JAMES L BESON How to reach us
Member Since 2003 Account number ending in: 2022 www.citicards.com
Billing Period: 12/15/16-01/13/17 1-855-378-6467 TTY: 1-866-210-0617
PO Box 790046 ST. LOUIS, MO 63179-0046
Account Summary
Minimum payment due: $25.00 Previous balance -$1.61
New balance: $34.46 Payments -$115.00
Credits -$0.00
Payment due date: 02/10/17 Purchases +$151.07
Make a payment now! www.payonline.citicards.com Cash advances +$0.00
Fees +$0.00
Late Payment Warning: If we do not receive your minimum payment by the Interest +$0.00
date listed above, you may have to pay a late fee of up to $37 and your APRs
may be increased up to the variable Penalty APR of 29.99%. New balance $34.46
For information about credit counseling services, call 1-877-337-8187.
Credit Limit
Credit Limit $16,500
Includes $3,300.00 cash advance limit
Available Credit Limit $16,465
Includes $3,300 available for cash advance
as of 01/13/17
$3.54
Pay online www.citicards.com
Minimum payment due $25.00
Pay by phone 1-855-378-6467
New balance $34.46
Pay by mail Use this coupon Payment due date 02/10/17
Enclose a valid check or money order payable
to Citi Cards. No cash or foreign currency. Amount enclosed: $
Write the last four digits of your
account number on your check.
Account number ending in 2022
Citi Cards
JAMES L BESON
PO BOX 78019
5344 S KENWOOD DR
Phoenix, AZ 85062-8019
MURRAY UT 84107-6226
JAMES L BESON www.citicards.com Page 2 of 2
1-855-378-6467 TTY: 1-866-210-0617
CARDHOLDER SUMMARY
JAMES L BESON Card ending in 2022
New Charges $58.05
MAURA K NAUGHTON Card ending in 2030
New Charges $93.02
Total Costco Cash Rewards Balance:
ACCOUNT SUMMARY
$3.54
Sale Post
Date Date Description Amount
Payments, Credits and Adjustments Costco Cash Rewards Summary
12/29 PAYMENT THANK YOU -$115.00 Costco Cash Rewards balance
as of last statement1 ......................... +$72.02
Your credit card reward certificate coming
JAMES L BESON in February Statement ........................ -$72.02
Standard Purchases
12/18 12/18 COSTCO GAS #0764 MURRAY UT $22.82 Earned this period................................ +$3.54
01/05 01/05 DTV*DIRECTV SERVICE 800-347-3288 CA $35.23
Total Costco Cash Rewards Balance
MAURA K NAUGHTON
Year To Date 1: $3.54
Standard Purchases
12/26 12/26 COSTCO GAS #0764 MURRAY UT $21.00
12/26 12/26 COSTCO WHSE #0764 MURRAY UT $72.02
Fees Charged
Costco Cash Rewards
TOTAL FEES FOR THIS PERIOD $0.00 Earned This Period
4% on eligible gas worldwide, including
Interest Charged gas at Costco2 ..................................... +$1.75
TOTAL INTEREST FOR THIS PERIOD $0.00
3% on restaurants................................ +$0.00
3% on eligible travel worldwide............. +$0.00
2017 totals year-to-date 2% on Costco and
Costco.com .......................................... +$1.44
Total fees charged in 2017 $0.00
Total interest charged in 2017 $0.00 1% on all other
purchases ............................................ +$0.35
Interest charge calculation Days in billing cycle: 30
Total Earned: $3.54
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Annual percentage Balance subject
Balance type rate (APR) to interest rate Interest charge
PURCHASES
Standard Purch 15.74%(V) $0.00 (D) $0.00
ADVANCES
Standard Adv 25.74%(V) $0.00 (D) $0.00
Your Annual Percentage Rate (APR) is the annual interest rate on your account. APRs followed by
(V) may vary. Balances followed by (D) are determined by the daily balance method (including
current transactions).
Account messages » Visit citi.com/Costco
Remember, any charges above your credit limit MUST BE PAID IN FULL by for more information
your statement's payment due date.
1
Please be sure to pay on time. If you submit your payment by mail, we suggest Includes 2016 rewards balance from your
you mail it no later than 02/03/2017 to allow enough time for regular mail to Costco card from American Express
2
reach us. Up to $7,000 per year in purchases, then
1% cash back
About Interest Charges Your Rights If You Are Dissatisfied With Your Credit Card Purchases.
How We Calculate Interest. We calculate it separately for each balance shown If you are dissatisfied with the goods or services that you have purchased with
in the Interest Charge Calculation table. We use the daily balance method your credit card, and you have tried in good faith to correct the problem with
(including new transactions). We figure the interest charge by multiplying the merchant, you may have the right not to pay the remaining amount due on
the daily balance by its daily periodic rate each day in the billing period. To get the purchase.
a daily balance, we take the balance at the end of the previous day, add the To use this right, all of the following must be true:
interest on the previous day’s balance and new charges, subtract new credits or 1. The purchase must have been made in your home state or within 100 miles of
payments, and make adjustments. The Balance Subject to Interest Rate is the your current mailing address, and the purchase price must have been more
average of the daily balances. than $50. (Note: Neither of these is necessary if your purchase was based on
Minimum Interest Charge. If a minimum interest charge applies to your an advertisement we mailed to you, or if we own the company that sold you
account, it will be at least $0.50. the goods or services.)
How to Avoid Paying Interest on Purchases. Your due date is at least 23 2. You must have used your credit card for the purchase. Purchases made with
days after the close of each billing period. We will not charge you any interest cash advances from an ATM or with a check that accesses your credit card
on purchases if you pay your New Balance by the due date each month. This is account do not qualify.
called a grace period on purchases. If you do not pay the New Balance in full by 3. You must not yet have fully paid for the purchase.
the due date, you will not get a grace period on purchases until you pay the New If all of the criteria above are met and you are still dissatisfied with the purchase,
Balance in full for two billing periods in a row. We will begin charging interest on contact us online or in writing at the Customer Service address shown on front
cash advances and balance transfers on the transaction date. of statement.
Your Rights 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
What To Do If You Find A Mistake On Your Statement. point, if we think you owe an amount and you do not pay, we may report you as
If you think there is an error on your statement, visit us online at the url above delinquent.
or write to the Customer Service address shown on the front. In your letter,
give us the following information: Notification of Disputed Item. You can file a billing dispute or check the status
• Account information: Your name and account number. of an existing dispute online at the url above. You can also check the status of an
• Dollar amount: The dollar amount of the suspected error. existing billing dispute by contacting the customer service number on the top of
• Description of problem: If you think there is an error on your bill, describe this page.
what you believe is wrong and why you believe it is a mistake. Other Account and Payment Information
You must contact us within 60 days after the error appeared on your statement. When Your Payment Will Be Credited. If we receive your payment in proper
You must notify us of any potential errors in writing. You may call us, but if you form at our processing facility by 5 p.m. local time there, it will be credited as
do we are not required to investigate any potential errors and you may have to of that day. A payment received there in proper form after that time will be
pay the amount in question. credited as of the next day. Allow 5 to 7 days for payments by regular mail to
While we investigate whether or not there has been an error, the following reach us. There may be a delay of up to 5 days in crediting a payment we
are true: receive that is not in proper form or not sent to the correct address. The correct
address for regular mail is the address on the front of the payment coupon.
• We cannot try to collect the amount in question, or report you as delinquent
The correct address for courier or express mail is the Express Payments Address
on that amount.
shown below.
• The charge in question may remain on your statement, and we may continue
Proper Form. For a payment sent by mail or courier to be in proper form, you must:
to charge you interest on that amount. But, if we determine that we made a
mistake, you will not have to pay the amount in question or any interest or • Enclose the attached payment coupon, with a valid check or money order.
other fees related to that amount. No cash or foreign currency please.
• While you do not have to pay the amount in question, you are responsible for • Include your name and the last four digits of your account number.
the remainder of your balance. How to Report a Lost or Stolen Card. Call the Customer Service number at the
• We can apply any unpaid amount against your credit limit. top of the page.
Balance Transfers. Balance Transfer amounts are included in the “Purchases”
line in the Account Summary.
Credit Reporting Disputes. We may report information about your account to
credit bureaus. If you think we’ve reported inaccurate information, please write
to us at the Customer Service address on your statement.
Payment Amount. You may pay all or part of your account balance at any
time. However, you must pay, by the payment due date, at least the minimum
payment due.
©2016 Citibank, N.A.
Citi, Citi with Arc Design are registered service marks of Citigroup Inc.
Visa® is a registered trademark of Visa International Service Association.
PDF-COSTCO-0716
Payments other than by mail
Online. Go to the URL on the front of your statement to make a payment. When
you enroll in Online Bill Pay you can schedule your payments up to ninety days
in advance using the “Other” payment option. For security reasons, you may
not be able to pay your entire new balance the first time you make a payment
online.
Phone. Call the phone number on the front of your statement to make a payment.
There is no fee for this service.
AutoPay. Visit autopay.citicards.com to enroll in AutoPay and have your
payment amount automatically deducted each month on your payment date
from the payment account you choose.
Express mail. Send payment by express mail to:
Citi Cards
Attention: Bankcard Payments Department
6716 Grade Lane
Building 9, Suite 910
Louisville, KY 40213
Crediting Payments other than by Mail. The payment cutoff time for Online
Bill Payments, Phone Payments, and Express mail payments is midnight Eastern
time. This means that we will credit your account as of the calendar day, based
on Eastern time, that we receive your payment request.
If you send an eligible check with this payment coupon, you authorize us to
complete your payment by electronic debit. If we do, the checking account
will be debited in the amount on the check. We may do this as soon as the
day we receive the check. Also, the check will be destroyed.
