MR ISHPREET MINHAS
CIBC Aventura® Visa Infinite TM Card Account number
4500 XXXX XXXX 5475
Statement Date
September 22, 2024
Your account at a glance September statement period
August 23 to September 22, 2024
Previous balance $1,445.47
Payments $1,000.00 Contact us
Customer Service 1 800 465-4653
Other credits 21.70 Lost/Stolen 1 800 663-4575
Total credits - $1,021.70 TTY 1 877 331-3338
Online www.cibc.com
Purchases 1,795.22
Cash advances 0.00 Summary Credit
Interest 30.55 Limit $34,000.00
Fees 0.00 Available $31,750.46
Total charges + $1,825.77 Interest rates Annual
Total balance = $2,249.54
*0201540000*
Regular purchases 20.99%
Cash advances 22.99%
Your payment due this month
Amount Due1 $2,249.54 Aventura Points summary
Minimum Payment 2 $40.55 As at last statement + 45716
Please pay this amount by Oct 18, 2024 This statement
Earned on net card purchases + 1772
*0201540000*
Total Aventura Points = 47488
Visit CIBCRewards.com or call CIBC Rewards
Centre at 1 888 232-5656 to book your travel.
Tear Off here Please turn over - Transactions begin on page 2 Page 1 of 4
CIBC Aventura Payment options Account number 4500 XXXX XXXX 5475
• Online Banking: www.cibc.com
Visa Infinite Card • Telephone Banking: 1 800 465-CIBC (2422) Amount Due $2,249.54
• CIBC bank machines and most financial
institutions Minimum Payment due by
• Mail: Return completed slip with your cheque Oct 18, 2024 $40.55
or money order payable to CIBC.
For general inquiries call Total payment enclosed $_____________
1 800 465-4653
Do not staple or attach correspondence.
015348
MR ISHPREET MINHAS
188-015348
103-14605 MCDOUGALL DR
SURREY BC V4P 0G7 CIBC
PO BOX 4595 STN A
TORONTO ON M5W 4X9
00004500033715255475000000022495400000000040552
Transactions from August 23 to September 22, 2024
Your payments
Trans Post
date date Description Amount($)
Aug 31 Sep 04 PAYMENT THANK YOU/PAIEMENT MERCI 600.00
Sep 01 Sep 04 PAYMENT THANK YOU/PAIEMENT MERCI 400.00
Total payments $1,000.00
Your interest
Trans Post
date date Description Annual interest rate Amount($)
Sep 22 Sep 22 REGULAR PURCHASES 20.99% 30.55
Total interest this period $30.55
Your new charges and credits
Trans Post
date date Description Spend Categories Amount($)
Card number 4500 XXXX XXXX 5475
Aug 20 Aug 23 BC PARKS CAMPING VICTORIA BC Professional and Financial Services -21.70
Aug 23 Aug 23 CINEPLEX REC ROOM #300 EDMONTON AB Hotel, Entertainment and Recreation 200.06
Sep 09 Sep 10 UBER CANADA/UBEREATS TORONTO ON Restaurants 77.19
Sep 11 Sep 12 AIRTRANSAT. TQR789 QUEBEC QC Transportation 487.65
Sep 11 Sep 12 AIRTRANSAT. HLJSLU QUEBEC QC Transportation 487.65
Sep 11 Sep 13 DELTA AIR 0066032845002MONTREAL QC Transportation 542.67
Total for 4500 XXXX XXXX 5475 $1,773.52
Page 2 of 4
Information about your CIBC Aventura Visa Infinite Card account
If you find an error or irregularity (including possible unauthorized or Amount Due, your payment due date will change back to your regular 2
Minimum Payment is the minimum amount you must pay this
fraudulent Transactions) in this statement you must tell us within 30 payment due date. month and it includes your monthly installment payments due (if
days of this Statement Date. If you do not, we may regard this statement applicable).
as final (except for credits posted in error). Your statement (including the Balance and Minimum Payment) only
How we charge interest:.. If interest is charged on a Purchase, it reflects Transactions that were posted as of the Statement Date. If you
is charged retroactively from the Transaction date. You have a minimum made a payment but it has not yet been posted, it will appear on your For more information, please refer to the CIBC Cardholder Agreement.
21 day interest-free grace period for new Purchases. You can avoid next monthly statement and any interest charges will be adjusted based
interest on those new Purchases by paying your new balance in full by on the transaction date and payment amount. The payment due date is TM* Trademark of CIBC.
the payment due date. determined under Eastern Standard Time (EST) meaning payments are ® Registered trademark of CIBC.
Interest is charged on Cash Advances from the date they are taken. considered received by us on the payment due date if made by 11:59pm
Interest is charged on Convenience Cheques and Balance Transfers from EST. Payments made by mail or through another financial institution
the date they are posted to your credit card account. We stop charging can take several days to be received by us. Please make your payments
interest on the day we receive a payment which covers the amount of accordingly. Check CIBC Online Banking for the status of your payments
the Purchase, Cash Advance, Balance Transfer or Convenience Cheque, and your most up to date Balance.
as the case may be, as described in the Application of Payments section
of your CIBC Cardholder Agreement. **Foreign currency Transactions, except Convenience Cheques, are
converted to Canadian dollars on or after the Transaction date and no
If you choose to convert an eligible Purchase into an Installment Plan, later than the Transaction posting date. At the time of currency
interest will be charged on that Installment Plan at the interest rate you conversion, you are charged the same conversion rate CIBC must pay,
agreed to at the time of conversion and in the manner set out in the plus a fee of 2.5% of the converted amount, on both debits and credits.
Installment Plan Terms and Conditions. We convert a foreign currency Convenience Cheque or payment at our
branch selling rate for Canadian dollars in effect at the time we process
Payment period extensions:. If you didn't pay the Amount Due it.
on your last monthly statement, we have extended your payment due
1Amount Due is the amount you must pay if you want to avoid
date this month to give you extra time to make your payment. Interest
will continue to accrue for the extended period. When we receive your interest on your regular purchases shown on this statement.
Prepared for: MR ISHPREET MINHAS August 23 to September 22, 2024 Account number: 4500 XXXX XXXX 5475
CIBC CreditSmartTM* Spend Report
This month Year-to-date
Spend Categories Transactions Amount($) Budget ($) Difference ($) Transactions Amount ($)
Personal and Household Expenses 0 0.00 - - 2 90.08
Professional and Financial Services 1 -21.70 - - 9 2,531.30
Retail and Grocery 0 0.00 - - 10 938.68
Transportation 3 1,517.97 - - 29 6,500.20
Hotel, Entertainment and Recreation 1 200.06 - - 9 1,129.95
Restaurants 1 77.19 - - 46 2,119.09
Home and Office Improvement 0 0.00 - - 1 866.25
Health and Education 0 0.00 - - 2 153.81
Cash Advances, Balance Transfers, 0 0.00 - - 1 501.00
CIBC GMT
Foreign Currency Transactions 0 0.00 - - 30 14,674.74
Total 6 1,773.52 139 $29,505.10
*0202550000*
Transactions are assigned a spend category based on where the goods or services are purchased, not on what was purchased. For example,
items purchased at a convenience store in a gas station will appear under Transportation, not Retail and Grocery.
A negative difference (–) means you spent more than you budgeted.
Amount($) Budget ($) Difference ($)
Total Monthly Budget 1,773.52 - -
*0202550000*
Reminder: If you only make the minimum payment every month, it will take approximately 18 year(s) and 6 month(s) to pay the
total balance shown on this statement. This estimate assumes each statement period is 30 days and that you pay your minimum
payment on time every month.
Your message centre
We are writing about your CIBC credit card account to advise that we have recently reviewed your CIBC credit card account
and within the last 12 monthly statement periods you have missed a Required Payment by the payment due date. Your interest
rate may increase if you miss another payment due date. If you do not make your Required Payment by the payment due date
2 times in any 12 month period, your annual interest rates will increase to 25.99% on Purchases and 27.99% on Cash
Advances, Balance Transfers and Convenience Cheques unless we notify you otherwise. This increase would be effective in the
third statement period following the missed payment that caused the rate to increase. If you have active Installment Plans on
your account, the annual interest rate applicable to the Installment Plan will not change.
To help you keep track of your upcoming payments we encourage you to enroll for our free CIBC Online Banking minimum
payment due alerts. This alert will notify you 5 calendar days before your credit card payment is due. To sign up, please go to
www.cibc.com and sign on to CIBC Online Banking and visit the Manage My Alerts section. Also, visit www.cibc.com for tips
and advice to prevent late payments and help get the best from your CIBC credit card.
Capitalized terms used in this message have the meanings given to them in your CIBC Cardholder Agreement.
Earn Aventura Points everywhere you shop! Use your CIBC Aventura Visa Infinite Card for kitchen appliances, concert tickets,
pet food and all other eligible purchases to earn rewards on your everyday spend. Visit CIBC.com/aventurainfinite for more
ways to earn.
Need help spreading your payments out? We got you covered with CIBC Pace It TM , where you can pay off eligible credit card
purchases with our Installment Plans at low interest rates, no additional credit checks required. To get started, go to your
-188-015348
credit card transaction history in CIBC Online Banking or the Mobile Banking app and choose a purchase with an "Eligible for
Installments" label. To learn more, visit CIBC.com/paceit.
Page 3 of 4
Your message centre (continued)
Use your Aventura points to help pay down your credit card balance or contribute them to financial products, including your
CIBC RRSP, TFSA, mortgage and more. To explore all the ways to use your points, simply sign on to your CIBC Online Banking
or Mobile Banking app and click CIBC Rewards from the main menu, or from your credit card details page. Terms and
conditions apply. Visit CIBC.com to learn more.
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