EDWARD SOLIS
Account Number: XXXX XXXX XXXX 0221
Billing Questions: Webs ite: Send Billing Inquiries To:
800-367-7576 [Link] Card Service Center, PO Box 569120, Dallas, TX 75356
FIRST NATIONAL BANK TEXAS Credit Card Account Statement
November 9, 2024 to December 10, 2024
SUMMARY OF ACCOUNT ACTIVITY PAYMENT INFORMATION
Previous Balance $405.24 Ne w Balance: $1,135.14
- Payments $25.00 Minimum Payment Due: $194.20
- Other Credits $0.00 Payment Due Date: January 4, 2025
+ Purchases $727.55 Late Payment Warning: If we do not receive your minimum payment by
+ Cash Advances $0.00 the due date listed above, you may have to pay up to a $25.00 late fee and
$25.00 your APRs may be increased up to the Penalty APR of prime plus 15.99% up
+ Fees Cha rged
to a maximum of 21.00%.
+ Inte rest Charged $2.35
= New Balance $1,135.14 Minimum Payment Warning: If you make only the minimum payment
Account Number XXXX XXXX XXXX 0221 each period, you will pay more in interest and it will take you longer to pay off
your balance. For example:
Cr edit Limit $1,000.00
Availab le Credit $0.00 If you make no You will pay off And you will end up
Statement Closing Date December 10, 2024 additional charges using the balance shown paying an estimated
Da ys in Billing Cycle 32 this card and each on this statement total of...
month you pay ... in about...
Amount Past Due $25.00
Amount Over Credit Limit $135.14 Only the minimum 6 Years $1,819.00
payment
$1,493.00
$41.00 3 Years (SAVINGS = $326.00)
If you would like information about credit counseling services,
call 866-889-9347
MESSAGES
PROTECT YOURSELF FROM SCAMMERS!
We will never call, text, or email and ask you for your personal information. Some scammers will call and pretend to be from the Card Service Center.
We will never call or text you and ask for sensitive information such as account or card number information, passwords or user names, or social security
numbers. Please DO NOT give out that information.
FIRST NATIONAL BANK TEXAS Account Number: XXXX XXXX XXXX 0221
1550 N BROWN RD 150 New Balance: $1,135.14
LAWRENCEVILLE GA 30043
Minimum Payment Due: $194.20
All payments on the account must be made at the address shown on your Paym ent Due Date: January 4, 2025
monthly billing statement and are considered to have been made on the
date received at that address.
Am ount Enclosed: $
Make Check Payable to:
EDWARD SOLIS
CARD SERVICE CENTER 416 N LOWRANCE RD
PO BOX 569100 RED OAK TX 75154-6410
DALLAS TX 75356-9100
49744484400002210001942000001135141
EDWARD SOLIS
Account Number: XXXX XXXX XXXX 0221
MESSAGES (continued)
If you feel pressured or concerned about a phone call, please hang up and call us at 800-367-7576 (the phone number located on the back of your credit card).
Our Card Service Center team is always glad to check and can verify the information.
TRANSACTIONS An amount followed by a minus sign (-) is a credit unless ot herwise indicated.
Tran Post Re ference Number Transaction Description Amount
Date Date
Payments and Credits
12/04 12/04 F497400P300CHGDDA AUTOMATIC PAYMENT - THANK YOU $25.00-
12/04 12/04 F497400P5000Q1341 ADJUSTMENT-PAYMENTS $25.00
Pur chases and Cash Advances
11/11 11/12 2499989NQS66QHTB9 [Link] IRVING TX $85.61
11/12 11/13 2499989NDS66QY04F [Link] IRVING TX $144.05
11/13 11/14 2499989NES66DA6X5 [Link] IRVING TX $114.85
11/16 11/17 2403629NHMM0A0XZW PRICELN*BUDGET RENT A 203-299-8000 CT $358.04
Fees
12/06 12/06 F497400P5000Q1AUT RETURNED CHECK FEE $25.00
TOTAL FEES FOR THIS PERIOD $25.00
Interest Charged
12/10 12/10 Interest Charge on Purchases $2.35
12/10 12/10 Interest Charge on Cash Advances $0.00
TOTAL INTEREST FOR THIS PERIOD $2.35
2024 Totals Year-to-Date
Total Fees charged in 2024 $25.00
Total Interest charged in 2024 $2.35
REWARDS SUMMARY REWARDS MESSAGES
*** PREFERRED POINTS REWARDS SUMMARY *** Visit [Link] to view rewards options and
Previous Balance 4,420 submit redemption requests.
Earned this Statement 0
Redeemed this Statement 0
Ending Balance 4,420
Due to Expire 1,097
Date to Expire Jun 2027
YOUR ACCOUNT REQUIRES IMMEDIATE ATTENTION
REGARDING YOUR OVER LIMIT AND MINIMUM PAYMENT.
DISREGARD THIS NOTICE IF PAYMENT HAS BEEN MADE.
$0 - $59.06 WILL BE DEDUCTED FROM YOUR ACCOUNT AND CREDITED
AS YOUR AUTOMATIC PAYMENT ON 01/04/25. THE AUTOMATIC
PAYMENT AMOUNT WILL BE REDUCED BY ALL PAYMENTS POSTED ON OR
BEFORE THIS DATE.
INTEREST CHARGE CALCULATION
Your Annual Percentage Rate (APR) is the annual interest rate on your account
Annual
Balance Subject to Days in Billing Interest
Type of balance Percentage Rate Interest Rate Cycle Charge
(APR)
Purc hases 2.90% $974.30 32 $2.35
Cas h Advances 2.90% $0.00 32 $0.00
To avoid additional interest charges, pay your New Balance in full on or before the Payment Due Date.
Thank you for the opportunity to serve your credit card needs. Should your future plans include travel, please contact us at 1-800-367-7576.
CREDITING OF PAYMENTS
All payments received by 5:00 PM during the Card issuer’s normal business day at the address indicated on the reverse side of this statement will be credited to your
account as of the date of receipt of the payment. If payment is made at any location other than that address, credit of the payment may be delayed up to 5 days.
BILLING RIGHTS SUMMARY
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 BBCS, Attn: Dispute Department, 1550 North Brown Road, Suite 150, Lawrenceville, GA 30043 as soon as
possible. In your letter, give us the following information: your name and account number; the dollar amount of the suspected error; and 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 we 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:
• 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.)
• 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.
• 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: BBCS,
Attn: Dispute Department, 1550 North Brown Road, Suite 150, Lawrenceville, GA 30043.
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.
EXPLANATION OF INTEREST CHARGES
The Interest Charge shown on the front is the sum of the Interest Charges computed by applying the Periodic Rate(s) to the Average Daily Balance and adding any
applicable transaction charge authorized in the Cardholder Agreement. The method for computing the balance subject to Interest Charge is an average daily balance
(including new purchases) method.
We figure the interest charge on your account by applying the periodic rate(s) to the “average daily balance” of your account (including in some instances current
transactions). To get the “average daily balance”, we take the beginning balance of your account each day, add any new cash advances and subtract any payments or
credits and any unpaid interest charges. If you paid in full the Previous Balance shown on this statement by the payment due date shown on the previous statement, we
subtract from each day’s beginning balance the amount of such Previous Balance included in that beginning balance and also do not add in any new purchases. Otherwise
the amount of the Previous Balance is not subtracted and we add in any new purchases. This gives us the daily balance. Then we add all the daily balances for the billing
cycle and divide the total by the number of days in the billing cycle. This gives us the “average daily balance.”
HOW TO AVOID INTEREST CHARGES: You have until the payment due date shown on your periodic statement to repay your balance before an interest charge on
purchases will be imposed.
ANNUAL FEE DISCLOSURES
If an annual fee is shown on the front of the statement, see the front for information about the following matters: the annual percentage rate for purchases, certain
information regarding any variable rate feature, the amount of the annual fee, any minimum interest charge, and any transaction charges for purchases. The method for
computing the balance subject to interest charge on your account is an Average Daily Balance (including new purchases) method and is explained above.
If you terminate your account within 30 days from the Closing Date shown on the front of this statement, you will not owe the annual fee (and have the right to have it
credited to your account) and may use your card(s) during that 30 day period without becoming obligated for the annual fee. To terminate your account you should give us
written notice sent to the address for billing inquiries as shown on the front of this statement. All cards should be cut in half and returned with your termination notice.
CREDIT BALANCES
Any credit balance on your account (indicated by a “-“ on the front of this statement) is money we owe you. You can make charges against this amount or request and
receive a full refund of this amount by writing us at: Card Service Center, PO Box 569120, Dallas, TX 75356-9120. Any amount not charged against or refunded upon
request that is over $1.00 (equal to or in excess of $1.00 if you live in MA or any amount in NY) will be refunded automatically within six months after the credit balance was
created (four billing cycles in MD).
O1AB5762 – 3 – 05/25/17
(PLEASE SHOW YOUR CORRECT NAME AND ADDRESS)
Name (if incorrect on reverse side)
Street address
City State Zip Code
Effective Date: Month, Day, Year Signature
Home Phone Work Phone
