Customer Service Information:
www.bankofamerica.com
1.800.421.2110
Mail billing inquiries to:
P.O. BOX 15284
Bank of America
WILMINGTON, DE 19850
P.O. Box 672050
Dallas TX 75267-2050
Mail payment to:
Bank of America
P.O. Box 15019
Wilmington DE 19886-5019
WALTER V RUIZ-ELIGIO
840 3RD AVE
DUNCANSVILLE PA 16635-1418
Visa Signature®
Account# 4400 6682 8161 8431
April 24 - May 23, 2023
Account Summary/Payment Information New Balance Total $5,953.59
Current Payment Due $61.00
Previous Balance $770.96
Payments and Other Credits -$4,703.70 Total Minimum Payment Due $61.00
Purchases and Adjustments $9,884.45 Payment Due Date 06/20/2023
Fees Charged $0.00
Interest Charged $1.88
New Balance Total $5,953.59 Late Payment Warning: If we do not receive your Total Minimum
Payment by the date listed above, you may have to pay a late fee of up to
Total Credit Line $10,000.00 $39.00 and your APRs may be increased up to the Penalty APR of 29.99%.
Total Credit Available $4,046.41 Total Minimum Payment Warning: If you make only the Total Minimum
Cash Credit Line $1,100.00 Payment each period, you will pay more in interest and it will take you
Portion of Credit Available longer to pay off your balance. For example:
for Cash $1,100.00 If you make no additional You will payoff the And you will end up
Statement Closing Date 05/23/2023 charges using this card balance shown on this paying an estimated
Days in Billing Cycle 30 and each month you pay statement in about total of
Only the Total 22 years $17,544.00
Minimum Payment
$237.00 36 months $8,532.00
(Savings = $9,012.00)
If you would like information about credit counseling services, call
866.300.5238.
23 005953590000610000470370000000000004400668281618431
BANK OF AMERICA Account Number: 4400 6682 8161 8431
P.O. BOX 15019
WILMINGTON DE 19886-5019 Payment Due Date 06/20/2023
New Balance Total $5,953.59
Total Minimum Payment Due $61.00
WALTER V RUIZ-ELIGIO Enter payment amount $ .
840 3RD AVE
DUNCANSVILLE PA 16635-1418
For change of address/phone number, see reverse side.
Make your payment online at www.bankofamerica.com or
Mail this coupon along with your check payable to: Bank of America
A524022250A 19628281618431C
WALTER V RUIZ-ELIGIO ! Account # 4400 6682 8161 8431 ! April 24 - May 23, 2023
004 - 000 - 000 - G
IMPORTANT INFORMATION ABOUT THIS ACCOUNT
PAYING INTEREST - We will not charge interest on Purchases on the next CALCULATION OF BALANCES SUBJECT TO INTEREST RATE
statement if you pay the New Balance Total in full by the Payment Due Date, Average Daily Balance Method (including new Purchases): We calculate
and you had paid in full by the previous Payment Due Date. We will begin separate Balances Subject to an Interest Rate for Purchases and for each
charging interest on Balance Transfers and Cash Advances on the transaction Introductory or Promotional Offer balance consisting of Purchases. We do this
date. by: (1) calculating a daily balance for each day in the billing cycle; (2) adding all
TOTAL INTEREST CHARGE COMPUTATION - Interest Charges accrue and the daily balances together; and (3) dividing the sum of the daily balances by
are compounded on a daily basis. To determine the Interest Charges, we the number of days in the billing cycle.
multiply each Balance Subject to Interest Rate by its applicable Daily Periodic To calculate the daily balance for each day in this statement's billing cycle, we:
Rate and that result is multiplied by the number of days in the billing cycle. To (1) take the beginning balance; (2) add an amount equal to the applicable Daily
determine the total Interest Charge for the billing cycle, we add the Periodic Periodic Rate multiplied by the previous day's daily balance; (3) add new
Rate Interest Charges together. A Daily Periodic Rate is calculated by dividing Purchases, new Account Fees, and new Transaction Fees; and (4) subtract
an Annual Percentage Rate by 365. applicable payments and credits. If any daily balance is less than zero we treat
HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to it as zero.
posted balances. If your account has balances with different APRs, we will Average Balance Method (including new Balance Transfers and new Cash
allocate the amount of your payment equal to the Total Minimum Payment Due Advances): We calculate separate Balances Subject to an Interest Rate for
to the lowest APR balances first (including transactions made after this Balance Transfers, Cash Advances, and for each Introductory or Promotional
statement). Payment amounts in excess of your Total Minimum Payment Due Offer balance consisting of Balance Transfers or Cash Advances. We do this by:
will be applied to balances with higher APRs before balances with lower APRs. (1) calculating a daily balance for each day in this statement's billing cycle; (2)
IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE - When calculating a daily balance for each day prior to this statement's billing cycle
using the optional Pay-by-Phone service, you authorize us to initiate an that had a "Pre-Cycle balance" - a Pre-Cycle balance is a Balance Transfer or a
electronic payment from your account at the financial institution you designate. Cash Advance with a transaction date prior to this statement's billing cycle but
You must authorize the amount and timing of each payment. For your with a posting date within this statement's billing cycle; (3) adding all the daily
protection, we will ask for security information. To cancel, call us before the balances together; and (4) dividing the sum of the daily balances by the number
scheduled payment date. Same-day payments cannot be edited or canceled. of days in this statement's billing cycle.
YOUR CREDIT LINES - The Total Credit Line is the amount of credit To calculate the daily balance for each day in this statement's billing cycle, we:
available for the account; however, only a portion of that is available for Bank (1) take the beginning balance; (2) add an amount equal to the applicable Daily
Cash Advances. The Cash Credit Line is that amount you have available for Periodic Rate multiplied by the previous day's daily balance; (3) add new
Bank Cash Advances. Generally, Bank Cash Advances consist of ATM Cash Balance Transfers, new Cash Advances and Transaction Fees; and (4) subtract
Advances, Over the Counter (OTC) Cash Advances, Same-Day Online Cash applicable payments and credits. If any daily balance is less than zero we treat
Advances, Overdraft Protection Cash Advances, Cash Equivalents, and it as zero.
applicable transaction fees. To calculate a daily balance for each day prior to this statement's billing cycle
MISCELLANEOUS - Promotional Rate End Date: This date is based on a that had a Pre-Cycle balance: (1) we take the beginning balance attributable
future statement closing date. If you change your payment due date, this date solely to Pre-Cycle balance (which will be zero on the transaction date of the
could change. The New Balance Total which appears on this statement is not a first Pre-Cycle balance); (2) add an amount equal to the applicable Daily
payoff amount and may be subject to additional interest charges when you pay Periodic Rate multiplied by the previous day's daily balance; (3) and add only
in full after your statement closing date. Please contact the customer service the applicable Pre-Cycle balances and their related Transaction Fees. We
number located on the front of this statement for a pay-off amount. Virtual exclude from this calculation all transactions posted in previous billing cycles.
cards are the digital form of your eligible physical credit cards stored within a
digital wallet.
For the complete terms and conditions of your account, consult your Credit
© 2023 Bank of America Corporation Card Agreement. This account is issued and administered by Bank of America.
Bank of America is a registered trademark of Bank of America Corporation.
PAYMENTS - We credit mailed payments as of the date received, if the payment is: (1) received by 5 p.m. local time at the address shown on the remittance portion of your
monthly statement; (2) paid with a check drawn in U.S. dollars on a U.S. financial institution or a U.S. dollar money order; and (3) sent in the return envelope with only the remittance
portion of your statement accompanying it. Payments received by mail after 5 p.m. local time at the remittance address on any day including the Payment Due Date, but that otherwise
meet the above requirements, will be credited as of the next day. Payments made online or by phone will be credited as of the date of receipt if made by 5 p.m. Central. Credit for any
other payments may be delayed up to five days. Cash payments made with our tellers will only be accepted with a valid identification (ID).
No payment shall operate as an accord and satisfaction without the prior written approval of one of our Senior Officers.
We process most payment checks electronically by using the information found on your check. Each check authorizes us to create a one-time electronic funds transfer (or process it as a
check or paper draft). Funds may be withdrawn from your account as soon as the same day we receive your payment. Checks are not returned to you.
If you have authorized us to pay your credit card bill automatically from your savings or checking account with us, you can stop the payment on any amount you think is wrong. To stop
payment, your letter must reach us at least three business days before the automatic payment is scheduled to occur.
Change of Address/Phone number: Online at www.bankofamerica.com
Please do not add any written communication in this space.
AB
WALTER V RUIZ-ELIGIO ! Account # 4400 6682 8161 8431 ! April 24 - May 23, 2023
Transactions
Transaction Posting Reference Account
Date Date Description Number Number Amount Total
Payments and Other Credits
04/24 04/24 BA ELECTRONIC PAYMENT 3722 8431 -39.00
04/25 04/25 CASH REWARDS STATEMENT CREDIT 8910 8431 -64.70
04/25 04/25 BA ELECTRONIC PAYMENT 3552 8431 -600.00
05/08 05/09 BA ELECTRONIC PAYMENT 3680 8431 -4,000.00
TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD -$4,703.70
Purchases and Adjustments
04/27 04/28 AAA PA INSURANCE - R 800-924-6141 CA 7678 8431 100.40
05/09 05/11 PAYPAL *ALIPAYUSINC 4029357733 CA 5454 8431 9,784.05
TOTAL PURCHASES AND ADJUSTMENTS FOR THIS PERIOD $9,884.45
Interest Charged
05/23 05/23 INTEREST CHARGED ON PURCHASES 1.88
05/23 05/23 INTEREST CHARGED ON BALANCE TRANSFERS 0.00
05/23 05/23 INTEREST CHARGED ON DIR DEP&CHK CASHADV 0.00
05/23 05/23 INTEREST CHARGED ON BANK CASH ADVANCES 0.00
TOTAL INTEREST CHARGED FOR THIS PERIOD $1.88
2023 Totals Year-to-Date
Total fees charged in 2023 $78.00
Total interest charged in 2023 $230.59
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Type of Annual Promotional Promotional Promotional Balance Interest
Balance Percentage Transaction Offer ID Rate End Subject to Charges by
Rate Type Date Interest Transaction
Rate Type
Purchases 24.99%V $ 91.76 $ 1.88
Balance Transfers 24.99%V $ 0.00 $ 0.00
Direct Deposit and Check Cash 28.99%V $ 0.00 $ 0.00
Advances
Bank Cash Advances 28.99%V $ 0.00 $ 0.00
APR Type Definitions Daily Interest Rate Type: V= Variable Rate (rate may vary)
Page 3 of 8
WALTER V RUIZ-ELIGIO ! Account # 4400 6682 8161 8431 ! April 24 - May 23, 2023
Important Messages
You can request a copy of this statement in either Braille or Large Print by calling 800.432.1000 or going to bankofamerica.com and enter
Visually Impaired Access from the home page.
Please read about important amendment(s) to your Credit Card Agreement and/or notices for your account on the enclosed
Important Information page.
Please see important information entitled "Your Billing Rights" on the following pages.
Your Reward Summary
98.84 Base Cash Back Earned
64.70 Cash Back Redeemed
Make the most of your
98.84 Total Cash Back Available
rewards program today!
Page 4 of 8
WALTER V RUIZ-ELIGIO ! Account # 4400 6682 8161 8431 ! April 24 - May 23, 2023
Important Information
Please read the information below to stay informed about changes or other important
details that may impact you.
We are changing some terms of your Credit Card Agreement.
The amendment to your Credit Card Agreement is outlined below. All other terms of your current Credit Card
Agreement still apply. If there is a conflict, the terms in this amendment are in effect. Please keep this document
for your records.
We are making this amendment because of a change in our business practices.
What you need to know
We have removed from your Credit Card Agreement any Minimum Transaction fee for Balance Transfers, Cash
Advances (ATM, Cash Equivalent, Direct Deposit, Over the Counter, Same-Day Online, and Check Cash Advances),
and Wire Transfer Purchases, as applicable.
Under the heading TRANSACTION FEES in the INTEREST AND FEES section, we have removed any Minimum
Transaction fee (for example "(Fee: Min $10.00)") for Balance Transfer, Direct Deposit, Check Cash Advance, Cash
Equivalent, ATM Cash Advance, Over the Counter Cash Advance, Same-Day Online Cash Advance, and Wire
Transfer Purchase transactions, as applicable. The disclosed percentage amount for these Transaction fees remain
unchanged.
EQUAL CREDIT OPPORTUNITY ACT NOTICE
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of
race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding
contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant
has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers
compliance with this law concerning Bank of America, N.A., 100 N. Tryon Street, Charlotte, NC 28255, is the Bureau of
Consumer Financial Protection, 1700 G Street NW, Washington, DC 20006.
YOUR BILLING RIGHTS
Keep This Document For Future Use
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
What To Do If You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at:
Bank of America
P.O. Box 672050
Dallas, TX 75267-2050
In your letter, give us the following information:
● Account information: Your name and account number.
● Dollar amount: The dollar amount of the suspected error.
● Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe
it is a mistake.
Note: It is very helpful if your letter includes the transaction date and the reference number for the charge, if available.
You must contact us:
Page 5 of 8
WALTER V RUIZ-ELIGIO ! Account # 4400 6682 8161 8431 ! April 24 - May 23, 2023
● Within 60 days after the error appeared on your statement.
● At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think
is wrong.
You must notify us of any potential errors in writing or electronically using online or mobile banking. You may call us, but if you
do we are not required to investigate any potential errors and you may have to pay the amount in question.
What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:
1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have
already corrected the error.
2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is
correct.
While we investigate whether or not there has been an error:
● We cannot try to collect the amount in question, or report you as delinquent on that amount.
● The charge in question may remain on your statement, and we may continue to charge you interest on that amount.
● While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
● We can apply any unpaid amount against your Total Credit Line.
After we finish our investigation, one of two things will happen:
● If we determine there was a mistake: You will not have to pay the amount in question or any interest or other fees related
to that amount.
● If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and
fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as
delinquent, including to credit reporting agencies, if you do not pay the amount we think you owe.
If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still
refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must
tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter
has been settled between us.
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is
correct.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith
to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.
To use this right, all of the following must be true:
1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the
purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an
advertisement we mailed to you, or if we own the company that sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made with Cash Advances, for instance from an ATM or
with a check that accesses your credit card account, do not qualify.
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us electronically using online or
mobile banking or in writing at:
Page 6 of 8
WALTER V RUIZ-ELIGIO ! Account # 4400 6682 8161 8431 ! April 24 - May 23, 2023
Bank of America
P.O. Box 672050
Dallas, TX 75267-2050
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will
tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.
©2023 Bank of America Corporation. All rights reserved.
Page 7 of 8
WALTER V RUIZ-ELIGIO ! Account # 4400 6682 8161 8431 ! April 24 - May 23, 2023
This page intentionally left blank
Page 8 of 8
