FARRUKH A RAJA www.citicards.
com
Member Since 2019 Account number ending in: 9549 Customer Service 1-855-473-4583
Billing Period: 02/12/21-03/11/21 TTY-hearing-impaired services only 1-800-325-2865
BOX 6500 SIOUX FALLS, SD 57117
MARCH STATEMENT Account Summary
Previous balance $0.00
Minimum payment due: $25.00
Payments -$0.00
New balance as of 03/11/21: $94.56 Credits -$0.00
Payment due date: 04/09/21 Purchases +$94.56
Cash advances +$0.00
Fees +$0.00
Interest +$0.00
Late Payment Warning: If we do not receive your minimum payment by the date New balance $94.56
listed above, you may have to pay a late fee of up to $40 and your APRs may be
increased up to the Penalty APR of 29.99%. Credit Limit
For information about credit counseling services, call 1-877-337-8187. Credit limit $6,400
New York residents may contact the New York State Banking Department to obtain a
comparative listing of credit card rates, fees and grace periods by calling 1-877-226-5697. Includes $2,000 cash advance limit
Available credit $6,305
Includes $2,000 available for cash advances
Your Cash Rewards:
$3.29
» See page 2 for more information
about your rewards
For Payments, send check to: CITI CARDS, PO Box 70166, Philadelphia PA, 19176-0166
Pay your bill from virtually anywhere Minimum payment due $25.00
P.O. Box 6004 with the Citi Mobile® App and Citi® Online
Sioux Falls, SD 57117-6004
New balance $94.56
To download:
Text 'App15' to MyCiti (692484) Payment due date 04/09/21
Your Monthly Statement
or go to your device's app store.
is Enclosed Or visit www.citicards.com Amount enclosed: $
Account number ending in 9549
Please make check payable to CITI CARDS.
CITI CARDS
FARRUKH A RAJA
PO Box 70166
309 ARDEN AVE
Philadelphia PA 19176-0166
STATEN ISLAND NY 10312-1207
www.citicards.com Customer Service 1-855-473-4583 Page 2 of 2
TTY-hearing-impaired services only 1-800-325-2865
FARRUKH A RAJA
Account Summary
Trans. Post
date date Description Amount
Standard Purchases TOTAL CASH REWARDS BALANCE:
03/03
03/03
03/03
03/03
AMZN Mktp US*I23OZ5IQ3 Amzn.com/bill WA
AMZN Mktp US*S39WN0GA3 Amzn.com/bill WA
$52.72
$41.84
$3.29
Previous Balance: $2.34
Fees charged
Earned this Period: $0.95
Total fees charged in this billing period $0.00
Total Earned this Period: $0.95
Redeemed this Period: $0.00
Interest charged
Ending Rewards Balance: $3.29
Total interest charged in this billing period $0.00
2021 totals year-to-date
Total fees charged in 2021 $0.00
Total interest charged in 2021 $0.00
THE TWO WAYS TO EARN!
Interest charge calculation Days in billing cycle: 28
Cash Back on Purchases
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Eligible Purchases: $94.56
Annual percentage Balance subject
Balance type rate (APR) to interest rate Interest charge Cash Back on
PURCHASES Purchases Earned: $0.95
Standard Purch 21.49% (V) $0.00 (D) $0.00
Cash Back on Payments
ADVANCES
Eligible Payments: $0.00
Standard Adv 25.24% (V) $0.00 (D) $0.00
Cash Back on
Your Annual Percentage Rate (APR) is the annual interest rate on your account. APRs followed by Payments Earned: $0.00
(V) may vary. Balances followed by (D) are determined by the daily balance method (including
current transactions).
PURCHASE TRACKER AND HOW
Account messages CASH BACK ON PAYMENTS WORKS
Please note that if we received your pay by phone or online payment between 5
p.m. ET and midnight ET on the last day of your billing period, your payment 1. Total Payment Made: $0.00
will not be reflected until your next statement. Note: payments are eligible up to the
amount in your Purchase Tracker
©2018 Citibank, N.A. 2. Purchase Tracker: $94.56
Citi, Citi with Arc Design are registered service marks of Citigroup Inc.
3. Eligible Payment: $0.00
Update or confirm your account information today To help us better serve your 4. Cash Back on
credit needs, including being able to evaluate your account for future credit limit Payments Earned: $0.00
increases, please keep your account information up-to-date by providing your 5. Ending Purchase Tracker: $94.56
most recent income and housing information. Securely log in to your account at
citi.com/updateincome, or call us toll-free at 1-855-209-8556 (TTY Purchase Tracker - When you make a purchase,
1-800-325-2865 for hearing-impaired and speech-impaired services only). that amount goes into your Purchase Tracker.
Balance transfers, cash advances, fees and
interest are not included. Make an eligible payment
and the Purchase Tracker gets reduced by that
amount. When the Purchase Tracker reaches $0,
you won't earn cash back on payments until more
purchases are made. See Terms & Conditions for
details.
Questions? Time to Redeem?
Visit citi.com or call 1-855-473-4583
Bonus cash back may take 1-2 billing periods
to appear on your statement.
About Interest Charges Your Rights if You Are Dissatisfied With Your Credit Card Purchases.
How We Calculate Interest. We calculate it separately for each balance shown If you are dissatisfied with the goods or services that you have purchased with your
in the Interest Charge Calculation table. We use the daily balance method credit card, and you have tried in good faith to correct the problem with the merchant,
(including current transactions) if the Balance Subject to Interest Rate is you may have the right not to pay the remaining amount due on the purchase.
followed by (D). We figure the interest charge by multiplying the daily balance by To use this right, all of the following must be true:
its daily periodic rate each day in the billing period. To get a daily balance, we 1. The purchase must have been made in your home state or within 100 miles of
take the balance at the end of the previous day, add the interest on the previous your current mailing address, and the purchase price must have been more
day’s balance and new charges, subtract new credits or payments, and make than $50. (Note: Neither of these is necessary if your purchase was based on
adjustments. The Balance Subject to Interest Rate is the average of the daily an advertisement we mailed to you, or if we own the company that sold you
balances. We use the average daily balance method (including current the goods or services.)
transactions) if the Balance Subject to Interest Rate is followed by (A). To get an 2. You must have used your credit card for the purchase. Purchases made with
average daily balance, we take the balance at the end of the previous day, add cash advances from an ATM or with a check that accesses your credit card
new charges, subtract new credits or payments, and make adjustments. We add account do not qualify.
all the daily balances and divide by the number of days in the billing period. 3. You must not yet have fully paid for the purchase.
We figure the interest charge by multiplying the average daily balance by the
If all of the criteria above are met and you are still dissatisfied with the
monthly periodic rate, or by the daily periodic rate and by the number of days
purchase, contact us online or in writing at the Customer Service address shown
in the billing period, as applicable.
on front of statement.
Minimum Interest Charge. If we charge interest, it will be at least $0.50.
While we investigate, the same rules apply to the disputed amount as discussed
How to Avoid Paying Interest on Purchases. Your due date is at least 23 days above. After we finish our investigation, we will tell you our decision. At that point, if
after the close of each billing cycle. We will not charge you interest on purchases we think you owe an amount and you do not pay, we may report you as delinquent.
if you pay your monthly Citi Flex Plan Payment Amount (if any) plus your New
Balance, excluding any Citi Flex Plan balances, by the due date each month.
If you do not pay your monthly Citi Flex Plan Payment Amount plus your New Other Account and Payment Information
Balance, excluding any Citi Flex Plan balances, by the due date each month, When Your Payment Will Be Credited. If we receive your payment in proper
you will pay interest on your purchases from the date they’re posted to your form at our processing facility by 5 p.m. local time there, it will be credited as of
account until you pay such amount in full for two billing periods in a row. We will that day. A payment received there in proper form after that time will be credited
begin charging interest on cash advances and balance transfers on the as of the next day. Allow 5 to 7 days for payments by regular mail to reach us.
transaction date. We will begin charging interest on a Citi Flex Plan balance at There may be a delay of up to 5 days in crediting a payment we receive that is not
the start of the billing cycle following the billing cycle during which you created in proper form or not sent to the correct address. The correct address for regular
the Citi Flex Plan. mail is the address on the front of the payment coupon. The correct address for
courier or express mail is the Express Payments Address shown below.
Your Rights Proper Form. For a payment sent by mail or courier to be in proper form, you must:
What To Do If You Find A Mistake On Your Statement. • Enclose a valid check or money order. No cash or foreign currency please.
If you think there is an error on your statement, write to us at the address for • Include your name and the last four digits of your account number.
billing inquiries and correspondence shown on the front of your statement. In How to Report a Lost or Stolen Card. Call the Customer Service number at the
your letter, give us the following information: top of the page.
• Account information: Your name and account number. Balance Transfers. Balance Transfer amounts are included in the “Purchases”
• Dollar amount: The dollar amount of the suspected error. line in the Account Summary.
• Description of problem: If you think there is an error on your bill, describe what Membership Fee. Some accounts are charged a membership fee. To avoid paying
you believe is wrong and why you believe it is a mistake. this fee, notify us that you are closing your account within 30 days of the mailing
You must contact us within 60 days after the error appeared on your statement. or delivery date of the statement on which the fee is billed.
You must notify us of any potential errors in writing. You may call us, but if you Credit Reporting Disputes. We may report information about your account to
do we are not required to investigate any potential errors and you may have to credit bureaus. If you think we’ve reported inaccurate information, please write
pay the amount in question. to us at Citi Brands Credit Bureau Disputes, PO Box 6241, Sioux Falls, SD 57117.
While we investigate whether or not there has been an error, the following are true:
Payment Amount
• We cannot try to collect the amount in question, or report you as delinquent on
You may pay all or part of your account balance at any time. However, you must
that amount.
pay, by the payment due date, at least the minimum payment due.
• 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.
IBSCSR-0919
Payments other than by mail
Online. See the front of your statement on how to make a payment.
Phone. For phone payments, you authorize Citi to electronically debit your
specified bank account by an ACH transaction in the amount and on such date
that you indicate on the phone. You also authorize Citi to automatically debit your
specified bank account every month, in the amount and on the same date each
month that you indicate on the phone, until you withdraw your authorization.
You may cancel a one-time phone payment or withdraw your authorization for
automatic debits by calling the number on the front of your statement within the
timeframe disclosed to you on the phone.
AutoPay. Visit autopay.citicards.com to enroll in AutoPay and have your
payment amount automatically deducted each month on your payment date
from the payment account you choose.
Express mail. Send payment by express mail to:
Citi Cards
Attention: Bankcard Payments Department
6716 Grade Lane
Building 9, Suite 910
Louisville, KY 40213
Crediting Payments other than by Mail. The payment cutoff time for Online
Bill Payments, Phone Payments, and Express mail payments is midnight Eastern
time. This means that we will credit your account as of the calendar day, based
on Eastern time, that we receive your payment request.
If you send an eligible check, you authorize us to complete your payment by
electronic debit. If we do, the checking account will be debited in the amount
on the check. We may do this as soon as the day we receive the check. Also,
the check will be destroyed.
