Barclaycard Cash World Visa Statement

PODUHA SMERT | Account Ending 6438 | Statement Period 04/16/20-05/16/20 Page 1 of 5

Account Activity Payment Information

Previous Balance as of 04/16/20 $2,357.13 Statement Balance: $4,763.41
Payments - Thank You - $61.27 Minimum Payment Due: $114.32
Fees Charged + $0.00 Payment Due Date: 06/10/20
Interest Charged + $37.56 Late Payment Warning: If we do not receive your minimum payment by the
Purchase Activity + $2,429.99 date listed above, you may have to pay a late fee of up to $37.00.

Statement Balance as of 05/16/20 = $4,763.41 Minimum Payment Warning: If you make only the minimum payment each
period, you will pay more in interest and it will take you longer to pay off your

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APR Details begin on page 2 in the Interest Charge
balance. For example:
Calculation section.
If you make no You will pay off the And you will end up
Transaction details begin on page 2.
additional charges using balance shown on this paying an estimated total
this card and each month statement in about… of…
you pay…
Credit Line Only the minimum
13 years $5,899.00
Total Revolving Credit Line $7,400.00 payment
Includes $1,480.00 cash advance line
$3,276.00
$91.00 3 years
Available Revolving Credit Line $2,636.59 (Savings = $2,623.00)
as of 05/16/20
If you would like information about credit counseling services, please call 800-570-1403.
Available for cash advances $2,636.59

Repayment information based on activity and APR’s on your account as of the closing date.
Cash Rewards Summary
Cash Rewards Earned This Period $0.00 IMPORTANT INFORMATION FOR RESIDENTS OF NEW YORK If you have questions about the
Total Cash Rewards Balance $32.54 terms of your account call Barclays at 866-928-0416 . New York residents may contact the New York
State Department of Financial Services by telephone (800) 342-3736, or visit its website, www.dfs.ny.gov,
For details see page 3
for free information on comparative credit card rates, fees and grace periods.
SEE INSIDE: You may have additional important messages inside.

NOTICE: SEE REVERSE SIDE OR END OF STATEMENT FOR IMPORTANT INFORMATION

Ways to pay: BarclaysUS.com Barclays Mobile App 866-928-0416

Statement Balance as of 05/16/20: (account ending 6438) $4,763.41

Minimum Payment Due: $114.32

11
Payment Due Date: 06/10/20

Amount Enclosed: $__,__ __ __,__ __ __.__ __

Make check payable to Barclays. Allow 7-10 days for USPSdelivery.

Barclays
PODUHA SMERT
P.O. Box 13337
3908 HOPE VALLEY RD Philadelphia, PA 19101-3337
DURHAM, NC 27707-5444
DTTAFADDTTFTDTFTFDTDDADADAFADFATDDFTAA

40034499654264380000114320000476341
Check here if your address has changed.
Please make corrections on the reverse
side of this form.
 Barclaycard Cash World Visa Statement

PODUHA SMERT | Account Ending 6438 | Statement Period 04/16/20-05/16/20 Page 2 of 5

Purchase Activity
Transaction Date Posting Date Description Cash Rewards Amount

Payments
May 09 Mar 09 Payment Received TD Bank N/A -$61.27

Total payments for this period N/A -$61.27

Purchase Activity for PODUHA SMERT card ending 6438

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Apr 16 Apr 16 Purchase authorized on Carl's Jr 110226 Card *6438 $48.00
Apr 16 Apr 16 Purchase authorized on Anthropologie 897456 Card *6438 $73.67
Apr 18 Apr 18 Purchase authorized on National Stores 811365 Card *6438 $32.27
Apr 19 Apr 19 Purchase authorized on Renys 776966 Card *6438 $84.34
Apr 20 Apr 20 Purchase authorized on Fords Federated Store 847210 Card *6438 $46.69
Apr 21 Apr 21 Purchase authorized on MacFrugals 158805 Card *6438 $53.17
Apr 21 Apr 21 Purchase authorized on Lin's Fresh Market 932517 Card *6438 $26.29
Apr 23 Apr 23 Purchase authorized on Channel Home Centers 986776 Card *6438 $75.93
Apr 24 Apr 24 Purchase authorized on Dillard's 028188 Card *6438 $113.06
Apr 25 Apr 25 Purchase authorized on Macey's Market 971724 Card *6438 $142.01
Apr 26 Apr 26 Purchase authorized on Chappells Hometown Foods 814664 Card *6438 $94.93
Apr 28 Apr 28 Purchase authorized on Alliance Rubber Company 500357 Card *6438 $36.95
May 01 May 01 Purchase authorized on Ian Stewart Iat Sec 962327 Card *6438 $45.22
May 02 May 02 Purchase authorized on Riesbeck Food Markets 648093 Card *6438 $393.86
May 02 May 02 Purchase authorized on Belk 557131 Card *6438 $53.14
May 03 May 03 Purchase authorized on Jack 'n Jill 306631 Card *6438 $138.76
May 04 May 04 Purchase authorized on Murphy Usa Inc. 940870 Card *6438 $90.67
May 05 May 05 Purchase authorized on Mcdonald's F2036 992302 Card *6438 $53.37
May 06 May 06 Purchase authorized on Mirabito Energy Products 633361 Card *6438 $32.81
May 09 May 09 Purchase authorized on Casey’s General Stores Inc. 936273 Card *6438 $334.72
May 10 May 10 Purchase authorized on Wegmans 953224 Card *6438 $31.17
May 11 May 11 Purchase authorized on La Canasta Supermarket 452581 Card *6438 $38.53
May 12 May 12 Purchase authorized on Enmarket 848665 Card *6438 $75.87
May 12 May 12 Purchase authorized on Bloomingdale's 892322 Card *6438 $87.86
May 13 May 13 Purchase authorized on Orchard Supply Hardware 250401 Card *6438 $73.27
May 14 May 14 Purchase authorized on Cal’s Convenience Inc. 026895 Card *6438 $24.78
May 14 May 14 Purchase authorized on Earth Fare 410296 Card *6438 $46.19
May 15 May 15 Purchase authorized on Turn Outz Inc. 515692 Card *6438 $82.46
Total purchase activity for this period N/A $2,429.99

Fees and Interest

Transaction Date Posting Date Description Amount

Fees Charged
No fees charged for this period $0.00

Total fees for this period $0.00

Interest Charged
Apr 30 Apr 30 Interest Charge On Purchases $31.15

Apr 30 Apr 30 Interest Charge On Balance Transfers $6.41

Total interest for this period $37.56

2020 Year-to-Date Totals

Total fees charged in 2020 $5.00

Total interest charged in 2020 $43.83

This Year-to-date summary reflects the Fees and Interest charged on billing statements with closing dates in 2020,
and does not reflect any subsequent fee and/or interest adjustments.

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 Barclaycard Cash World Mastercard Statement

PODUHA SMERT | Account Ending 6438 | Statement Period 04/16/20-05/16/20 Page 3 of 5

Interest Charge Calculation Days in Billing Cycle : 31

Promotional Balance Subject Annual Percentage Interest

Type of Balance Rate End Date to Interest Rate Rate (APR) Charge

Purchases
Standard Purchases – $1,481.92 24.74% (v) $31.15

Promotional Balance Subject Annual Percentage Interest

Type of Balance Rate End Date to Interest Rate Rate (APR) Charge

Balance Transfers
Standard Balance Transfers/Checks – $304.96 24.74% (v) $6.41

Balance Transfer/Check Promotion Apr 18 $400.00 0.00% $0.00

Balance Transfer/Check Promotion Apr 18 $145.00 0.00% $0.00

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Cash Advances
Standard Cash Advance – $0.00 26.99% (v) $0.00

Total $37.56

Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate
See the “Important Information” section of this statement for more information about how we calculate interest.

AVOIDING INTEREST ON PURCHASES (GRACE PERIOD):

If you have a 0% promotional APR on all of your Purchase balances, you can avoid paying interest on those balances during the applicable promotional period. However, pay at least
your Minimum Payment Due to avoid a late fee.

If you have both Purchase balances with an APR greater than 0% and you also have other promotional balances on your Account, you can avoid paying interest on your Purchases by
paying $ 1,788.42 (this amount includes any Minimum Payment Due required to avoid a late fee). Please refer to the “Accrual of Interest and How to Avoid Paying Interest on
Purchases” paragraph on the back of this Statement for further detail.

Cash Rewards Details

Beginning Cash Rewards Balance $32.54

Cash Rewards earned on qualifying purchases $0.00

Ending Cash Rewards balance $32.54

EARN MORE CASH BACK

It’s easy. Just add an authorized user to your account and earn Cash Back on every purchase they make. That’s a great way to boost your earning potential. Log in
and add an authorized user today!

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Important Information
Page 4 of 5

Information About Credit Bureau Reporting: We may report information about your address by 5 p.m. ET that otherwise meets the requirements of a conforming payment will
account to credit bureaus. Late payments, missed payments, or other defaults on your be credited to your account that same day.
account may be reflected in your credit report.
How We Will Calculate Interest. We use a method called “daily balance" (including new
Lost or Stolen Card: Your credit card is issued by Barclays Bank Delaware. If your card is purchases). We calculate interest separately for each “Balance Subject to Interest Rate.”
lost or stolen, please contact us immediately at 866-928-0416 at any time. These include for example, Purchases at the current rate, Balance Transfers at the current
rate, Cash Advances at the current rate, and different promotional balances. Your monthly
Payment Information: Each billing cycle, you must pay at least the Minimum Payment Due billing statement shows each “Balance Subject to Interest Rate.”
shown on your monthly statement by its Payment Due Date. Both the Minimum Payment
Due and Payment Due Date are noted on your statement and on your home page when you To calculate interest, we first calculate a daily balance for each Balance Subject to Interest
login to BarclaysUS.com. At any time you may pay more than the Minimum Payment Due up Rate. We start with the balance, for that Balance Subject to Interest Rate, as of the end of

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to the full amount you owe us, however you cannot “pay ahead”. This means that if you the previous day. We add any interest calculated on the previous day’s balance. (This means
pay more than the required Minimum Payment Due in any billing cycle or if you make more interest is compounded daily). We add any new Purchases, Balance Transfers or Cash
than one payment in a billing cycle, you will still need to pay the next month’s required Advances to the appropriate balance, subtract any new payments or credits from the
Minimum Payment Due by your next Payment Due Date. Remember to make all checks appropriate balance, and make other adjustments. A credit balance is treated as a balance
payable to Barclays. Please allow 7 to 10 days for the U.S. Postal Service to deliver of zero. We then multiply each daily balance by the applicable daily periodic rate. We do this
your payment to us. Upon our receipt, your available credit may not be increased for each day in the billing period. That gives us the daily interest. We add up all the daily
by the payment amount for up to 7 days to ensure the funds from the bank on interest for all of the daily balances to get the total interest for the billing period.
which your payment is drawn are collected and not returned. When you provide a
check as payment on this Account, you authorize us to either use the information from your Accrual of Interest and How to Avoid Paying Interest on Purchases. Your due date is
check to make a one-time electronic fund transfer from your account or to process the at least 23 days after the close of each billing cycle. On Purchases, interest begins to accrue
payment as a check transaction. When we use information from your check to make an as of the transaction date. However, you can avoid paying interest on Purchases in any
electronic fund transfer, funds may be withdrawn from your account as soon as the same given billing cycle if you pay your Statement Balance in full by the Payment Due Date. You
day we receive your payment, and you will not receive your check back from your financial may also avoid paying interest on Purchases if either Paragraph A or Paragraph B of this
institution. For inquiries, please call 866-928-0416. section applies to your account.

Mailed Payments: A conforming payment received by us by 5 p.m. ET will be credited to A. If you have Purchase balances with a 0% promotional APR, you can avoid paying interest
your account the day of receipt. A “conforming payment” is a payment that: 1) is mailed on those Purchase balances during the promotional period, and the following Paragraph B
using the enclosed envelope and payment coupon included with this statement or mailed will not apply to your account. (However, to avoid a late fee, pay at least your Minimum
with a payment coupon printed from BarclaysUS.com to Barclays, P.O. Box 13337 Payment Due.)
Philadelphia, PA 19101-3337; and 2) is in the form of a single, non-folded check or money B. If you have Purchase balances with an APR that is greater than 0%, and you also have
order made payable in U.S. dollars from a U.S. based institution. Any payment that does not other types of promotional balances on your account, you still may be able to avoid paying
meet these requirements, or any payment with multiple checks or money orders, additional interest on those balances without paying your Statement Balance in full. If this applies to
correspondence, staples, paperclips, etc. will be considered a “non-conforming payment” your Account, you will see a Paragraph titled “Avoiding Interest on Purchases (Grace
which may delay the crediting of the payment for up to 5 days. Period)” appearing directly below the Interest Charge Calculation section on the front of
this Statement. This will show the amount you can pay by the Payment Due Date and still
Other Payment Options: avoid interest charges on your Purchase balances. This amount may differ from your
Web: Visit BarclaysUS.com to set up your payments. Statement Balance. It may differ because you currently have certain promotional APR
Mobile : To download the Barclays Mobile App, text MOBILE to 53818. balances, and the nonpayment of these balances will not affect your grace period on
Phone: Call us at 866-928-0416 and we will process your payment. Purchases, provided you pay all other balances on your account. (However, to avoid a late
fee, pay at least your Minimum Payment Due.)
All payments made via web, mobile app or pay by phone by 7:00 p.m. ET will be credited For Balance Transfers, interest will accrue from the transaction date which generally will be
to your account that same day. the day the payee accepts the Check. For Cash Advances, interest will accrue from the
transaction date which generally will be the day you take the Cash Advance. Please note
Overnight Payments: Send overnight courier service or U.S.P.S. Priority Mail payments to that purchases of Cash Equivalents, which include money orders, travelers checks, foreign
Card Services, 400 White Clay Center Drive, Newark, DE 19711. A payment received at this currency, lottery tickets, gambling chips and wire transfers, are treated as Cash Advances

Continued on page 5

Make Changes to your contact information below

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 Page 5 of 5
and do not have a grace period. See your Cardmember Agreement for more information. 3. You must not yet have fully paid for the purchase.

Minimum Interest Charge: This fee, if imposed, appears in the Summary of Fees as a If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in
“Minimum Interest Charge” or “Minimum Charge." writing at:

No Pre-Set Spending Limit: “No Pre-Set Spending Limit” does not mean unlimited Card Services
spending, it means we may permit you from time to time at our discretion to make certain P.O. Box 8802
charges that will cause your outstanding balance to exceed your revolving credit line. Any Wilmington, DE 19899-8802.
such charge will be considered on an individual basis and such evaluation will be based on While we investigate, the same rules apply to the disputed amount as discussed above.
your account spending and payment history as well as your experience with other creditors. ©After we finish our investigation, we will tell you our decision. At that point, if we think you owe
If you exceed your revolving credit line, then you must pay, with your Minimum Payment an amount and you do not pay, we may report you as delinquent.

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Due, the amount by which your balance exceeds your revolving credit line, including
amounts due to Purchases, Cash Advances, Interest charges, Fees, or other charges. Please refer to your Cardmember Agreement for additional information about the terms of
your Account.
Credit Bureau Disputes: If you believe that an entry we have made on your credit bureau
report is inaccurate or incomplete, please contact the reporting agency directly or contact us 2020 Barclays Bank Delaware, member FDIC
at Card Services, P.O. Box 8803 Wilmington, DE 19899-8801. Please include your name;
your account number; the credit reporting agency where you received the bureau report; a
description of the error; and why you believe it is an error. We will promptly investigate,
notify you of our findings, and send an update to the credit bureaus if warranted within 30
days.

What To Do If You Think You Find A Mistake On Your Statement

If you think there is an error on your statement, write to us at:

Card Services
P.O. Box 8802
Wilmington, DE 19899-8802.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.
• Description of problem: If you think there is an error on your bill, describe what you
believe is wrong and why you believe it is a mistake.

You must contact us within 60 days after the error appeared on your statement.

You must notify us of any potential errors in writing. You may call us, but if you do we are
not required to investigate any potential errors and you may have to pay the amount in
question.

While we investigate whether or not there has been an error, the following are true:
• We cannot try to collect the amount in question, or report you as delinquent on that
amount.
• The charge in question may remain on your statement, and we may continue 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 other fees related
to that amount.
• While you do not have to pay the amount in question, you are responsible for the
remainder of your balance.
• We can apply any unpaid amount against your credit limit.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with your credit
card, and you have tried in good faith to correct the problem with the merchant, you may
have the right not to pay the remaining amount due on the purchase.

To use this right, all of the following must be true:

1. The purchase must have been made in your home state or within 100 miles of your
current mailing address, and the purchase price must have been more than $50.
(Note: Neither of these are necessary if your purchase was based on an advertisement
we mailed to you, or if we own the company that sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made with cash
advances from an ATM or with a check that access your credit card account do not
qualify.

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