAR INC YUMMYBA7_AAR.MNJ
$113.31
05/20/19
05/21/19
24431069140083707357316 AMZN MICTP US*MN49G1V32 AMAMZN.COMIBILLWA
519.95
05/21/19
05/22/19
24692169141100632867893 OVC*577053471201•60F6 800-367-9444 PA
57.62
05/21/19
05/22/19
24431069141083305556748 AMAZON.COMWN9R6IHN2 AMZNAMZN.COKLBILLWA
523.09
05/22/19
05/22/19
24431069142083048519424 TARGET.COM •
800-591-3869 MN
535.79
05/22/19
05/23/19
24692169142100409307751 AMZN Mktp US*MN2WH3BI2 Amzn.com/biIIWA
532.06
05/21/19
05/23/19
24676459142500519975055 VITAL CHOICE SEAFOOD
306-603-9549 WA
$152.15
05/25/19
05/27/19
24692169145100212058899 OVC*577282450203•60F6 800-367-9444 PA
58.88
05/25/19
05/27/19
24692169145100212056907 OVC*577282450202•60F6 800-367-9444 PA
58.88
05/25/19
05/27/19
24692169145100212058915 OVC*577282450201•60F6 800-367-9444 PA
$130.64
05/28/19
05/30/19
24676459149500485765780 VITAL CHOICE SEAFOOD
306-603-9549 WA
5111.60
06102/19
06/03/19
24492159153637691035870 COLES
WILLBURBANK.SRI
S52.35
06102/19
06/03/19
24492159153637681335767 COLES
WILLBURBANK.SRI
544.92
06102/19
06/03/19
24445009154600042250113 HAUTLK RACK8885478438 888-547-8438 CA
$124.73
06102/19
06/04/19
24445009154500313959949 SIERRA WEB-INTERNET
800-713-4534 WY
599.95
06104/19
06/04/19
24431069155083033428643 TARGET.COM •
800-591-3869 MN
516.66
06104/19
06/04/19
24431069155083034520372 TARGET.COM •
800-591-3869 MN
519.65
06102/19
06/05/19
24639239155900019905800 THE REPUBLIC OF TEA. INC.800-2984832 CA
534.30
06105/19
06/06/19
24492159158637030382840 VICENZO LEATHER
VICENZOLEATHETX
S63.96
06106/19
06/07/19
24906419157074316875007 Even° •136759268.VP
800-6765523 MN
523.31
06108/19
06/10/19
24692169159100447376834 OVC*5821471469muldine 800-367-9444 PA
$44.97
06108/19
06/10/19
24692169159100460608489 NETFLIX.COM
NETFLIX.COM CA
S12.99
06108/19
06/10/19
24908419159074418034139 HLU'Hulu 956791389120-U HULU.COM/BILLCA
S5.99
06109/19
06/10/19
24431069160200685969322 SHEAR ENTERPRISES. LLC 727-898-8400 FL
$151.36
06710/19
06/11/19
24055239161083306558718 WALMART.COM 8C09666546 800-966-6546 AR
557.94
TOTAL New Activity for GLENDA ANDERSON-LAYNE
$1466.80
2019 TOTALS YEAR-TO-DATE
Total Fees charged in 2019
Total Interest charged in 2019
50.00
S97.12
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
I Purchases
11.90% (v)
$0.00
Interest Charge
$0.00
Navy Federal Credit Union
SP 001
EFTA00124764
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
Cash Athances
13.90% (v)
$0.00
$0.00
Bel TrI/Conv ChM
(v) = Variable Rate
11.90% (v)
$0.00
$0.00
' 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
EFTA00124765
NAVY 3
FEDERAL
Credit Union
MINIMUM
PAYMENT DUE
41.00
Vtsa Sgnature eeroheRewards
PAST DUE
PAYMENT
PAYMENT
DUE DATE
NEW
BALANCE
ACCOUNT NUMBER
AMOUNT
ENCLOSED
0.00
PLEASE MAKE CHECK PAYABLE AND MAUL TO:
NAVY FEDERAL
P.O. BOX 3500
MERRIFIELD VA 22119-3500
08/08/2019
2,023.94
xxxx xxxx xxxx
$
PLEASE INDICATE CHANGE OF ADDRESS ON REVERSE.
GLENDA ANDERSON-LAYNE
22
00.04.13
XX XX XX XXXXXXXXXXX XX XX XX XX XXXXXXXXXXX XX XX XX XX XXXXX
ACCOUNT NUMBER
xxxx 'ECU =OM
ACCESS NUMBER
SUMMARY OF ACCOUNT ACTIVITY
Previous Balance
$1.388.24
Payments
40.00
Other Credits
4478.95
Purchases
+$1.098.80
Cash Advances
+$0.00
Fees Charged
+$0.00
Interest Charged
+515.85
New Balance
$2,023.94
Past Due Amount
$0.00
Over Limit Amount
$0.00
Credit Limit
$8,000.00
Available Credit
$5978.06
Cash Limit
$4,000.00
Available Cash
$4.000.00
Statement Closing Date
07111/2019
Days In Billing Cycle
30
YeaSwan eaai Rewards
PAYMENT INFORMATION
New Balance
$2,023.94
Minimum Payment Due
$41.00
Payment Due Date
0810812019
Late Payment Warning:If we do not receive your
mina-num payment by the date listed above. you may
have to pay a $20.00 late fee and your APRs may be
increased up to the Penalty APR of 18.00%.
Minimum Payment Warning: If you make only the
minrnum payment each period. you will pay more in
interest and it veal take you longer to pay off your
balance. For example:
II you make no
additional charges
using this card
and each month
you pay...
Only the minimum
Perron!
$67
You wit pay off
the balance
shown on this
statement ii
And you wit anti
up paying an
estimated
told of...
11 years
33.383
12.412
(Savings • 3971)
3 yews
Pape 1 old
QUESTIONS
Credit Card Semites
14011-942.6328
Send Billing Inquiries To:
Navy Federal credit Union
P.O. Box 3601
Merallel4 VA 22119-3501
Send Payments To:
Navy Federal
P.O. Box 3.503
meniner4 VA 22119-3500
To now yaw account
Palate Weil havyledertd.0.9.
For intormesan about ciedil
NonsoANI graces. you may
go Is hupwwavriustiocrgoetusu
ltsiwrecto.counsoling.apancles.
approattilursuant.11.usc-tit.
or calli-530-503.7106.
REWARDS SUMMARY
Start Balance
Earned
$85.46
$9.28
Bonus
Redeemed
$0.00
$0.00
Adjusted
$0.00
Purged
End Balance
$0.00
$94.74
Redemptions we not permitted an dosed or delinquent accounts.
TRANSACTIONS
PAYMENTS AND CREDITS
Trims Date Post Date Reference No.
Description
Submitted By
Amount
06/12/19
06/13/19
744450091e48000513873401 HAUTLK RACK8885478438
sax( =cc max=
$218.56
06/21/19
06/24/19
74676459173000948757544
888-5478438 CA
VITAL CHOICE SEAFOOD
x:occ ant w
-
$17.85
07101/19
07/02/19
74055229163400221006018
BELLINGHAM WA
ARMYNAVYOUTDOORS.COM
Loa max max=
$123.01
JACKSONVILLE FL
07109/19
07/10/19
74431059191200587694257 SHEAR ENTERPRISES, LLC ST
root )cc000cxx=
$119.53
PETERSBURGFL
TOTAL PAYMENTS AND CREDITS
$478.95
Navy Federal Credit Union
SP 001
EFTA00124766
P
•
NrCU ACCOUNT NO.
RANKMATE
NAMC FIRST
•
CREDIT CARD CHANGE OF ADDRESS
VISA ACCOUNT NO.
LAST
SUFFIX,
NEW ADDRESS
Ll I Y
SIAIE
OP an
APPUCANT OR CO-APPUCANT SIGNATURE
THIS ADDRESS CHANGE IS APPLICABLE TO:
NSA ONLY
ALL APPLICANT'S NFCU ACCOUNTS
sOiNT OwNERIS)-iF NFCti SAVINGS IS A taNT Ars:CAMS
HOME TELEPHONE
MURK feltillUNe
Information About Your Visa E Account
Important Telephone Numbers For Navy Federal:9 Credit Card Services
For Credit Card Services and Lost Cards, call toll-free
1-888-842-6328
Coted intenaticoally
I-703.255.8837
For toll free numbers when overseas.
navyfederalorgiCiveneaS/
Emergency Assistance
1.600-VISA.911
Emergency Assistance (11001 overseas, call collect)
I-410.581.9994
Variable Rate Information: Your Standard APR ad vary based on the U.S. Prime Rate.
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
anoint of interest you pay. Your APR is ad)usted monthly en the first busies day ra the
moth; it is determined by addng a Margin to the U.S. Prime Rate pubished in the Wad
Street Journelen the first day of the previous month. Your Margin is a percentage amount
that we determine based on an evaluation cf your credit history.
Payments: Payments may be made by mail, electronic transfer, et at a branch in person.
NI payments must be made In U.S. &oars Payments you mail must be addressed to Navy
Federal, P.O. Box 3500, Winfield, VA 22119-3500. Payments we receive by mail at this
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
not be ccovringfred with funds designated fa credit to other Navy Federal accounts. We
will accept late a partial payments without forfeiting any of Navy Federars rights under
this Agreement Payments that are marked "paid in full' and that are of an amount less
than the balance en the credit card account, or that are marked with any other nettle/he
endorsements, should be sent to P.O. Box 3501, Hertel], VA 22119, Attn. Credit Card
Division.
Transactions Made In Foreign Cummcy: All Visa purchases and cash advances will
be tilled to you in U.S. cellars. The rate ci exchange used for processing international
transactions is a rate selected by Visa from the range of rates available in wholesale
cerrency markets fa the applicable central proceseng date, which rate may vary from the
rate Yea itself receives or the government-maniated rate In effect for the applicable
canal poymiing date.
Paying Interest Your due date is at least 25 days after the dose of each tilling cycle.
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,
and convenience dads on the transaction date.
ATM Cash Advance Fees: None d performed at a Navy Federal branch or ATM.
Otherwise $0.50 per cremes& transaction or $1.00 per overseas transaction. If you use
your card at an ATM not operated by Navy Federal, you may be chaeged an ATM fee by
the owner of the ATM.
Now We Determine The Amount Of Interest Charges: Nary Federal calculates
Interest charges do your account by applying the periodic rate to the average daily
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
and cash advances, and subtract any payments, eedits, and unpaid interest charges to
give us the daily balance. Then, we add up all ra the daily Menem for the billing cycle
and dNide the total by the number ci days In the baling cycle. This ghats us the average
daily balance. You can find your 'average daily balance' for each being cycle in the
'Balance Subject W Interest Rate' column of y0u statement.
Payment Allocation: in general, we WI apply your minimum payment to the overtime
anoint (if any), inteest, and fees first beat applying it to principal balances. If your
account has balances with different APRs, we Wit apply the Minimal, payment first to the
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)
Page 2014
Billing Rights Summary
What to Do J You Think You Find a Mistake on Your Slefernent
If you think there is an error on your statenent, write t0 us at:
Navy Fetal Credit Union
P.O. Box 3501
Merrifield, VA 22119
You may also coned us electronically through Onine Banking atnavylederal.org.
In your letter, give us the following information:
• Account untinnabon: Your Nitre and account wits
• Donor amount The dcdar emelt of the suspected error
• Description of problem: If you think there is an sloe en your till, describe what you
believe is wrong and why you believe t is a mistake.
You must contact us within 60 days after the error appeared en your statement.
You must notify us ot any potential errors in wiling or electronically. You may call us, at
s' you do, we are not requked to investigate any potential errors, and you may have to
Pay the amount in question.
1Vhde we investigate whether a not there has teen an error, the following are true:
• We cannot try to collect the anoint in question or report you as delinquent on that
Munn.
• The charge in question may remain en your statement, and we may continue to charge
you interest on that amount. But, line determine that we made a riVtake, you will not
have to pay the amount in question a any interest or other fees related to that
mount.
• Where you do not have t0 pay the amount In question, you are responsible for the
reminder of your balance.
• We can apply any unpaid null aganst your credit WO_
Your Rights at You Are Onsatisfied With Your Dredf Cord Purchases
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
have the rigM not to pay the remaining amount due en the purchase.
To use this right, all of the foaming must be Due:
1. Tel surcease must have been made n you home state a yethin 100 man of your
anent mailing address, and the purchase price must have been more than $50.
(Note Nether a these is necessary d your purchase was based on an advertisement
we mailed t0 you, or d we oval the company that sad you the goods a services.)
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
guilty.
3. You must not yet have fury paid fa the purchase.
If all of the acerb above are met and you are still dissatisfied with the purchase, contact
us in twang or electronically at:
Navy Federal Cleat Union
P.O. Box 3501
Merrifield, VA 22119
You may also contact us electsenicaIN through Online Banking atnavyfederal.org.
Wee we investigate, the same rules apply to the &puled amount as ciscussed above.
Me we finish our investigadon, we will tell you our decision. At that point, d we think
you ate an Mount and you do not pay, we may report you as delinquent.
Navy Federal Credit Union
SP 001
EFTA00124767
NAVY
FEDERAL
Yea agnatise arheRewards
Pay 304
Credit Union
TRANSACTIONS
GLENDA ANDERSON-LAYNE
=a am max Ili
Trans Date Post Date Reference No.
DescrIplion
Amount
06/10/19
06/12/19
24789309162696603266118 STONEWALL KITCHENCORP 2074512713 ME
$43.51
06/11/19
06/13/19
24789309163701303925109 STONEWALL KITCHENCORP 207-3512713 ME
$43.38
06/18/19
06/18/19
24204299169000610674948 KEEN INC
165-03232055 OR
$130.65
06/19/19
06/20/19
24055229170200839500375 ARMYNAVYOUTDOORS.COM
904-725-5000 FL
$113.23
06/21/19
06/24/19
24492159172637815163894 SP • ANGELA CAGLIA
HTTPSANGELACACA
$116.00
06/21/19
06/24/19
24906419172075086870160 Evine '138612940
800-6765523 MN
$81.46
07/01/19
07/02/19
24492159182637324543765 SP • ANGELA CAGLIA
HTTPSANGELACACA
$158.40
07/06/19
07/08/19
24906419187075892255534 Ems '136759268.VP
800-6765523 MN
$23.31
07/07/19
07/08/19
24492159188637633912680 COLES
WILLBURBANK.SRI
$67.83
07/08/19
07/09/19
24692169189100742841538 NETFLIX.COM
NETFLIX.COM CA
$12.99
07/08/19
07/09/19
24055239189083313531468 WALMART.COM 8009666546 800-966-6546 AR
$65.18
07/08/19
07/09/19
24908419189075966837751 HLU'Hulu 956791389652-U HULU.COM/BILLCA
S5.99
07/09/19
07/10/19
24692169190100220509396 OVC*582I47146903•20F3 800467-9444 PA
$14.99
07/09/19
07/10/19
24692169190100220509404 OVC•582I47146901'20F3 800467-9444 PA
$14.99
07/09/19
07/10/19
24692169190100220509412 OVC*582147146902•20F3 800467-9444 PA
$14.99
07/08/19
07/10/19
24081629190017037697879 COCOCARE PRODUCTS
973-989-8880 NJ
S97.95
07/09/19
07/10/19
24332399191010509162239 DR. NATURA
800-8770414 WV
$93.95
TOTAL New Activity for GLENDA ANDERSON-LAYNE
$1.098.80
INTEREST CHARGED
DeecrIplion
Amount
INTEREST CHARGE-PURCHASES
$15.85
TOTAL INTEREST
$15.85
2019 TOTALS YEAR-TO-DATE
Total Fees charged in 2019
Tots Interest charged ri 2019
$0.00
$112.97
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
Flrohases
11.90%(v)
$1.597.91
Cash AcNerces
13.90% (v)
50.00
Bal TrItonvChle
11.90%(v)
$0.00
(v) = Variable Rate
• Bal 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.
Interest Charge
$15.85
$0.00
$0.00
Navy Federal Credit Union
Sp 001
EFTA00124768
Visa S
(
ignature
al /
Rewards
Navy Federal Credit Union
SP 001
EFTA00124769
NAVY 3
FEDERAL
Credit Union
Vtsa Sgnature eeroheRewards
MINIMUM
PAST DUE
PAYMENT DUE
PAYMENT
PAYMENT
DUE DATE
NEW
BALANCE
ACCOUNT NUMBER
AMOUNT
ENCLOSED
0.00
0.00
PLEASE MAKE CHECK PAYABLE AND MAIL TO:
NAVY FEDERAL
P.O. BOX 3500
MERRIFIELD VA 22119-3500
09/08/2019
247.65
xxxx xxxx xxxx
$
PLEASE INDICATE CHANGE OF ADDRESS ON REVERSE.
GLENDA ANDERSON-LAYNE
•• 0119118
XX XX XX XXXXXXXXXXX XX XX XX XX XXXXXXXXXXX XX XX XX XX XXXXX
ACCOUNT NUMBER
IOWA KW xxxx I=
ACCESS NUMBER
SUMMARY OF ACCOUNT ACTIVITY
Previous Balance
Payments
Other Credits
Purchases
Cash Advances
Fees Charged
Interest Charged
New Balance
Past Due Amount
Over Limit Amount
Credit Limit
Available Credit
Cash Limit
Available Cash
Statement Closing Date
Days In Billing Cycle
-52.952.10
-$94.74
+51.270.55
+$0.00
+$0.00
+50.00
5247.65
$0.00
$0.00
$8,000.00
$7,752.35
$4,000.00
$4,000.00
08/11/2019
31
VisaSwan eaai Rewards
PAYMENT INFORMATION
New Balance
5247.85
Minimum Payment Due
NONE
Payment Due Date
09/08/2019
Late Payment Warning:If we do not receive your
mina-num payment by the date listed above. you may
have to pay a $20.00 late fee and your APRs may be
increased up to the Penalty APR of 18.00%.
Minimum Payment Warning: If you make only the
minrnum payment each period. you will pay more in
interest and it veal take you longer to pay off your
balance. For example:
II you make n0
You wit pay off
additenai charges
the balance
'Sang "la card
shown on this
and each month
statement it
You PaY
about..
Only the minimum
Parnell'
15 month:
And you will end
up paying al
esbrnaled
Iola!
$268
Pape l old
QUESTIONS
Credit Card Services
1488-842.6328
Send Billing Inquiries To:
Navy Federal credit Union
P.O. Box NSW
Laerrinew VA 22119.3501
Seed Payments To:
Navy Federal
P.O. Box 1503
Lerrinvo VA 22119.3500
To view your account
PAM wan savyneeralsoes.
For onlomislion about ciedil
OunseAnII ;emu... you may
golf, nap awavolustioo.gottuse
Ilibefocra.coonsolIneaoonclos.
opprovod•pursuonl.11.usc-111.
or call1408.503.7108
REWARDS SUMMARY
Start Balance
Earned
Bonus
Redeemed
Adjusted
$0.00
$91.74
$0.00
Purged
$0.00
End Balance
$94.74
i
$19.05
$19.05
Redemptions are not permitted on closed or delinquent accounts.
, TRANSACTIONS
PAYMENTS AND CREDITS
Trans Date Post Date Reference No.
Description
07113119
07/15/19
74030959196085300710007 NFO PAYMENT RECEIVED
07/13/19
07/15/19
74030959196003090710009 NFO PAYMENT RECEIVED
07/15/19
07/16/19
740304)59197423820207328 CASH REWARDS
07/24/19
07/24/19
74060959205082530720004 NFO PAYMENT RECEIVED
08/08/19
08/08/19
74060959218088040800003 NFO PAYMENT RECEIVED
TOTAL PAYMENTS AND CREDITS
TRANSACTIONS
GLENDA ANDERSON-LAYNE
=cc xxxx sass=
Trans Date Post Date Reference No.
Description
Amount
07/14/19
07/15/19
24908419195078269932883 HSN'HSN1599210741
800-9332887 FL
$17.49
07/14/19
07/15/19
24908419195078269933752 HSWHSN1599307560 10F5 800-9332887 FL
S8.65
Submitted By
xxxx xxxx xxxx
xxxc xca =a=
Lox =coon=
xxxx xca =a=
root xxxx xxxx
Amount
S500.00
$500.00
$90.74
$1.350.37
$801.73
$3,046.84
Navy Federal Credit Union
SP 001
EFTA00124770
P
•
NrCU ACCOUNT NO.
RANKMATE
NAMC FIRST
•
CREDIT CARD CHANGE OF ADDRESS
VISA ACCOUNT NO.
LAST
SUFFIX,
NEW ADDRESS
Ll I Y
SIAIE
OP an
APPUCANT OR CO-APPUCANT SIGNATURE
THIS ADDRESS CHANGE IS APPLICABLE TO:
NSA ONLY
ALL APPLICANT'S NFCU ACCOUNTS
sOiNT OwNERIS)-iF NFCti SAVINGS IS A taNT Ars:CAMS
HOME TELEPHONE
MURK feltillUNe
Information About Your Visa E Account
Important Telephone Numbers For Navy Federal:9 Credit Card Services
For Credit Card Services and Lost Cards, call toll-free
1-888-842-6328
Coted intenaticoally
I-703.255.8837
For toll free numbers when overseas.
navyfederalorgiCiveneaS/
Emergency Assistance
1.600-VISA.911
Emergency Assistance (11001 overseas, call collect)
I-410.581.9994
Variable Rate Information: Your Standard APR ad vary based on the U.S. Prime Rate.
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
anoint of interest you pay. Your APR is ad)usted monthly en the first busies day ra the
moth; it is determined by addng a Margin to the U.S. Prime Rate pubished in the Wad
Street Journelen the first day of the previous month. Your Margin is a percentage amount
that we determine based on an evaluation cf your credit history.
Payments: Payments may be made by mail, electronic transfer, et at a branch in person.
NI payments must be made In U.S. &oars Payments you mail must be addressed to Navy
Federal, P.O. Box 3500, Winfield, VA 22119-3500. Payments we receive by mail at this
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
not be ccovringfred with funds designated fa credit to other Navy Federal accounts. We
will accept late a partial payments without forfeiting any of Navy Federars rights under
this Agreement Payments that are marked "paid in full' and that are of an amount less
than the balance en the credit card account, or that are marked with any other nettle/he
endorsements, should be sent to P.O. Box 3501, Hertel], VA 22119, Attn. Credit Card
Division.
Transactions Made In Foreign Cummcy: All Visa purchases and cash advances will
be tilled to you in U.S. cellars. The rate ci exchange used for processing international
transactions is a rate selected by Visa from the range of rates available in wholesale
cerrency markets fa the applicable central proceseng date, which rate may vary from the
rate Yea itself receives or the government-maniated rate In effect for the applicable
canal poymiing date.
Paying Interest Your due date is at least 25 days after the dose of each tilling cycle.
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,
and convenience dads on the transaction date.
ATM Cash Advance Fees: None d performed at a Navy Federal branch or ATM.
Otherwise $0.50 per cremes& transaction or $1.00 per overseas transaction. If you use
your card at an ATM not operated by Navy Federal, you may be chaeged an ATM fee by
the owner of the ATM.
Now We Determine The Amount Of Interest Charges: Nary Federal calculates
Interest charges do your account by applying the periodic rate to the average daily
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
and cash advances, and subtract any payments, eedits, and unpaid interest charges to
give us the daily balance. Then, we add up all ra the daily Menem for the billing cycle
and dNide the total by the number ci days In the baling cycle. This ghats us the average
daily balance. You can find your 'average daily balance' for each being cycle in the
'Balance Subject W Interest Rate' column of y0u statement.
Payment Allocation: in general, we WI apply your minimum payment to the overtime
anoint (if any), inteest, and fees first beat applying it to principal balances. If your
account has balances with different APRs, we Wit apply the Minimal, payment first to the
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)
Page 2014
Billing Rights Summary
What to Do J You Think You Find a Mistake on Your Slefernent
If you think there is an error on your statenent, write t0 us at:
Navy Fetal Credit Union
P.O. Box 3501
Merrifield, VA 22119
You may also coned us electronically through Onine Banking atnavylederal.org.
In your letter, give us the following information:
• Account untinnabon: Your Nitre and account wits
• Donor amount The dcdar emelt of the suspected error
• Description of problem: If you think there is an sloe en your till, describe what you
believe is wrong and why you believe t is a mistake.
You must contact us within 60 days after the error appeared en your statement.
You must notify us ot any potential errors in wiling or electronically. You may call us, at
s' you do, we are not requked to investigate any potential errors, and you may have to
Pay the amount in question.
1Vhde we investigate whether a not there has teen an error, the following are true:
• We cannot try to collect the anoint in question or report you as delinquent on that
Munn.
• The charge in question may remain en your statement, and we may continue to charge
you interest on that amount. But, line determine that we made a riVtake, you will not
have to pay the amount in question a any interest or other fees related to that
mount.
• Where you do not have t0 pay the amount In question, you are responsible for the
reminder of your balance.
• We can apply any unpaid null aganst your credit WO_
Your Rights at You Are Onsatisfied With Your Dredf Cord Purchases
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
have the rigM not to pay the remaining amount due en the purchase.
To use this right, all of the foaming must be Due:
1. Tel surcease must have been made n you home state a yethin 100 man of your
anent mailing address, and the purchase price must have been more than $50.
(Note Nether a these is necessary d your purchase was based on an advertisement
we mailed t0 you, or d we oval the company that sad you the goods a services.)
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
guilty.
3. You must not yet have fury paid fa the purchase.
If all of the acerb above are met and you are still dissatisfied with the purchase, contact
us in twang or electronically at:
Navy Federal Cleat Union
P.O. Box 3501
Merrifield, VA 22119
You may also contact us electsenicaIN through Online Banking atnavyfederal.org.
Wee we investigate, the same rules apply to the &puled amount as ciscussed above.
Me we finish our investigadon, we will tell you our decision. At that point, d we think
you ate an Mount and you do not pay, we may report you as delinquent.
Navy Federal Credit Union
SP 001
EFTA00124771
NAVY
FEDERAL
Credit Union
waSignature arheRewards
ear304
TRANSACTIONS
GLENDA ANDERSON-LAYNE
xxcx sox tau
Amount
Trans Date Post Date Reference No.
Description
07/14/19
07/15/19
24906419195076269138927 HSN'HSN1599210750 IOFS 800-9332887 FL
$24.53
07/14/19
07/15/19
24906419195076269763738 HSWHSN1599210744
800-9332887 FL
$17.49
07/14/19
07/15/19
24906419195076268078478 HSWHSN1599231978 IOFS 800-9332887 FL
$11.34
07/14/19
07/15/19
24906419195076268821127 HSWHSN1599210745
800-9332887 FL
$17.49
07/14/19
07/15/19
24906419195076268799725 HSWHSN1599307559 IOFS 800-9332887 FL
$12.13
07/14/19
07/15/19
24906419195076270207501 HSWHSN1599210746
800-9332887 FL
$17.49
07/14/19
07/15/19
24906419195076270230968 HSWHSN1599210743 IOFS 800-9332887 FL
$12.13
07/14/19
07/15/19
24906419195076269578189 HSWHSN1599210740
800-9332887 FL
$17.49
07/14/19
07/15/19
24900419195076260337217 HSWHSN1599231977 10F5 800-9332887 FL
$11.34
07/17/19
07/18/19
24906419198076424084852 HSWHSN1599307558 10F2 800-9332887 FL
$24.73
07/17/19
07/18/19
24492159198894797252159 BORGHESE INC
866-267-4437 NY
580.03
07/20/19
07/22/19
24492159201637271829688 BUTCHERBOX
HTTPSWWW.BUTCMA
$116.00
07/21/19
07/22/19
24492159202637317837100 CHOPSTIX - BAY RIDGE - STRIPE.COM CA
532.84
07/23/19
07/24/19
24906419204076718284244 HSWHSN1599231976 IOFS 800-9332887 FL
57.83
07/25/19
07/26/19
24137469207600121829829 HAUTLK RACK8885478438 888-547-8438 CA
$133.88
07/28/19
0729/19
24692169209100040138700 MIKASA.COM
866-645-2721 NY
$310.28
08/01/19
08/02/19
24492159213637809345898 SP • YUMMY BAZAAR INC YUMMY8A7_AAR.MNJ
554.17
08/03/19
08/05/19
24055239215083323319132 WALMART.COM 8009666546 800-9664546 AR
$68.72
08/03/19
08/05/19
24906419215077317348684 HSWHSN1599238954 IOFS 800-9332887 FL
$18.48
08/04/19
08/05/19
24906419216077359430910 HSN'HSN1599210751 IOFS 800-9332887 FL
S8.37
08/05/19
08/06/19
24906419217077415962152 Eva-to '136759268.VP
800-6765523 MN
523.30
08/03/19
08/07/19
24639239218900015402243 THE REPUBLIC OF TEA. INC.800-2984832 CA
590.37
08/08/19
08/09/19
24692169220100859889295 NETFLIX.COM
NETFLIX.COM CA
S12.99
08/07/19
08/09/19
24639239220900015602673 THE REPUBLIC OF TEA. INC.800-2984832 CA
$115.00
08/08/19
08/09/19
24906419220077570102425 HLU'Hulu 956791385014-U HULU.COM/BILLCA
S5.99
TOTAL New Activity for GLENDA ANDERSON-LAYNE
51,270.55
INTEREST CHARGE
Your Annual Percentage
2019 TOTALS YEAR-TO-DATE
Total Fees charged in 2019
Total Interest charged ri 2019
50.00
$112.97
CALCULATION
Rate (APR) is the annual interest rate on your account.
Annual Percentage Rate
Balance Subject to
Type of Balance
(APR)
Interest Rate
Interest Charm
Puchases
11.90% (v)
50.00
50.00
Cash AoVarces
13.90% (v)
50.00
50.00
Bal Td/CoyChle
(v) = Variable Rate
11.90%(v)
50.00
50.00
• Bal TrI/Caw 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
EFTA00124772
Visa S
(
ignature
al /
Rewards
Navy Federal Credit Union
SP 001
EFTA00124773
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| Filename | EFTA00124742.pdf |
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| Text Length | 118,185 characters |
| Indexed | 2026-02-11T10:45:48.418434 |