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BOX 182564 COLUMBUS, OH43218-2564 Account Member AUDREY L ERICKSEN New Balance: $0.00 Minimum Payment Due: $0.00 Payment Due Date: 02/14/2011
4147 1105 1456 4510
How To Reach Us 1-888-419-7559 Customer Service BOX 6062 SIOUX FALLS, SD 57117
www.citicards.com
Account Number 4147 1105 1456 4510 Member Since 2010 American Airlines AAdvantage Miles AAdvantage Miles Reported To American Airlines:
Summary of Account Activity Previous Balance $355.97 Payments -$7.44 Payment Due Date: -$348.53 Payment must be received by 5:00 Other Credits 02/14/2011 PM local time on the payment due Purchases +$0.00 date. Cash Advances +$0.00 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may Fees Charged +$0.00 have to pay a late fee of up to $35 and your APRs may +$0.00 be increased up to the variable Penalty APR of 29.99%. Interest Charged New Balance $0.00
$0.00
$0.00
www.aa.com
See the American Airlines AAdvantage Miles Update section in this statement. Payments, Credits and Adjustments Sale Post Description 01/10 CLICK-TO-PAY PAYMENT, THANK YOU 12/17 12/17 HOBBY LOBBY #390 FRISCO TX 12/22 12/22 PIER 1 00014134 MCKINNEY TX
Past Due Amount Amt. Over Rev. Cr. Lt. Revolving Credit Limit Avail. Revolving Credit Cash Advance Limit Available Cash Limit Statement Closing Date Days in Billing Cycle
$0.00 $0.00
$12,500 Fees Post $12,500 Sale $3,800 $3,800 01/18/2011 Interest Charged 33 Post
Amount 0.00
Amount 0.00
Total fees charged in 2011 Total interest charged in 2011 Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
$0.00 $0.00
Amount Enclosed:
Payment must be received by 5:00 PM local time on the payment due date.
Type of Balance
Interest Charge
Citi Cards
Account Number **** **** **** 4510 Interest Charge Calculation (continued)
Type of Balance Annual Percentage Rate (APR) Balance Subject to Interest Rate Interest Charge
How to Reach Us 1-888-419-7559 Customer Service BOX 6062 SIOUX FALLS, SD 57117 Access your account online: www.citicards.com
American Airlines AAdvantage Miles Update AAdvantage Miles - Accumulated This Month
-349
American Airlines reserves the right to change the AAdvantage program and its terms and conditions at any time without notice and to end the AAdvantage program with six months notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. American Airlines is not responsible for products or services offered by other participating companies. For complete details about the AAdvantage program, visit www.aa.com/aadvantage
Remember, with a no pre-set spending limit you MUST PAY IN FULL any charges over the revolving credit line indicated. Please be sure to pay on time. If you submit your payment by mail, we suggest you mail it no later than 02/07/2011 to allow for enough time for regular mail to reach us. Thank you for helping save another tree. Because you have not made a payment by mail during the last three months, we may have removed the remit envelope from your statement. To receive your statement online only, enroll today using the URL located on your statement. An Exclusive Offer for Cardmembers from Omaha Steaks (R)! FREE SHIPPING on shipments of $51 or more & SAVE 50% on The Celebrate Togetherness Dinner. Go to www.OmahaSteaks.com\TWX or call 1.800.960.8400 and ask for 45940TWX. Omaha Steaks is not a Citi (R) Company.
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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 the Customer Service address shown on the front. If you use the form below, please call Customer Service for assistance. 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 accesses your credit card account do not qualify. 3.You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Customer Service address shown on the front. 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 point, if we think you owe an amount and you do not pay we may report you as delinquent.
I examined the charges on my account and dispute a charge for the following reason: J 1. Neither I nor anyone authorized by me made the charge listed above or received the goods and services represented by this charge. (If you dont recognize a sale, choose this option and call Customer Service immediately). J 2. I participated in a transaction with the merchant, but was billed for _____ transaction(s) totaling $_________ that I didnt engage in, nor did anyone else authorized by me. I have all my cards in my possession. Enclose copy of Authorized sales slip. J 3. I havent received the merchandise. Expected delivery date was ___/___/_____. I contacted the merchant on ___/___/_____. The response was _________________________________________ ___________________________________________________________. (You must contact the merchant.) J 4. I returned/canceled(circle one) merchandise on ___/___/_____ because________________________________. Enclose copy of return receipt, postal receipt or proof of refund. J 5. The attached credit slip was listed as a charge. J 6. I was issued a credit slip for $_____________ on ___/___/_____. It was not shown on my statement. Enclose copy of credit slip. J 7. Merchandise shipped to me arrived damaged and/or defective on ___/___/_____. I returned it on ___/___/_____. Merchant response was ____________________________________________. Enclose copy of postal receipt and/or credit slip. J 8. My account was charged $_____________, but I should have been billed $_____________. Enclose copy of sales receipt and/or other documents showing correct amount. J 9. Other Attach a letter describing the dispute.
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