americanexpress.co.
uk
Customer Service
0800 917 8047
American Express
Services Europe Ltd.
Dept 871
1 John Street,
Brighton
BN88 1NH
Statement of Account Page 1 of 6 England
Prepared for Membership Number Date
ANDY T KELLY xxxx-xxxxxx-29001 26/10/24
Account Summary Statement includes payments and charges received by 26 October 2024
Previous Closing Balance New Credits New Debits Closing Balance
£164.88CR - £50.00 + £303.95 = £89.07
Minimum Repayment Payment Due Date
£25.00 20 November 2024
If you do not pay the Closing Balance in full we will allocate your payment to the outstanding balance in a specific order which is set out in the
summary box contained in this statement. The way in which payments are allocated can make a significant difference to the amount of
interest you will pay until the balance is cleared completely. If you only make the minimum payment each month, it will take you longer and
cost you more to clear the balance. If you are unable to make the minimum payment please contact us as soon as possible by calling the
Customer Service number above.
In these unprecedented times we want to make sure we can keep in touch with all our Cardmembers should there be
disruption to our ability to deliver paper communications.
To switch to paperless please visit the Amex App (click on the Account tab), or log on to
global.americanexpress.com/account-management/paperless-settings
Estimated Interest next month assuming you only pay the minimum payment amount £2.99.
Please send your minimum repayment of £25.00 by the due date shown.
Your next annual Cardmembership fee will be automatically applied on the statement following the date of the Fee Due Date.
If you are being provided with repayment support, your cardmembership fee may be waived as part of this. We would confirm
this to you when entering any payment relief or repayment arrangement with us.
Statement Period From 27 September to 26 October 2024
Next Cardmembership Fee Date 02/11/2024
Credit Summary Credit Limit £ Available Credit Limit £ Available Cash Limit £
At 26 October 2024 5,400.00 5,310.93 1,080.00
American Express Services Europe Limited has its registered office at Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX,United Kingdom. It is
registered in England and Wales with Company Number 1833139 and authorised and regulated by the Financial Conduct Authority.
Private & Confidential
ANDY T KELLY
56 CLIFFE LANE SOUTH
BAILDON
SHIPLEY
W YORKSHIRE BD17 5LB
UNITED KINGDOM
Statement of Account Page 2 of 6
Prepared for Membership Number Date
ANDY T KELLY xxxx-xxxxxx-29001 26/10/24
Rates of Interest Compound Simple
Annual Rate Monthly Rate
Goods And Services 34.9% 2.52%
Cash Advance 38.0% 2.72%
Balance Transfer 34.9% 2.52%
For more information about interest rates, visit americanexpress.co.uk/interest
Transaction Process
Date Date Transaction Details Foreign Spend Amount £
Oct 17 Oct 17 PAYMENT RECEIVED - THANK YOU 50.00
CR
Sep 28 Sep 28 HOTEL ON BOOKING.COM AMSTERDAM 200.00
Oct 18 Oct 19 YAHOO *MAIL PLUS 866-562-7228 5.00 3.95
UNITED STATES DOLLAR
Exchange Rate 1.3020 + Nonsterling Transaction Fee .11
Oct 22 Oct 22 HOTEL ON BOOKING.COM AMSTERDAM 100.00
Total new spend transactions for ANDY T KELLY 303.95
How you can pay your statement
You must pay from a personal account in your own name. If you do not, you may experience disruption to your Account with us.
If you are unable to pay your Account this way due to personal circumstances, please contact us to discuss this.
All transactions are subject to additional checks and we may contact you for further information.
Direct Debit - Payment will be collected from your bank account on the Direct Debit due date listed on the front of your statement. Enrol in
Direct Debit at global.americanexpress.com/direct-debits/enroll For any enquiries about Direct Debit enrolment, please call us on the
number at the back of your Card.
Debit Card - Log in to the American Express App, online at americanexpress.co.uk or call us on the number on the back of your Card. Please
have your account number and debit card available when you call. Debit card payments will usually update your balance displayed on our
website, mobile handsets and automated telephone service as soon as your payment is authorised.
Internet Banking - Please use account name American Express Services Europe Limited, sort code 30-00-00, account number 00200476
and make sure you use your 15 digit American Express Account Number as the reference. Your payment will update your balance displayed
on our website, mobile handsets and automated telephone service as soon as they have been received.
CHAPS payment - Please use account name American Express Services Europe Limited, sort code 30-00-02 and account number
00888082 and make sure you use your 15 digit American Express Account Number as the reference.
International payment - Please use the following bank details : Swift reference: LOYDGB2LCTY, IBAN: GB65LOYD30000200888082
Please Note: If you have a Direct Debit set-up on your Account, please avoid making payments four working days prior to Direct Debit
collection date to avoid duplicate payments.
Statement of Account Page 3 of 6
Prepared for Membership Number Date
ANDY T KELLY xxxx-xxxxxx-29001 26/10/24
Membership Rewards - Classic Membership Rewards Account Number
8269-5349-0056
Period 20/09/24 to 19/10/24
Previous New Points Points New
Points Balance Points Earned* Bonus Points Adjustments Redeemed Points Balance
5,644 203 0 0 0 5,847
For enquiries call
Membership Rewards on 0800 917 8053 or +44 (0) 01273 863863
Conversion rate text
Points Card Type Card Number Points
Earned UK PLATINUM MR xxxxxxxxxx29001 203
Total Points Earned 203
Cardmember Offers and Information
If you are direct debit enrolled, from 1 November 2024 statements onwards,
we are changing when Direct Debit payments to American Express will be collected.
The date we collect your direct debit is still shown on your statement.
You can adjust your statement date, and therefore when your Direct Debit is normally taken each month, by
contacting us.
Important changes to your Travel Assistance Benefits Provider:
From 1 January 2025, we are changing our travel assistance benefits partner from AXA to Europ Assistance.
As part of your Card benefits and to continue to support you every day and while travelling, we are announcing our new
partnership with Europ Assistance. Starting 1 January 2025, Europ Assistance will support you in providing travel assistance
24/7, in more than 200 countries and territories, through a network of 750,000 accredited partners and 57 assistance
centres.
This cover continues to be provided as part of your Card benefits, at no additional cost.
What's in it for you?
Europ Assistance's new terms and conditions will mostly be the same as AXA's except for the changes and clarifications set
out in the Important Information summary found by visiting go.amex/insurance-terms. This means that you will benefit from
the same Travel Assistance Guarantees.
Assistance Guarantees will be managed by AXA until 31 December 2024 inclusive, then by Europ Assistance from 1 January
2025.
The changeover is automatic, so you will not need to take any action to remain covered by your assistance benefits.
Accessing your insurance services online.
You will be able to access AXA's online services via your insurance portal americanexpress.com/uk/insuranceportal for trips
made prior to 31 December 2024 inclusive.
For trips starting from 1 January 2025, you will be able to access Europ Assistance online services and claims submissions via
their insurance portal. This will be available at americanexpress.com/uk/insuranceportal from 1 January 2025. From there,
you will need to set up and create your new online account and submit your travel incident claims.
Would you like more information?
We encourage you to read your Insurance Terms & Conditions in full by visiting go.amex/insurance-terms. Please keep a copy
for your reference.
Statement of Account Page 4 of 6
Prepared for Membership Number Date
ANDY T KELLY xxxx-xxxxxx-29001 26/10/24
Cardmember Offers and Information
If you require additional support in accessing this document, or have any questions, please contact us via Live Chat by visiting
americanexpress.com/uk/contact-us/ or calling the number on the back of your card.
Please also visit go.amex/insurance-faqs for frequently asked questions that will provide you more guidance about this
change.
What action do I need to take?
You don't need to do anything and these Card benefit changes will happen automatically.
If you have any questions about the changes we're making let us know via Live Chat through
americanexpress.com/uk/contact-us/. Alternatively, you can call the number on the back of your card.
If you have any support needs that you feel we should be aware of (for example a disability or a life event), please get in
contact with us so we can confidentially note any relevant, appropriate information to better service your Account(s). If you
need this communication in an alternative format such as large print or braille, please contact us and we can provide one.
Statement of Account Page 5 of 6
Prepared for Membership Number Date
ANDY T KELLY xxxx-xxxxxx-29001 26/10/24
.
Summary Box
The information contained in this table summarises key product features not displayed elsewhere on the statement and is not intended to
replace any terms and conditions.
Interest Free Maximum 56 days on purchases if you pay the full amount you owe on each statement date on time every
Period month. No interest-free period on balance/money transfers or cash advances (subject to any interest-free
promotional offer).
Interest Charging Purchases - We won't charge interest on purchases if you pay the full amount you owe on each statement
Information date on time every month. Otherwise we'll charge interest daily from the date an amount is charged to your
account until it's paid in full.
Cash Advances and Balance/Money Transfers - We'll charge interest daily on cash advances and
balance/money transfers from the date the Transaction is applied to your account until it's paid in full (subject
to any promotional offers).
Instalment Plans - You'll pay a monthly fee for an Instalment Plan, but no interest will be charged on the
balance in an Instalment Plan or on the monthly fee.
.
Explaining Interest Simple Rates - We use the Simple Rate to work out the interest due on your unpaid transactions including any
Rates unpaid interest. We calculate this interest daily. We add the total of the daily interest to your account every
month on your statement date. This rate moves moves in line with the Bank of England Base Rate.
Compounding Interest - If you do not pay your balance in full each month by the date set out in your
statement we'll charge interest on any unpaid interest that has fallen due even where you pay the minimum
payment. This is called 'compounding' and means that you are paying interest on interest.
We have provided the Compound Rates for information only. This is to show you the effect of compounding on
the Simple Rate over the course of a year. Because the Compound Rate takes account of the payment of
interest on interest, it will be higher than your Simple Interest Rate. We don't use the Compound Rate to work
out the interest you owe. You can find out more information about interest rates visiting
americanexpress.co.uk/interest.
Allocation of If the amount you pay is less than the full amount you owe, we'll use your payment to pay off arrears before
Payments other amounts you owe us. We'll then pay off the monthly instalment amount and monthly instalment fee that
you owe in relation to any Instalment Plan.
We'll then pay off the remaining amounts you owe at the highest interest rates before amounts charged at
lower interest rates. We'll also apply payments to amounts that have appeared on your statements before
amounts that have not yet appeared on your statements.
.
Minimum The minimum payment is the higher of the following amounts:
Repayment (1) £25 (or the total amount you owe if less); or
(2) an amount equal to the total of:
·any interest, default fees, repayment protection insurance applied to your current month's statement;
·1/12th of any annual cardmembership fee or the full monthly fee (if applicable to the product you
hold);
·the monthly instalment amount and the monthly instalment fee due in respect of any Instalment Plan;
·plus 2% of the amount you owe on the account excluding any Instalment Plan balances.
A different minimum payment may apply if you are in a Financial Relief Programme.
Financial Relief Whilst you are on a Financial Relief Programme (if applicable), the minimum payment amount will always be at
Programmes least equal to any interest, default fees and 1/12th of any annual cardmembership fee or the full monthly fee (if
applicable to the product you hold) plus 1% of the amount you owe on the account upon entry into the
Financial Relief Programme (subject to a minimum of £5).
Fees A cardmembership fee may be payable, please see your credit card agreement for more information.
Charges > Cash Advance Fee 3% (£3 minimum) of the amount of the cash
> Balance/Money Transfer Fee 3% of the amount of the transfer
> Copy Statement Fee £2 for each additional copy of a paper statement
Foreign Usage American Express Exchange Rate You can find our rates by calling us.
Non-Sterling Transaction Fee 2.99% of the amount after we've converted a transaction into sterling.
Have you changed your address?
You can update your address in the following ways;
> Online at americanexpress.co.uk
> By Telephone, you can call Customer Services 24 hours a day 7 days a week. You may need to have your American Express Card with you
> Or by post
Online Services
You can manage your Card Account Online and also view your latest rewards and offers. Register your email address today to be the first to
hear about great offers at americanexpress.co.uk
Statement of Account Page 6 of 6
Prepared for Membership Number Date
ANDY T KELLY xxxx-xxxxxx-29001 26/10/24
Default > Late Payment Fee £12
Charges > Returned Payment Fee £12
Dispute If you have a problem with your agreement, please try to resolve it with us in the first instance. If you are not happy
Resolution with the way in which we handled your complaint or the result, you may be able to complain to the Financial
Ombudsman Service. If you do not take up your problem with us first you will not be entitled to complain to the
Ombudsman. We can provide details of how to contact the Ombudsman.
Have you changed your address?
You can update your address in the following ways;
> Online at americanexpress.co.uk
> By Telephone, you can call Customer Services 24 hours a day 7 days a week. You may need to have your American Express Card with you
> Or by post
Online Services
You can manage your Card Account Online and also view your latest rewards and offers. Register your email address today to be the first to
hear about great offers at americanexpress.co.uk
