EFTA00123655¶
April 6 - May 5, 2019¶
004 - 000 - 000 - 6¶
IMPORTANT INFORMATION ABOUT THIS ACCOUNT¶
PAYING INTEREST - We will not charge interest on Purchases on the next statement if you pay the New Balance Total in full by the Payment Due Date, and you had paid in full by the previous Payment Due Date. We will begin charging interest on Balance Transfers and Cash Advances on the transaction date.¶
TOTAL INTEREST CHARGE COMPUTATION - Interest Charges accrue and are compounded on a daily basis. To determine the Interest Charges, we multiply each Balance Subject to Interest Rate by its applicable Daily Periodic Rate and that result is multiplied by the number of days in the billing cycle. To determine the total Interest Charge for the billing cycle, we add the Periodic Rate Interest Charges together. A Daily Periodic Rate is calculated by dividing an Annual Percentage Rate by 365.¶
HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to posted balances. If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first (including transactions made after this statement). Payment amounts in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs.¶
IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE - When using the optional Pay-by-Phone service, you authorize us to initiate an electronic payment from your account at the financial institution you designate. You must authorize the amount and timing of each payment. For your protection, we will ask for security information. A fee may apply for expedited service. To cancel, call us before the scheduled payment date. Same-day payments cannot be edited or canceled.¶
YOUR CREDIT LINES - The Total Credit Line is the amount of credit available for the account; however, only a portion of that is available for Bank Cash Advances. The Cash Credit Line is that amount you have available for Bank Cash Advances. Generally, Bank Cash Advances consist of ATM Cash Advances, Over the Counter (OTC) Cash Advances, Same-Day Online Cash Advances, Overdraft Protection Cash Advances, Cash Equivalents, and applicable transaction fees.¶
MISCELLANEOUS - Promotional Rate End Date: This date is based on a future statement closing date. If you change your payment due date, this date could change. The New Balance Total which appears on this statement is not a payoff amount and may be subject to additional interest charges when you pay in full after your statement closing date. Please contact the customer service number located on the front of this statement for a pay-off amount. Virtual cards are the digital form of your eligible physical credit cards stored within a digital wallet.¶
CALCULATION OF BALANCES SUBJECT TO INTEREST RATE¶
Average Daily Balance Method (including new Purchases): We calculate separate Balances Subject to an Interest Rate for Purchases and for each Introductory or Promotional Offer balance consisting of Purchases. We do this by: (1) calculating a daily balance for each day in the billing cycle; (2) adding all the daily balances together; and (3) dividing the sum of the daily balances by the number of days in the billing cycle.¶
© 2019 Bank of America Corporation¶
To calculate the daily balance for each day in this statement’s billing cycle, we: (1) take the beginning balance; (2) add an amount equal to the applicable Daily Periodic Rate multiplied by the previous day’s daily balance; (3) add new Purchases, new Account Fees, and new Transaction Fees; and (4) subtract applicable payments and credits. If any daily balance is less than zero we treat it as zero.¶
Average Balance Method (including new Balance Transfers and new Cash Advances): We calculate separate Balances Subject to an Interest Rate for Balance Transfers, Cash Advances, and for each Introductory or Promotional Offer balance consisting of Balance Transfers or Cash Advances. We do this by: (1) calculating a daily balance for each day in this statement’s billing cycle; (2) calculating a daily balance for each day prior to this statement’s billing cycle that had a Pre-Cycle balance - a Pre-Cycle balance is a Balance Transfer or a Cash Advance with a transaction date prior to this statement’s billing cycle but with a posting date within this statement’s billing cycle; (3) adding all the daily balances together; and (4) dividing the sum of the daily balances by the number of days in this statement’s billing cycle.¶
To calculate the daily balance for each day in this statement’s billing cycle, we: (1) take the beginning balance; (2) add an amount equal to the applicable Daily Periodic Rate multiplied by the previous day’s daily balance; (3) add new Balance Transfers, new Cash Advances and Transaction Fees; and (4) subtract applicable payments and credits. If any daily balance is less than zero we treat it as zero.¶
To calculate a daily balance for each day prior to this statement’s billing cycle that had a Pre-Cycle balance: (1) we take the beginning balance attributable solely to Pre-Cycle balance (which will be zero on the transaction date of the first Pre-Cycle balance); (2) add an amount equal to the applicable Daily Periodic Rate multiplied by the previous day’s daily balance; (3) and add only the applicable Pre-Cycle balances and their related Transaction Fees. We exclude from this calculation all transactions posted in previous billing cycles.¶
For the complete terms and conditions of your account, consult your Credit Card Agreement. This account is issued and administered by Bank of America. Bank of America is a registered trademark of Bank of America Corporation.¶
PAYMENTS - We credit mailed payments as of the date received, if the payment is: (1) received by 5 p.m. local time at the address shown on the remittance portion of your monthly statement; (2) paid with a check drawn in U.S. dollars on a U.S. financial institution or a U.S. dollar money order; and (3) sent in the return envelope with only the remittance portion of your statement accompanying it. Payments received by mail after 5 p.m. local time at the remittance address on any day including the Payment Due Date, but that otherwise meet the above requirements, will be credited as of the next day. Payments made online or by phone will be credited as of the date of receipt if made by 5 p.m. Central. Credit for any other payments may be delayed up to five days. Cash payments made with our tellers or ATM with Teller Assist (ATA) will only be accepted with a valid identification (ID).¶
No payment shall operate as an accord and satisfaction without the prior written approval of one of our Senior Officers.¶
We process most payment checks electronically by using the information found on your check. Each check authorizes us to create a one-time electronic funds transfer (or process it as a check or paper draft). Funds may be withdrawn from your account as soon as the same day we receive your payment. Checks are not returned to you.¶
If you have authorized us to pay your credit card bill automatically from your savings or checking account with us, you can stop the payment on any amount you think is wrong. To stop payment, your letter must reach us at least three business days before the automatic payment is scheduled to occur.¶
Change of Address/Phone number: Online at www.bankofamerica.com¶
Please do not add any written communication in this space.¶
AB¶
EFTA00123656¶
April 6 - May 5, 2019¶
Transactions¶
| Transaction Date | Posting Date | Description | Reference Number | Account Number | Amount | Tota | |
|---|---|---|---|---|---|---|---|
| 05/03 | 05/03 | Payments and Other Credits | 1800 | -390.00 | -$390.00 | ||
| TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD | |||||||
| Purchases and Adjustments | |||||||
| 04/04 | 04/06 | PAYPRO*HOVERWATCH LONDON | 2792 | 27.17 | |||
| 04/06 | 04/09 | EJUICE,DEALS 888-358-4231 CA | 6620 | 75.71 | |||
| 04/09 | 04/10 | NYCDOT PARKING METERS LONG IS CITY NY | 4498 | 4.00 | |||
| 04/11 | 04/12 | DUFRY AERO CIBAO USD SANTIAGO | 6039 | 86.00 | |||
| 04/11 | 04/13 | DELTA AIR Baggage Fee NEW YORK-JFK NY | 9204 | 30.00 | |||
| 04/15 | 04/16 | FARMACIA CAROL SOSUA SANTO DOMINGO | 2782 | 198.08 | |||
| 04/30 | 04/30 | Spotify USA 877-7781161 NY | 3928 | 9.99 | |||
| TOTAL PURCHASES AND ADJUSTMENTS FOR THIS PERIOD | $430.95 | ||||||
| Fees | |||||||
| 04/04 | 04/06 | FOREIGN TRANSACTION FEE | 2792 | 0.81 | |||
| 04/11 | 04/12 | FOREIGN TRANSACTION FEE | 6039 | 2.58 | |||
| 04/15 | 04/16 | FOREIGN TRANSACTION FEE | 2782 | 5.94 | |||
| 05/02 | 05/03 | LATE FEE FOR PAYMENT DUE | 38.00 | ||||
| TOTAL FEES FOR THIS PERIOD | $47.33 | ||||||
| Interest Charged | |||||||
| 05/05 | 05/05 | INTEREST CHARGED ON PURCHASES | 21.43 | ||||
| 05/05 | 05/05 | INTEREST CHARGED ON BALANCE TRANSFERS | 0.00 | ||||
| 05/05 | 05/05 | INTEREST CHARGED ON DIR DEP&CHK CASHADV | 0.00 | ||||
| 05/05 | 05/05 | INTEREST CHARGED ON BANK CASH ADVANCES | 0.00 | ||||
| TOTAL INTEREST CHARGED FOR THIS PERIOD | $21.43 | ||||||
| 2019 Totals Year-to-Date | |
| Total fees charged in 2019 | $73.95 |
| Total interest charged in 2019 | $58.92 |
Interest Charge Calculation¶
Your Annual Percentage Rate (APR) is the annual interest rate on your account.¶
| Type of Balance | Annual Percentage Rate | Promotional Transaction Type | Promotional Offer ID | Promotional Rate End Date | Balance Subject to Interest Rate | Interest Charges by Transaction Type | ||
| Purchases | 17.24%V | $ | 1,512.05 | $ | 21.43 | |||
| Balance Transfers | 17.24%V | $ | 0.00 | $ | 0.00 | |||
| Direct Deposit and Check Cash Advances | 20.24%V | $ | 0.00 | $ | 0.00 | |||
| Bank Cash Advances | 27.24%V | $ | 0.00 | $ | 0.00 | |||
APR Type Definitions Daily Interest Rate Type: V= Variable Rate (rate may vary)¶
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EFTA00123657¶
April 6 - May 5, 2019¶
Your Reward Summary¶
| 4.31 | Base Cash Back Earned |
| 1.10 | Relationship Bonus Earned |
| 56.61 | Total Cash Back Available |
Make the most of your rewards program today!¶
Additional Information¶
Need to dispute a transaction? For the fastest dispute resolution, please contact the merchant. If unsuccessful, simply file a dispute online www.bankofamerica.com. Select your credit card account, click the “Information & Services” tab and then select the “Dispute a transaction” link under the “Services” section.¶
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