EFTA00124774.pdf

NAVY 3 FEDERAL Credit Union r MINIMUM PAYMENT DUE 0.00 PAST DUE PAYMENT PLEASE MAKE CHECK PAYABLE AND ELUL TO: NAVY FEDERAL P.O. BOX 3500 MERRIFIELD VA 22119-3500 PAYMENT DUE DATE NEW BALANCE 01/28/2019 105.32 Visa Signature GO REWARDS® ACCOUNT NUMBER I AMOUNT ENCLOSED xxxx xxxx xxxx $ PLEASE INDICATE CHANGE OF ADDRESS ON REVERSE. 0010532000000000406095590715749340609559071574934 ACCOUNT NUMBER aux KO" XXxx MEI ACCESS NUMBER SUMMARY OF ACCOUNT ACTWITY Previous Balance Payments Other Credits Purchases Cash Advances Fees Charged Interest Charged New Balance $105.32 Past Due Amount Credit Limit $24.500.00 Available Credit $24,394.68 Cash Limit $12,250.00 Available Cash $12,250.00 Statement Closing Date 01/03/2019 Da a In BIIII C cle 31 PAYMENT INFORMATION New Balance $105.32 Minimum Payment Due NONE Payment Due Date 01/28/2019 Late Payment Warning:If we do not receive your mini-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 will take you longer to pay off your balance. For example: If you make no You well pay al additional charges the balance tieing the card Shaun en the MO each month statement rt You Pay... Only the rnrtimum 7 ins Penmen' And you will end up paying an esornaled Iota) 5109 ** 002081.7 Visa Signature GO REWARDS® Pap I a4 QUESTIONS Credit Card Smokes 1-M842.6328 Sand Billing Inquiries To: Navy Federal Credit Union P.O. Box 1501 martin...! VA 22119.3501 Send Payments To: Navy Federal P.O. Box 3603 Met (Meld VA 22119-3500 To view your account online visit nevyfedlInII.Org. If you would Ike inlomialica about credit counselng semi:ea.go to MIps./hvwvemstice.govfusblisl- eredarcounseawg-agenetes- approvedpursuantli•utte.111 ix call 1-868-503-7106. REWARD POINT SUMMARY Start Balance - Earned Bonus I Redeemed Adjusted I Expired/Purged End Balance I I I Redemptions are not permitted on dosed or delinquent accounts. 3.418 Rewards Details Rewards for Jan 2019 Qualified Spend Rewards Points Restaurants $0.00 flii 3x 0 Gas Stations WOO @ 2x 0 Other Eligible Purchases $307.74 307 Total This Period $307.74 307 Total Reward Year to Date $307.74 307 Navy Federal Credit Union Sp 001 EFTA00124774 P • 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 EFTA00124775 NAVY FEDERAL Credit Union Visa Signature* GO REWARDS® FY003.04 TRANSACTIONS PAYMENTS AND CREDITS Trens Date Post Date Reference No. Description 12128118 12128/18 TRANSACTIONS GLENDA ANDERSON-LAYNE nxx sox xxxxIM Trans Date Post Date Reference No. Description knout 12120118 12/21/18 12120118 12/21/18 12120118 12/21/18 12120118 12/21/18 12120118 12/21/18 12120118 12/21/18 12121118 12/24/18 12121118 12/24/18 12122118 12/24/18 12123118 12/24/18 12123118 12/24/18 12125118 12/26/18 12130118 12/31/18 12130118 12/31/18 12130118 12/31/18 12130118 12/31/18 12130118 12/31/18 12/30/18 12/31/18 12130118 12/31/18 12131118 01/02/19 Sulmnkted By Amulet 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 Total Interest charged Si 2019 $0.00 $0.00 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual Interest rate on your account. Annual Percentage Rate Balance Subject to Type of Balance (APR) Interest Rate Interest Charge Puthasse 10.99%(v) 30.00 S0.00 Cash Advances 12.99%(v) 30.00 S0.00 Bal Tit/CawChM (v) = Variable Rate 10.99% (v) $0.00 S0.00 • 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 EFTA00124776 Visa Signatures GO REWARDS%) fart,4 c44 CONQUER YOUR DEBT navytederal org/myBT 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. Insured by NCVA. Navy Federal Credit Union SP 001 EFTA00124777 NAVY 3 FEDERAL Credit Union MINIMUM PAYMENT DUE Visa Signature* GO REWARDS® PAST DUE PAYMENT PAYMENT DUE DATE NEW BALANCE 0.00 0.00 02/28/2019 0.00 PLEASE MAKE CHECK PAYABLE AND KUL TO: NAVY FEDERAL P.O. BOX 3500 MERRIFIELD VA 22119-3500 ACCOUNT NUMBER AMOUNT ENCLOSED xxxx xxxx xxxx PLEASE INDICATE CHANGE OF ADDRESS ON REVERSE. =MI 0000000000000000406095590715749340609559071574938 ACCOUNT NUMBER 10:EXKOOOMVX= ACCESS NUMBER 5737231 SUMMARY OF ACCOUNTACTIVITY Previous Balance S105.32 Payments -$105.32 Other Credits -$0.00 Purchases +$0.00 Cash Advances +50.00 Fees Charged +50.00 Interest Charged +$0.00 New Balance 50.00 Past Due Amount $0.00 Credit Limit $24,500.00 Available Credit 524,500.00 Cash Limit $12,250.00 Available Cash $12,250.00 Statement Closing Date 02103/2019 Days In Billing Cycle 31 PAYMENT INFORMATION New Balance 50.00 Minimum Payment Due NONE Payment Due Date 02/28/2019 Late Payment Warning:If we do not receive your mini-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 mere in interest and it wdl take you longer to pay off your balance. se 0020757 Visa Signature* GO REWARDS® Pap as QUESTIONS Credit Card Services 1303842.6328 Send Billing Inquiries To: Navy Federal Credit linen P.O. Box 3501 tomato VA 22119.3501 Send Payments To: Navy Federal P.O. Box 3603 PASIIIII0/0 VA 22119-3500 To view your account online ve.t nevyliklerel.Orti. II you nould Ike informatics, about credit counseing emcee. go to ittpt/hvwvijustme.godusblist• atddcounsedind-agendes• APproved-pursuarill 'kw:to-111 or call 1-868-303-7106. IMPORTANT NOTICES *INFORMATION REGARDING YOUR MINIMUM PAYMENT DUE• • YOUR MINIMUM PAYMENT DUE IS 2%0F YOUR STATEMENT BALANCE OR $20 (WHICHEVER IS GREATER). PLUS ANY PAST DUE AMOUNT. YOU MUST PAY THIS AMOUNT TO KEEP YOUR ACCOUNT IN GOOD STANDING. REWARD POINT SUMMARY Start Balance Eamed 3.418 Bonus Redeemed Adjusted ExpireWPurged End Balance 0 0 3,418 Redemptions are not permitted on dosed or delinquent accounts. Rewards Details Qualified Spend 50.00 fj2 3x Rewards for Feb 2019 Restaurants Rewards Points 0 Gee Stations WOO @ 2x 0 Other Eligible Purchases $0.00 Total This Period $0.00 0 Total Reward Year to Date $307.74 307 Navy Federal Credit Union Sp 001 EFTA00124778 P • 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 EFTA00124779 NAVY C FEDERAL Credit Union Visa Signatures GO REWARDS,, R,r3c(4 TRANSACTIONS PAYMENTS AND CREDITS Trans Date Post Date Reference No. Description Submitted By 7406Cr96901406859011C003 NFO PAYMENT RECEIVED 01/13/19 01/14/19 %XXX XXX% XXXI( TOTAL PAYMENTS AND CREDITS 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 Total Interest charged In 2019 $0.00 $0.00 Amount 5105.32 $105.32 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual Interest rate on your account. Annual Percentage Rate Balance Subject to Type of Balance (APR) Interest Rate Interest Charge Puthases 11.24%(v) $0.00 $0.00 Cash Adearces 13.24%(v) $0.00 $0.00 Bal Tri•CcnvChle (v) = Variable Rate 11.24%(v) $0.00 $0.00 • Bat Trf/Conv Chk = Balance Transfer or Convenience Check. There is no grace period to avoid interest Interest is assessed from the transaction date to the date the amount is paid in full. CONQUER 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. '1 navyfederal.org/my8T Insured by NCVA. Navy Federal Credit Union SP 001 EFTA00124780 Visa Signature• GO REWARDS" 4C(< Navy Federal Credit Union SP 001 EFTA00124781