MINIMUM PAST DUE PAYMENT NEW AMOUNT

ACCOUNT NUMBER
PAYMENT DUE PAYMENT DUE DATE BALANCE ENCLOSED

20.00 0.00 09/22/2022 991.11 xxxx xxxx xxxx 6097 $ .

PLEASE INDICATE CHANGE OF ADDRESS ON REVERSE.

PLEASE MAKE CHECK PAYABLE AND MAIL TO:

NAVY FEDERAL LYDIA BLANCO ** 0007366

P.O. BOX 3500 11237 NORTHVIEW DR

MERRIFIELD VA 22119-3500 EL PASO TX 79934-2844

XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

ACCOUNT NUMBER xxxx xxxx xxxx 6097

Page 1 of 4
ACCESS NUMBER 12377330

SUMMARY OF ACCOUNT ACTIVITY PAYMENT INFORMATION QUESTIONS

Previous Balance $122.18 New Balance $991.11 Credit Card Services

1-888-842-6328
Payments -$696.51 Minimum Payment Due $20.00

Other Credits -$0.00 Payment Due Date 09/22/2022

Send Billing Inquiries To:
Purchases +$1,565.44 Late Payment Warning: If we do not receive your Navy Federal Credit Union

Cash Advances +$0.00 minimum payment by the date listed above, you may P.O. Box 3501

have to pay a $20.00 late fee and your APRs may be Merrifield VA 22119-3501
Fees Charged +$0.00
increased up to the Penalty APR of 18.00%.
Interest Charged +$0.00 Send Payments To:
Minimum Payment Warning: If you make only the
New Balance $991.11 Navy Federal
minimum payment each period, you will pay more in
P.O. Box 3500
Past Due Amount $0.00 interest and it will take you longer to pay off your Merrifield VA 22119-3500
Over Limit Amount $0.00 balance. For example:

Credit Limit $2,000.00 To view your account

If you make no
You will pay off And you will end online visit navyfederal.org.
Available Credit $1,008.89 additional charges
the balance up paying an
using this card
Cash Limit $600.00 shown on this estimated For information about credit
and each month
statement in total of... counseling services, you may
Available Cash $600.00 you pay...
go to http://www.justice.gov/ust/
about...
Statement Closing Date 08/25/2022 list-credit-counseling-agencies-
Only the minimum
8 years $1,825 approved-pursuant-11-usc-111,
Days in Billing Cycle 31
payment or call 1-888-503-7106.

$1,296
$36 3 years
(Savings = $529)

REWARDS SUMMARY

Start Balance Earned Bonus Redeemed Adjusted Purged End Balance

$9.96 $23.50 $3.93 -$24.00 $0.00 $0.00 $13.39

Total Rewards Earned Year to Date: $93.27

Redemptions are not permitted on closed or delinquent accounts.

Earn up to 1.75% cash back on purchases with Direct Deposit.

TRANSACTIONS

PAYMENTS AND CREDITS

Trans Date Post Date Reference No. Description Submitted By Amount

08/03/22 08/03/22 75422852215111440800003 MOB PAYMENT RECEIVED xxxx xxxx xxxx 6097 $274.33

08/16/22 08/16/22 75422852228112420810009 MOB PAYMENT RECEIVED xxxx xxxx xxxx 6097 $300.00

08/24/22 08/24/22 75422852236119530820000 MOB PAYMENT RECEIVED xxxx xxxx xxxx 6097 $122.18

TOTAL PAYMENTS AND CREDITS $696.51

MCB
 CREDIT CARD CHANGE OF ADDRESS

ACCESS NO. 12377330 CREDIT CARD NO. 6097

RANK/RATE NAME(FIRST MI LAST SUFFIX)

NEW ADDRESS

CITY STATE ZIP CODE

APPLICANT OR CO-APPLICANT SIGNATURE EMAIL ADDRESS

THIS ADDRESS CHANGE IS APPLICABLE TO: CELL PHONE

Visa Mastercard American Express

ALL APPLICANT'S NFCU ACCOUNTS OTHER CONTACT NO. HOME OTHER

JOINT OWNER(S) - IF NFCU SAVINGS IS A JOINT ACCOUNT

(If you provide a cell phone number, Navy Federal has your permission to place

automated non-marketing calls and text messages to that number. Message and data

rates may apply.)

6097 Page 2 of 4

Information About Your Mastercard

® Account
Important Telephone Numbers For Navy Federal ® Credit Card Services Billing Rights Summary

For Credit Card Services and Lost Cards, call toll-free . . . . . . . . . . . . . .1-888-842-6328 What to Do if You Think You Find a Mistake on Your Statement

Collect internationally . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-703-255-8837

If you think there is an error on your statement, write to us at:
For toll free numbers when overseas. . . . . . . . . . . . . . . . navyfederal.org/overseas/
®
MasterAssist Services. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-888-MC-ASSIST Navy Federal Credit Union
MasterAssist® Services (from overseas, call collect) . . . . . . . . . . . . . . . .1-636-772-7111 P.O. Box 3501
Merrifield, VA 22119
Variable Rate Information: Your Standard APR will vary based on the U.S. Prime Rate. You may also contact us electronically through Online Banking at navyfederal.org.
This means your APR could increase if the U.S. Prime Rate increases or decrease if the
In your letter, give us the following information:
U.S. Prime Rate decreases. An increase or decrease in your APR will affect the total
• Account information: Your name and account number
amount of interest you pay. Your APR is adjusted monthly on the first business day of the
• Dollar amount: The dollar amount of the suspected error
month; it is determined by adding a Margin to the U.S. Prime Rate published in the Wall
• Description of problem: If you think there is an error on your bill, describe what you
Street Journal on the first day of the previous month. Your Margin is a percentage amount
believe is wrong and why you believe it is a mistake.
that we determine based on an evaluation of your credit history.
You must contact us within 60 days after the error appeared on your statement.
Payments: Payments may be made by mail, electronic transfer, or at a branch in person.
All payments must be made in U.S. dollars. Payments you mail must be addressed to Navy You must notify us of any potential errors in writing or electronically. You may call us, but
Federal, P.O. Box 3500, Merrifield, VA 22119-3500. Payments we receive by mail at this if you do, we are not required to investigate any potential errors, and you may have to
address by 5:00 pm ET will be credited the same day. In some cases, available credit may pay the amount in question.
be delayed until the payment is verified. Mailed payments to your credit card account may While we investigate whether or not there has been an error, the following are true:
not be commingled with funds designated for credit to other Navy Federal accounts. We
will accept late or partial payments without forfeiting any of Navy Federal's rights under • We cannot try to collect the amount in question, or report you as delinquent on that
this Agreement. Payments that are marked "paid in full" and that are of an amount less amount.
than the balance on the credit card account, or that are marked with any other restrictive • The charge in question may remain on your statement, and we may continue to charge
endorsements, should be sent to P.O. Box 3501, Merrifield, VA 22119, Attn. Credit Card you interest on that amount. But, if we determine that we made a mistake, you will not
Division. have to pay the amount in question or any interest or other fees related to that
amount.
Transactions Made in Foreign Currency: All Mastercard purchases and cash advances • While you do not have to pay the amount in question, you are responsible for the
will be billed to you in U.S. dollars. Currently the rate of exchange used is either a remainder of your balance.
government-mandated rate or a wholesale rate determined by Mastercard International • We can apply any unpaid amount against your credit limit.
for the processing cycle in which the transaction is processed. This rate of exchange may
differ from the rate that would have been used on the purchase date or cardholder Your Rights if You Are Dissatisfied With Your Credit Card Purchases

statement posting date. If you are dissatisfied with the goods or services that you have purchased with your credit
Paying Interest: Your due date is at least 25 days after the close of each billing cycle. card, and you have tried in good faith to correct the problem with the merchant, you may
We will not charge you interest on purchases if you pay your entire balance by the due have the right not to pay the remaining amount due on the purchase.
date each month. We will begin charging interest on cash advances, balance transfers, To use this right, all of the following must be true:
and convenience checks on the transaction date.
1. The purchase must have been made in your home state or within 100 miles of your
ATM Cash Advance Fees: if performed at a Navy Federal branch or ATM.
None current mailing address, and the purchase price must have been more than $50.
Otherwise $0.50 per domestic transaction or $1.00 per overseas transaction. If you use (Note: Neither of these is necessary if your purchase was based on an advertisement
your card at an ATM not operated by Navy Federal, you may be charged an ATM fee by we mailed to you, or if we own the company that sold you the goods or services.)
the owner of the ATM. 2. You must have used your credit card for the purchase. Purchases made with cash
How We Determine The Amount Of Interest Charges: Navy Federal calculates advances from an ATM or with a check that accesses your credit card account do not
interest charges on your account by applying the periodic rate to the “average daily qualify.
balance” of your account, including current transactions. To get the “average daily 3. You must not yet have fully paid for the purchase.
balance”, we take the beginning balance of your account each day, add new purchases If all of the criteria above are met and you are still dissatisfied with the
and cash advances, and subtract any payments, credits, and unpaid interest charges to purchase, contact us in writing or electronically at:
give us the daily balance. Then, we add up all of the daily balances for the billing cycle
Navy Federal Credit Union
and divide the total by the number of days in the billing cycle. This gives us the “average
P.O. Box 3501
daily balance.” You can find your "average daily balance" for each billing cycle in the
Merrifield, VA 22119
"Balance Subject to Interest Rate" column of your statement.
You may also contact us electronically through Online Banking at navyfederal.org.
Payment Allocation: In general, we will apply your minimum payment to the overlimit
While we investigate, the same rules apply to the disputed amount as discussed above.
amount (if any), interest, and fees first before applying it to principal balances. If your
After we finish our investigation, we will tell you our decision. At that point, if we think
account has balances with different APRs, we will apply the minimum payment first to the
you owe an amount and you do not pay, we may report you as delinquent.
balance with the lowest APR before balances with higher APRs. Any payment amount in
excess of the minimum payment will be allocated to the balance with the highest APR and
any remaining portion to the other balances in descending order based on APR.

© 2017 Navy Federal NFCU 577MC (12-17)

 6097 Page 3 of 4

TRANSACTIONS

LYDIA BLANCO xxxx xxxx xxxx 6097

Trans Date Post Date Reference No. Description Amount

07/26/22 07/27/22 55548072208400004342022 BLISS DUNKIN DONUTS FORT BLISS TX $7.18

07/29/22 08/01/22 55432862210200302541799 SQ *PAMPERED PETS II EL PASO TX $43.30

07/29/22 08/01/22 55309592211400010000037 SKECHERS USA #102 EL PASO TX $58.46

07/30/22 08/01/22 05410192211140039515728 OLIVE GARDE45900064592 EL PASO TX $43.21

08/01/22 08/03/22 55421352214939110570422 PAUL P PHOLVICHITR ODP EL PASO TX $210.00

08/02/22 08/03/22 05436842215500134928272 LITTLE CAESARS 325 EL PASO TX $12.98

08/06/22 08/08/22 05410192218091008002441 TARGET 00008490 EL PASO TX $32.79

08/06/22 08/08/22 55421352218939175485264 MCW#0365-MONTANA EL PASO TX $32.99

08/06/22 08/08/22 05140482219710044430586 SONIC DRIVE IN #1999 EL PASO TX $7.00

08/09/22 08/11/22 75428172222624200746420 KIKIS RESTAURANT EL PASO TX $54.83

08/11/22 08/11/22 55432862223200307455321 STARBUCKS 800-782-7282 800-782-7282 WA $12.94

08/09/22 08/12/22 85345512223900019001024 THE SHACK WINGS & BREW EL PASO TX $56.79

08/12/22 08/15/22 15270212224003592444943 DicksSportingGoods.com Coraopolis PA $53.02

08/12/22 08/15/22 02305372225000564125474 SPEEDWAY 09843 10701 G EL PASO TX $40.56

08/15/22 08/15/22 55432862227200526873342 STARBUCKS 800-782-7282 800-782-7282 WA $18.84

08/13/22 08/15/22 75306372226039900752181 CAFE ITALIA EL PASO TX $3.92

08/13/22 08/15/22 75306372226039900753023 CAFE ITALIA EL PASO TX $123.92

08/14/22 08/15/22 02305372227000472008299 ALON DK #51652 EL PASO TX $15.74

08/15/22 08/16/22 55546502227400411000077 RED PEPPERS MEXICAN RE EL PASO TX $8.44

08/14/22 08/16/22 52704872227978000020475 AMERICAN 00124498436144 8004337300 TX $235.00

KAIN/RANDALL 08/21/22 ELP DFW ACT

08/17/22 08/17/22 55432862229200195964016 STARBUCKS 800-782-7282 800-782-7282 WA $15.00

08/18/22 08/19/22 55436872230272304564146 EL ZARAPE RESTAURANT EL PASO TX $27.02

08/19/22 08/22/22 55480772232400195000012 EL PASO HORMONES AND A EL PASO TX $440.00

08/22/22 08/23/22 55432862234200975481267 CHEVRON 0070871 EL PASO TX $11.51

TOTAL New Activity for LYDIA BLANCO $1,565.44

2022 TOTALS YEAR-TO-DATE

Total Fees charged in 2022 $0.00

Total Interest charged in 2022 $1.20

INTEREST CHARGE CALCULATION

Your Annual Percentage Rate (APR) is the annual interest rate on your account.

Annual Percentage Rate Balance Subject to

Type of Balance (APR) Interest Rate Interest Charge

Purchases 18.00% (v) $0.00 $0.00

Bal Trf/Conv Chk* 18.00% (v) $0.00 $0.00

Cash Advances 18.00% (v) $0.00 $0.00

(v) = Variable Rate

* Bal Trf/Conv Chk = Balance Transfer or Convenience Check. There is no grace period to avoid interest.

Interest is assessed from the transaction date to the date the amount is paid in full.
6097 Page 4 of 4