Signature® RBC Rewards® VisaJ
HOANG DUC VU NGUYEN 4510 15** **** 0473
STATEMENT FROM DEC 30, 2020 TO JAN 26, 2021
1 OF 4
PREVIOUS ACCOUNT BALANCE $2,646.15 IMPORTANT INFORMATION
RBC REWARDS POINTS
HOANG DUC VU NGUYEN Previous Points balance 3,703
4510 15** **** 0473 - PRIMARY Points earned this statement 717
TRANSACTION POSTING ACTIVITY DESCRIPTION AMOUNT ($)
New points balance 4,420
DATE DATE
DEC 29 DEC 30 FOODY QUAN 1 $3.02 CONTACT US
74720740364800030715179 Customer Service/Lost & Stolen 1-800-769-2512
Foreign Currency-VND 53,000 Exchange rate-.000056 Collect Outside North America (416) 974-7780
DEC 29 DEC 30 FOODY QUAN 1 $8.67 Rewards Website rbcrewards.com
74720740364800033664853
Foreign Currency-VND 152,000 Exchange rate-.000057 PAYMENTS & INTEREST RATES
DEC 30 DEC 31 DHL EXPRESS ADC QC 905-861-3540 ON $17.32 Minimum payment $52.00
74703410365100654939977 Payment due date FEB 22, 2021
DEC 30 DEC 31 FOODY QUAN 1 $3.70 Credit limit $3,000.00
74720740365800034835642 Available credit $915.99
Foreign Currency-VND 65,000 Exchange rate-.000056 Annual interest rates:
DEC 30 JAN 04 FOODY QUAN 1 $2.18 Purchases 19.99%
74720740366800011052830 Cash advances 22.99%
Foreign Currency-VND 38,500 Exchange rate-.000056
DEC 31 JAN 04 REMITLY* FDDA VANCOUVER BC $106.99 CALCULATING YOUR BALANCE
74083420366000005727881 Previous Account Balance $2,646.15
JAN 01 JAN 04 ESHOPWORLD 35318809114 $212.71 Payments & credits -$1,890.00
74163621001280016354852 Purchases & debits $716.75
JAN 01 JAN 04 FOODY QUAN 1 $9.18 Cash advances $554.21
74720741001800037767915 Interest $42.90
Foreign Currency-VND 162,000 Exchange rate-.000056 Fees $14.00
JAN 01 JAN 04 PAYMENT - THANK YOU / PAIEMENT - MERCI -$300.00 Total Account Balance $2,084.01
74510101004619989304107
JAN 02 JAN 04 FOODY QUAN 1 $2.38 NEW BALANCE $2,084.01
74720741002800023809613
Foreign Currency-VND 42,000 Exchange rate-.000056
JAN 02 JAN 04 ESHOPWORLD 35318809114 $270.20
74163621002280113257023
JAN 02 JAN 04 FOODY QUAN 1 $2.55
74720741003800016438304
Foreign Currency-VND 45,000 Exchange rate-.000056
RBC ROYAL BANK
CREDIT CARD PAYMENT CENTRE
NEW BALANCE MINIMUM PAYMENT PAYMENT DUE DATE AMOUNT PAID
P.O.BOX 4016, STATION "A" $2,084.01 $52.00 FEB 22, 2021 $
TORONTO, ONTARIO M5W 2E6
Signature® RBC Rewards® VisaJ
4510 15** **** 0473
Quick, convenient and secure ways to pay your credit card bill:
RBC0190000_1816618_035-172813 02779 · RBC Online Banking at www.rbcroyalbank.com/online
· RBC Mobile app - text "RBC" to 722722 to download
Other payment options include:
· RBC Royal Bank ATM
HOANG DUC VU NGUYEN · Telephone Banking 1-800-769-2511
1611 RUE MARQUETTE · Visit an RBC Royal Bank branch
LONGUEUIL QC J4K 4H9
.
Signature® RBC Rewards® VisaJ
HOANG DUC VU NGUYEN 4510 15** **** 0473
STATEMENT FROM DEC 30, 2020 TO JAN 26, 2021
2 OF 4
HOANG DUC VU NGUYEN
4510 15** **** 0473 - PRIMARY (continued)
TRANSACTION POSTING ACTIVITY DESCRIPTION AMOUNT ($)
DATE DATE
JAN 03 JAN 05 FOODY QUAN 1 $4.94
74720741004800017679053
Foreign Currency-VND 87,000 Exchange rate-.000056
JAN 04 JAN 04 CASH ADVANCE FEE $3.50
74083420366000005727881
JAN 05 JAN 06 FOODY QUAN 1 $7.09
74720741005800032639578
Foreign Currency-VND 125,000 Exchange rate-.000056
JAN 05 JAN 06 PAYMENT - THANK YOU / PAIEMENT - MERCI -$250.00
74510101006619986292105
JAN 06 JAN 06 DHL EXPRESS ADC QC 905-861-3540 ON $21.43
74703411006100137881450
JAN 07 JAN 08 JEAN COUTU #071 SAINT-LEONARDQC $40.21
74530001006829033330208
JAN 07 JAN 11 FOODY QUAN 1 $5.66
74720741008800012452411
Foreign Currency-VND 100,000 Exchange rate-.000056
JAN 07 JAN 08 DOLLARAMA # 626 MONTREAL QC $2.40
74064491007820166017270
JAN 08 JAN 11 FOODY QUAN 1 $3.71
74720741008800037615422
Foreign Currency-VND 65,600 Exchange rate-.000056
JAN 08 JAN 11 FOODY QUAN 1 $2.15
74720741009800018657442
Foreign Currency-VND 38,000 Exchange rate-.000056
JAN 09 JAN 11 FOODY QUAN 1 $8.59
74720741009800031261149
Foreign Currency-VND 151,800 Exchange rate-.000056
JAN 11 JAN 13 TIM HORTONS #2038 LONGUEUIL QC $8.48
74703411012100418016604
JAN 11 JAN 12 REMITLY* BD0D VANCOUVER BC $147.39
74083421011000003697513
JAN 11 JAN 12 FOODY QUAN 1 $7.25
74720741011800034942501
Foreign Currency-VND 127,000 Exchange rate-.000057
JAN 11 JAN 11 PAYMENT - THANK YOU / PAIEMENT - MERCI -$140.00
74510101011619985177102
JAN 12 JAN 12 CASH ADVANCE FEE $3.50
74083421011000003697513
JAN 13 JAN 14 FOODY QUAN 1 $3.68
74720741013800035438705
Foreign Currency-VND 65,000 Exchange rate-.000056
JAN 13 JAN 18 CTTNHH WATSONS VIETNAM HCM $38.44
24129771015001021452308
Foreign Currency-VND 677,600 Exchange rate-.000056
JAN 14 JAN 15 FOODY QUAN 1 $2.43
74720741014800034208819
Foreign Currency-VND 43,000 Exchange rate-.000056
JAN 15 JAN 18 FOODY QUAN 1 $5.64
74720741015800025232686
Foreign Currency-VND 99,300 Exchange rate-.000056
Signature® RBC Rewards® VisaJ
HOANG DUC VU NGUYEN 4510 15** **** 0473
STATEMENT FROM DEC 30, 2020 TO JAN 26, 2021
3 OF 4
HOANG DUC VU NGUYEN
4510 15** **** 0473 - PRIMARY (continued)
TRANSACTION POSTING ACTIVITY DESCRIPTION AMOUNT ($)
DATE DATE
JAN 15 JAN 18 FOODY QUAN 1 $3.46
74720741016800028680393
Foreign Currency-VND 61,000 Exchange rate-.000056
JAN 18 JAN 19 FOODY QUAN 1 $5.31
74720741018800034830683
Foreign Currency-VND 93,400 Exchange rate-.000056
JAN 19 JAN 20 PAYMENT - THANK YOU / PAIEMENT - MERCI -$200.00
74510101020619985123105
JAN 20 JAN 20 REMITLY* CDFD VANCOUVER BC $91.84
74083421020000002000866
JAN 20 JAN 20 CASH ADVANCE FEE $3.50
74083421020000002000866
JAN 21 JAN 22 FOODY QUAN 1 $5.45
74720741021800032266646
Foreign Currency-VND 97,000 Exchange rate-.000056
JAN 21 JAN 21 PAYMENT - THANK YOU / PAIEMENT - MERCI -$500.00
74510101021619988997108
JAN 23 JAN 25 PAYMENT - THANK YOU / PAIEMENT - MERCI -$500.00
74510101025619983945108
JAN 24 JAN 26 FOODY QUAN 1 $4.61
74720741025800013815813
Foreign Currency-VND 81,250 Exchange rate-.000056
JAN 24 JAN 25 REMITLY* K6BC VANCOUVER BC $207.99
74083421024000003088320
JAN 24 JAN 25 FOODY QUAN 1 $3.91
74720741024800030888521
Foreign Currency-VND 69,000 Exchange rate-.000056
JAN 25 JAN 25 CASH ADVANCE FEE $3.50
74083421024000003088320
JAN 26 JAN 26 CASH ADVANCE INTEREST 22.99% $23.94
JAN 26 JAN 26 PURCHASE INTEREST 19.99% $18.96
TOTAL ACCOUNT BALANCE $2,084.01
Time to Pay
If you make only the Minimum Payment each month, we estimate it will
take 32 year(s) and 0 month(s) to fully repay the outstanding balance. Our
estimate is based on the New Balance shown on this statement and your
current credit card account terms.
Important Notice
This important notice is to remind you that if you miss paying 2 or more
Minimum Payments on your credit card in any 12 month period, your
Annual Interest Rate will increase to 24.99 % for purchases and 27.99 %
for cash advances and remain at those higher rates until you pay your
Minimum Payment for 6 consecutive months. For more details about what
happens if you miss paying your Minimum Payment please refer to your
RBC Credit Card Agreement (rbc.com/creditcardinfo).
Even though you may have missed paying 1 or more Minimum Payments
Signature® RBC Rewards® VisaJ
HOANG DUC VU NGUYEN 4510 15** **** 0473
STATEMENT FROM DEC 30, 2020 TO JAN 26, 2021
4 OF 4
for your December 2019 through December 2020 statements, the latest
one will be counted as your first missed Minimum Payment as explained
below ("First Missed Payment").
In your case, at the time your December 2020 statement was prepared, the
missed Minimum Payment for your July 2020 statement was counted as
your First Missed Payment. However, if you also did not pay at least the
Minimum Payment due on your December 2020 statement by the time
your January 2021 statement is prepared, then the missed payment for
your December 2020 statement will now be counted as your First Missed
Payment.
If you miss another Minimum Payment due on any of your statements
within the 12 month period following your First Missed Payment
statement, then your Annual Interest Rates will increase as noted above.
We remain committed to working closely with you to help provide the
advice and support you need on an individualized basis. If you require
assistance, please contact us at 1-800-ROYAL-12.
DPA888
Please Note:
Your RBC credit card statement format has changed. To learn more about
these changes, and tips on how to read your statement, please visit
rbc.com/cardstatement.
INTEREST RATE CHART
Remaining
Rate (%) Expiry Date
Balance**
19.99 $1,027.38
22.99 $1,013.73
** The "Determination of Interest" section on the back of your statement explains how interest is
charged and how you may avoid interest charges on purchases and fees and the "Applying your
payments" section explains how payments are applied to the Remaining Balances shown above.
O1STMBPE E P stmts (01/2021)
IMPORTANT INFORMATION ABOUT YOUR RBC ROYAL BANK CREDIT CARD STATEMENT Interest Rate Chart. This chart sets out the interest rate(s) that apply to the Total Account Balance, any remaining
The following is a summary of certain terms and conditions of your credit card account and details about some of balances associated with those rates, and expiry dates for any promotional and installment plan rates. Offers
the information shown on your statement. Please refer to your credit card agreement for complete terms and that we may have made to you but which you are not using are not shown as they will not have any associated
conditions for your account. For more tips on reading your statement, go to rbc.com/cardstatement. balances. If you lose a promotional rate due to a missed payment, the Interest Rate Chart will continue to display
New Balance. The Total Account Balance as of your Statement Date minus the total amount of Installments Not that promotional rate until the loss takes effect. The expiry date for an installment plan rate reflects the due date
Yet Due as shown on your statement. This is the amount you must pay to avoid interest on your regular of the final installment plan payment for that plan. If you lose an installment plan rate before its expiry date due
purchases and fees shown on this statement. to a missed payment, your Interest Rate Chart will be updated in your next statement to reflect this and any
Statement Period. Your statement covers activity on your account from the day after your previous statement Installments Not Yet Due will be moved to your Purchases & Fees category. If an expiry date falls on a date on
was prepared to the last day of this statement period (your Statement Date). If the date we would ordinarily which we do not process statements we will continue to provide you with the benefit of the promotional or
prepare your statement falls on a date on which we do not process statements (such as weekends) we will installment plan rate until our next statement processing date.
prepare it on our next statement processing date. Your Payment Due Date will be adjusted accordingly. Installment Plan Summary. If you have any installment plans, this chart sets out the details of such plans.
Total Account Balance. The total amount of your previous account balance, plus all new purchases and debits, INTEREST AND OTHER CALCULATIONS
cash advances, interest, and fees shown on your statement, minus the amount of any payments and credits Determination of interest. You have a minimum 21 day interest-free grace period for new purchases. You can
which have been posted to your account on or before your Statement Date. The Total Account Balance includes avoid interest on these new purchases by: (i) for new purchases (except those converted to installment plans)
the total amount of Installments Not Yet Due as shown on your statement, and is the same as your New Balance and fees, paying your New Balance in full by your Payment Due Date, and (ii) for new purchases converted to
if you do not have any installment plans. installment plans, paying your Total Account Balance in full by your Payment Due Date. If you do not pay your
YOUR RESPONSIBILITIES New Balance in full by your Payment Due Date, you must pay interest on each new purchase retroactively from
Review your statement carefully. If you think there is an error, omission or irregularity, you must contact us no the transaction date until the date we process your payment in full for those purchases. The accrued interest will
later than 30 days following your Statement Date at 1-800-769-2512. After 30 days, our records will be appear on your next statement. We continue to charge interest on the unpaid portion of those purchases until
considered correct except for credits improperly applied to your account. you pay the New Balance in full on or before its Payment Due Date. Interest related to your purchases could
Report lost or stolen cards. If your card is lost or stolen, or if you have your card but suspect that it or your appear on the first statement you receive after we process that payment. This is interest that was not included
account number is being used by someone else, log in to RBC Online Banking or the RBC Mobile app and select in the New Balance you paid in full because it accrued between the date the monthly statement which showed
the “Report Lost or Stolen Card” option, or call 1-800-769-2512, immediately. This obligation applies to Primary that New Balance was prepared and the date you made your payment. For installment plans, interest is not
cardholders, Co-applicant cardholders and Authorized Users. included on your first statement after you install a purchase to allow you to benefit from the interest-free grace
Making your payment. You may pay the New Balance (or if you have installment plans, the Total Account period if you pay the Total Account Balance in full by the Payment Due Date for that statement. If you do not pay
Balance) in full or in part at any time. However, you must pay at least the Minimum Payment by the Payment Due this balance in full by the Payment Due Date, the accrued interest on the installment plan will appear on your next
Date shown on the statement each month. If the Payment Due Date falls on a weekend or holiday, we will extend statement. Fees are treated in the same manner as purchases for the purpose of charging interest. Interest is
it to the next business day. Remember to allow sufficient time for payments to reach us by the Payment Due always charged on cash advances from the day the cash advance is made until the date we process the payment
Date. Payments made by mail or through another financial institution may take several days to reach us and are in full for those cash advances. Balance transfers, cash-like transactions and bill payments made using your
not credited to your account until we have processed them. Branch payments will be credited to your account credit card at our branch, an ATM or our online banking service are treated as cash advances.
on the same day if made before the earlier of 6:00 p.m. local time or the branch closing time. We do not charge interest on interest.
Missed payments. Missing payments (which means not making at least the Minimum Payment by the next To calculate your interest shown in the Calculating Your Balance section of your statement, where there is only
Statement Date) will affect your interest rates as follows: one applicable interest rate in a Statement Period, we add the amount you owe each day, and divide the total by
• If you miss making any Minimum Payment, you will lose the benefit of any introductory or promotional the number of days in the Statement Period. This is your average daily balance. Where you have an installment
interest rate offer in which you are participating, and your standard cash advance and purchase interest rates plan, we use the total principal amount of your installment plan still outstanding (including Installments Not Yet
will apply to any remaining balance(s) which were subject to that offer (subject to any further increases set Due) as the amount that you owe each day to calculate your average daily balance. Where you have more than
out below) as of the first day of the third Statement Period following the missed payment (or the expiry date one applicable interest rate in a Statement Period, we determine your average daily balance for each rate. We
if it is earlier). then multiply the average daily balance for each rate by the applicable daily interest rate (obtained by taking the
• Where you have installment plans and you miss making any Minimum Payment, all your installment plans annual interest rate and dividing by the number of days in the year). We then multiply this value by the total
will be automatically cancelled. The missed Monthly Principal payment(s) will continue to accrue interest at number of days in the Statement Period to determine the interest we charge you.
the installment plan interest rate(s) until paid in full. However, your Installments Not Yet Due will lose the Applying your payments. We apply payments to your Minimum Payment first, then to the remainder of your New
benefit of such rate(s) and will be subject to your rate applicable to regular purchases as of the first day of Balance. If the different amounts that make up your New Balance are subject to different interest rates, we will
your next Statement Period following the missed payment. allocate any payment in excess of your Minimum Payment in the same proportion as each amount bears to your
• In addition, if you miss making 2 or more Minimum Payments in any 12 month period, your standard cash New Balance. If you have paid more than your New Balance, we will apply any excess payment to amounts that
advance and purchase interest rates will increase by 5% (8% if you are a Visa Classic Low Rate Option have not yet appeared on your monthly statement in the same manner as set out above, and then to Installments
Cardholder) as of the first day of the third Statement Period following the missed payment that caused the Not Yet Due.
rate increase. You will continue to pay the higher interest rates until you have paid your Minimum Payment Foreign currency conversion. The exchange rate shown on your statement, to six decimal places,
by the next Statement Date for 6 consecutive months thereafter. is calculated by dividing the converted Canadian dollar (CAD) amount, rounded to the nearest cent, by the
READING YOUR STATEMENT transaction currency amount. It may differ from the original benchmark rate because of this rounding.
Activity Description. Each transaction and amount credited or charged to your account during the Statement The CAD amount charged to your account is 2.5% over the benchmark rate. Some foreign currency
Period is described in this section, including the transaction and posting dates. If the transaction date is not transactions are converted directly to CAD, while others may be converted first to U.S. dollars (USD), then to
available for any transaction, its posting date is used as the transaction date. Transactions converted to CAD. In either case, the benchmark rate will be the actual exchange rate applied at the time of the conversion,
installment plans are marked by a ^ symbol in the activity description. Interest is always calculated from the and is generally set daily. The original benchmark rate at the time a transaction was converted may be
transaction date. If there is more than one credit card on the account, transactions will be grouped by cardholder obtained at usa.visa.com/support/consumer/travel-support/exchange-rate-calculator.html, if set by Visa,
name, card number and relationship to the account. Primary and Co-applicant cardholders (but not Authorized or mastercard.com/global/currencyconversion/index.html, if set by Mastercard. You can also call us at
Users) are responsible for all amounts charged to the account. 1-800-769-2512. For U.S. Dollar Visa Gold Cardholders, transactions are shown in USD and the same
Payments & Interest Rates. This section displays the Minimum Payment and its Payment Due Date, your current principles will apply if an amount is charged in a currency other than USD.
credit limit, and available credit as of the Statement Date. Your available credit does not reflect transactions or ® / ™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of
payments made but not received by us by the Statement Date. Your current interest rates for cash advances and Canada. ‡ All other trademarks are the property of their respective owner(s).
purchases are also shown, as well as the expiry date if any of those rates are temporary. Any promotional or
installment plan rates are shown in the Interest Rate Chart.
