p.
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10/28/18
EGAN LO Account :
251 W 73RD ST XXXX-XXXXX9-12004
GROUND FLOOR
NEW YORK NY 10023-8810
Dear EGAN LO,
We are writing to provide you with an important notice regarding the account referenced
above. You can find this information on the back of this letter or on the additional page(s)
enclosed. Please review and keep this notice for your reference.
As a reminder, you can always manage your account by logging in to
americanexpress.com. If you have any questions, call us at the number on the back of
your Card or at 1-800-528-4800.
We hope you find this information helpful.
Sincerely,
American Express Customer Care
EGAN LO
251 W 73RD ST
GROUND FLOOR
NEW YORK NY 10023-8810
499913333497851028
EGAN LO Account Ending 9-12004 p. 2/4
Blue Delta SkyMiles® Credit Card p. 3/4
EGAN LO
Closing Date 10/28/18 Account Ending 9-12004
Notice of Important Changes to Your Cardmember Agreement
We are making changes to your account terms, which are contained in the American Express Cardmember
Agreement ("Agreement") governing your Account referenced in this notice. We urge you and any Additional
Cardmembers on your Account to read the below notice carefully and file it along with your Agreement in a safe
place for future reference.
Summary of Changes
Plan Fee (Fixed Effective immediately, we are revising this row in the Rates and Fees Table
Finance Charge) to provide additional clarity that the plan fee for any plan is billed on a monthly
basis.
About the Plan It Effective February 1, 2019, we are revising this sub-section under About
feature using your card to specify that you may be able to include multiple qualifying
purchases into a single plan, at our discretion.
ID12692
See the following page for the Detail of Important Changes to Your Agreement.
CMLENDDMRUS0279
EGAN LO Account Ending 9-12004 p. 4/4
Details of Important Changes to Your Cardmember Agreement
This notice amends the Cardmember Agreement (the "Agreement") as described below. We have the right to
amend it as described in the Agreement. Any terms in the Agreement conflicting with this change are replaced
fully and completely. Terms not changed by this notice remain in full force and effect. We encourage you to read
this notice, share it with Additional Cardmembers on your account, and file it for future reference. If you have any
questions about this change, please call the number on the back of your Card.
Effective immediately, the Rates and Fees Table in Part 1 of the Cardmember Agreement is amended by
revising the Plan Fee (Fixed Finance Charge) row to add a reference to "monthly" to clarify that the Plan Fee is
charged on a monthly basis.
Effective February 1, 2019, the About using your card section in Part 2 of your Cardmember Agreement is
amended by deleting the About the Plan It feature sub-section and replacing it with the following:
About We may offer you Plan It, which allows Your ability to initiate new plans will be based on a
the you to create a payment plan for qualifying variety of factors such as your creditworthiness or
Plan It purchases, subject to a plan fee. This fee is your Credit Limit. You will not be able to initiate
feature a fixed finance charge that will be charged plans if your Account is cancelled. You will also
each month that a plan is active. not be able to initiate plans if one or more of your
American Express accounts is enrolled into a
You may use this feature by selecting a debt management program, or has a payment
qualifying purchase(s) and a plan duration. that is returned unpaid, or is delinquent. We will
You will be able to view the monthly plan tell you the number of active plans you may have
payments, including the plan fee, for your and we may change this number at any time. The
selection. Each plan fee will be disclosed plan durations offered to you, and your ability to
prior to your establishing the applicable include multiple qualifying purchases into a single
plan and will be based on the plan duration, plan, will be at our discretion and will be based on
the APR that would otherwise apply to the a variety of factors such as your creditworthiness,
purchase(s), and other factors. When you the amount of the purchase(s), and your Account
set up a plan, the purchase(s) will be moved history.
to a plan balance and will be subject to a
plan fee instead of the APR for purchases. Plans cannot be cancelled after they have been
set up but you can choose to pay them early by
A qualifying purchase for Plan It is a paying the New Balance shown on your most
purchase of at least a specified dollar recent billing statement in full. If you pay a plan
amount and does not include a purchase off early, you will not incur any future plan fees on
of cash or cash equivalents, or a purchase that plan.
subject to Foreign Transaction Fees or
any fee owed to us, including Annual
Membership fees.
CMLENDDMRUS0279
