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1/5
MIRZA S BAIG Customer Care: 1-888-258-3741
Closing Date 04/06/21 TTY: 1-800-221-9950
Account Ending 3-91004 Website: americanexpress.com
Membership Rewards® Points
New Balance $3,418.17 Available and Pending as of 02/28/21
Minimum Payment Due $68.36 6,309
For up to date point balance and full program
details, visit membershiprewards.com
Payment Due Date 05/01/21 Account Summary
Late Payment Warning: If we do not receive your Minimum Payment Due by Previous Balance $826.05
the Payment Due Date of 05/01/21, you may have to pay a late fee of up to Payments/Credits -$826.05
$40.00 and your APRs may be increased to the Penalty APR of 29.99%. New Charges +$3,418.17
Fees +$0.00
Interest Charged +$0.00
Minimum Payment Warning: If you have a Non-Plan Balance and make only the New Balance $3,418.17
minimum payment each period, you will pay more in interest and it will take you longer Minimum Payment Due $68.36
to pay off your Non-Plan Balance. For example:
Credit Limit $18,000.00
If you make no additional You will pay off the balance And you will pay an Available Credit $14,581.83
charges and each month shown on this statement in estimated total of...
Cash Advance Limit $3,600.00
you pay... about...
Available Cash $3,600.00
Only the
11 years $6,386
Minimum Payment Due
$4,284
$119 3 years (Savings = $2,102)
If you would like information about credit counseling services, call 1-888-733-4139.
See page 2 for important information about your account.
Please refer to the IMPORTANT NOTICES section on
page 5.
Please fold on the perforation below, detach and return with your payment
Payment Coupon Pay by Computer Pay by Phone Account Ending 3-91004
Do not staple or use paper clips americanexpress.com/pbc 1-800-472-9297
Enter 15 digit account # on all payments.
Make check payable to American Express.
MIRZA S BAIG Payment Due Date
1858 YATES MILL CT 05/01/21
HIGH POINT NC 27265-9006
New Balance
$3,418.17
Minimum Payment Due
$68.36
See reverse side for instructions AMERICAN EXPRESS
P.O. BOX 1270
$ .
Amount Enclosed
on how to update your address,
phone number, or email. NEWARK NJ 07101-1270
MIRZA S BAIG Account Ending 3-91004 p. 2/5
Payments: Your payment must be sent to the payment address shown on represents money owed to you. If within the six-month period following
your statement and must be received by 5 p.m. local time at that address to the date of the first statement indicating the credit balance you do not
be credited as of the day it is received. Payments we receive after 5 p.m. will request a refund or charge enough to use up the credit balance, we will
not be credited to your Account until the next day. Payments must also: (1) send you a check for the credit balance within 30 days if the amount is
include the remittance coupon from your statement; (2) be made with a $1.00 or more.
single check drawn on a US bank and payable in US dollars, or with a Credit Reporting: We may report information about your Account to credit
negotiable instrument payable in US dollars and clearable through the US bureaus. Late payments, missed payments, or other defaults on your
banking system; and (3) include your Account number. If your payment Account may be reflected in your credit report.
does not meet all of the above requirements, crediting may be delayed and What To Do If You Think You Find A Mistake On Your Statement
you may incur late payment fees and additional interest charges. Electronic If you think there is an error on your statement, write to us at:
payments must be made through an electronic payment method payable American Express, PO Box 981535, El Paso TX 79998-1535
in US dollars and clearable through the US banking system. Please do not You may also contact us on the Web: www.americanexpress.com
send post-dated checks as they will be deposited upon receipt. Any In your letter, give us the following information:
restrictive language on a payment we accept will have no effect on us - Account information: Your name and account number.
without our express prior written approval. We will re-present to your - Dollar amount: The dollar amount of the suspected error.
financial institution any payment that is returned unpaid. - Description of Problem: If you think there is an error on your bill,
Permission for Electronic Withdrawal: (1) When you send a check for describe what you believe is wrong and why you believe it is a mistake.
payment, you give us permission to electronically withdraw your payment You must contact us within 60 days after the error appeared on your
from your deposit or other asset account. We will process checks statement.
electronically by transmitting the amount of the check, routing number, You must notify us of any potential errors in writing [or electronically]. You
account number and check serial number to your financial institution, may call us, but if you do we are not required to investigate any potential
unless the check is not processable electronically or a less costly process is errors and you may have to pay the amount in question.
available. When we process your check electronically, your payment may While we investigate whether or not there has been an error, the following
be withdrawn from your deposit or other asset account as soon as the same are true:
day we receive your check, and you will not receive that cancelled check - We cannot try to collect the amount in question, or report you as
with your deposit or other asset account statement. If we cannot collect the delinquent on that amount.
funds electronically we may issue a draft against your deposit or other asset - The charge in question may remain on your statement, and we may
account for the amount of the check. (2) By using Pay By Computer, Pay By continue to charge you interest on that amount. But, if we determine that
Phone or any other electronic payment service of ours, you give us we made a mistake, you will not have to pay the amount in question or any
permission to electronically withdraw funds from the deposit or other asset interest or other fees related to that amount.
account you specify in the amount you request. Payments using such - While you do not have to pay the amount in question, you are responsible
services of ours received after 8:00 p.m. MST may not be credited until the for the remainder of your balance.
next day. - We can apply any unpaid amount against your credit limit.
How We Calculate Your Balance: We use the Average Daily Balance (ADB) Your Rights If You Are Dissatisfied With Your Credit Card Purchases
method (including new transactions) to calculate the balance on which we If you are dissatisfied with the goods or services that you have purchased
charge interest on your Account. Call the Customer Care number on page 3 with your credit card, and you have tried in good faith to correct the
for more information about this balance computation method and how problem with the merchant, you may have the right not to pay the
resulting interest charges are determined. The method we use to figure the remaining amount due on the purchase.
ADB and interest results in daily compounding of interest. To use this right, all of the following must be true:
Paying Interest: Your due date is at least 25 days after the close of each 1. The purchase must have been made in your home state or within 100
billing period. We will not charge you interest on your purchases if you pay miles of your current mailing address, and the purchase price must have
each month your entire balance (or Adjusted Balance if applicable) by the been more than $50. (Note: Neither of these is necessary if your purchase
due date each month. We will charge you interest on cash advances and was based on an advertisement we mailed to you, or if we own the
(unless otherwise disclosed) balance transfers beginning on the transaction company that sold you the goods or services.)
date. 2. You must have used your credit card for the purchase. Purchases made
Foreign Currency Charges: If you make a Charge in a foreign currency, we with cash advances from an ATM or with a check that accesses your credit
will convert it into US dollars on the date we or our agents process it. We card account do not qualify.
will charge a fee of 2.70% of the converted US dollar amount. We will 3. You must not yet have fully paid for the purchase.
choose a conversion rate that is acceptable to us for that date, unless a If all of the criteria above are met and you are still dissatisfied with the
particular rate is required by law. The conversion rate we use is no more purchase, contact us in writing or electronically at:
than the highest official rate published by a government agency or the American Express, PO Box 981535, El Paso TX 79998-1535
highest interbank rate we identify from customary banking sources on the www.americanexpress.com
conversion date or the prior business day. This rate may differ from rates in While we investigate, the same rules apply to the disputed amount as
effect on the date of your charge. Charges converted by establishments discussed above. After we finish our investigation, we will tell you our
(such as airlines) will be billed at the rates such establishments use. decision. At that point, if we think you owe an amount and you do not pay
Credit Balance: A credit balance (designated CR) shown on this statement we may report you as delinquent.
Pay Your Bill with AutoPay
Deduct your payment from your bank
account automatically each month.
- Avoid late fees
- Save time
Change of Address, phone number, email
Visit americanexpress.com/autopay
- Online at www.americanexpress.com/updatecontactinfo today to enroll.
- Via mobile device
- Voice automated: call the number on the back of your card
- For name, company name, and foreign address or phone changes, please call Customer Care
Please do not add any written communication or address change on this stub For information on how we protect your
privacy and to set your communication
and privacy choices, please visit
www.americanexpress.com/privacy.
Blue from American Express® p. 3/5
MIRZA S BAIG
Closing Date 04/06/21 Account Ending 3-91004
Customer Care & Billing Inquiries 1-888-BLUE-741 Hearing Impaired
1-888-258-3741 TTY: 1-800-221-9950 Website: americanexpress.com
International Collect 1-336-393-1111 FAX: 1-623-707-4442
Large Print & Braille Statements 1-888-BLUE-741 In NY: 1-800-522-1897 Customer Care
1-888-258-3741 & Billing Inquiries Payments
Cash Advance at ATMs Inquiries 1-800-CASH-NOW P.O. BOX 981535 P.O. BOX 1270
EL PASO, TX NEWARK NJ 07101-
79998-1535 1270
Payments and Credits
Summary
Total
Payments -$826.05
Credits $0.00
Total Payments and Credits -$826.05
Detail *Indicates posting date
Payments Amount
03/16/21* MIRZA S BAIG ELECTRONIC PAYMENT RECEIVED-THANK -$826.05
New Charges
Summary
Total
MIRZA S BAIG 3-91004 $566.63
SARAH BAIG 3-91012 $2,851.54
Total New Charges $3,418.17
Detail
MIRZA S BAIG
Card Ending 3-91004
Amount
03/09/21 NETFLIX.COM 866-579-7172 CA $14.93
NETFLIX.COM
03/25/21 NORTH STATE COMMUNICATIO 0116 HIGH POINT NC $70.25
336-886-3600
03/27/21 AT&T MOBILE RECURRING W 800-288-2020 TX $304.27
800-331-0500
03/30/21 BESTBUYCOM806441857906 50300009944 RICHFIELD MN $160.11
888-BESTBUY
04/04/21 QVC*654002460301*5OF5 800-367-9444 PA $17.07
CONSUMERPROD
SARAH BAIG
Card Ending 3-91012
Amount
03/11/21 LOWE'S OF NORTH HIGH POINT, NC 0459 HIGH POINT NC $1,283.98
336-889-8600
03/23/21 THE HOME DEPOT HIGH POINT NC $1,551.06
800-654-0688
03/27/21 HOBBY LOBBY HIGH POINT NC $16.50
4057451100
Continued on reverse
MIRZA S BAIG Account Ending 3-91004 p. 4/5
Fees
Amount
Total Fees for this Period $0.00
Interest Charged
Amount
Total Interest Charged for this Period $0.00
About Trailing Interest
You may see interest on your next statement even if you pay the new balance in full and on time and make no new charges. This is called
"trailing interest". Trailing interest is the interest charged when, for example, you didn't pay your previous balance in full. When that
happens, we charge interest from the first day of the billing period until we receive your payment in full. You can avoid paying interest
on purchases by paying your balance in full (or if you have a Plan balance, by paying your Adjusted Balance on your billing statement) by
the due date each month. Please see the "When we charge interest" sub-section in your Cardmember Agreement for details.
2021 Fees and Interest Totals Year-to-Date
Amount
Total Fees in 2021 $0.00
Total Interest in 2021 $0.00
Interest Charge Calculation Days in Billing Period: 30
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Transactions Dated Annual Balance Interest
Percentage Subject to Charge
From To Rate Interest Rate
Purchases 08/13/2006 15.24% (v) $0.00 $0.00
Cash Advances 08/13/2006 25.24% (v) $0.00 $0.00
Total $0.00
(v) Variable Rate
p. 5/5
MIRZA S BAIG Closing Date 04/06/21 Account Ending 3-91004
IMPORTANT NOTICES
EFT Error Resolution Notice
In Case of Errors or Questions About Your Electronic Transfers Telephone us at 1-800-IPAY-AXP for Pay By Phone
questions, at 1-800-528-2122 for Pay By Computer questions, and at 1-800-528-4800 for AutoPay. You may also write
us at American Express, Electronic Funds Services, P.O. Box 981531, El Paso TX 79998-1531, or contact online at
www.americanexpress.com/inquirycenter as soon as you can, if you think your statement or receipt is wrong or if you
need more information about a transfer on the statement or receipt. We must hear from you no later than 60 days
after we sent you the FIRST statement on which the error or problem appeared.
1. Tell us your name and account number (if any).
2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an
error or why you need more information.
3. Tell us the dollar amount of the suspected error.
We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do
this, we will credit your account for the amount you think is in error, so that you will have the use of the money during
the time it takes us to complete our investigation.
Your Cardmember Agreement
To access the most up to date version of your Cardmember Agreement, please log in to your Account at
www.americanexpress.com.
Notice of Important Changes to our Phone Numbers
We are currently making changes to the TTY (Teletype) phone numbers for our Hearing Impaired Card Members. We are
discontinuing our dedicated TTY phone numbers (1-800-221-9950, 1-623-707-4442, and 1-800-522-1897). We are available online at
americanexpress.com via chat or through the Telecommunications Relay Service by dialing 711 and our Customer Care phone
number.
End of Important Notices.
