Customer Service Information:
www.bankofamerica.com
1.800.421.2110
Mail billing inquiries to:
P.O. BOX 15284
Bank of America
WILMINGTON, DE 19850
P.O. Box 672050
Dallas TX 75267-2050
Mail payment to:
Bank of America
P.O. Box 15019
Wilmington DE 19886-5019
JULIO JACQUES
75 CARNEGIE AVE APT 7
EAST ORANGE NJ 07018-2924
Visa Signature®
Account# 4400 6646 2942 6850
December 27 - January 26, 2024
Account Summary/Payment Information New Balance Total $68.23
Current Payment Due $35.00
Previous Balance $290.92
Total Minimum Payment Due $35.00
Payments and Other Credits -$390.92
Payment Due Date 02/23/2024
Purchases and Adjustments $168.23
Fees Charged $0.00
Interest Charged $0.00
New Balance Total Late Payment Warning: If we do not receive your Total Minimum
$68.23
Payment by the date listed above, you may have to pay a late fee of up to
Total Credit Line $1,000.00 $40.00 and your APRs may be increased up to the Penalty APR of 29.99%.
Total Credit Available $931.77 Total Minimum Payment Warning: If you make only the Total Minimum
Cash Credit Line $200.00 Payment each period, you will pay more in interest and it will take you
Portion of Credit Available longer to pay off your balance. For example:
for Cash $200.00
If you make no additional You will payoff the And you will end up
Statement Closing Date 01/26/2024
charges using this card balance shown on this paying an estimated
Days in Billing Cycle 31
and each month you pay statement in about total of
Only the Total 2 months $68.00
Minimum Payment
If you would like information about credit counseling services, call
866.300.5238.
26 000068230000350000039092000000000004400664629426850
BANK OF AMERICA Account Number: 4400 6646 2942 6850
P.O. BOX 15019
WILMINGTON DE 19886-5019 Payment Due Date 02/23/2024
New Balance Total $68.23
Total Minimum Payment Due $35.00
JULIO JACQUES
Enter payment amount $
75 CARNEGIE AVE APT 7 .
EAST ORANGE NJ 07018-2924
For change of address/phone number, see reverse side.
Make your payment online at www.bankofamerica.com or
Mail this coupon along with your check payable to: Bank of America
A524022250A 19624629426850C
JULIO JACQUES ! Account # 4400 6646 2942 6850 ! December 27 - January 26, 2024
004 - 000 - 000 - G
IMPORTANT INFORMATION ABOUT THIS ACCOUNT
PAYING INTEREST - We will not charge interest on Purchases on the next CALCULATION OF BALANCES SUBJECT TO INTEREST RATE
statement if you pay the New Balance Total in full by the Payment Due Date, Average Daily Balance Method (including new Purchases): We calculate
and you had paid in full by the previous Payment Due Date. We will begin separate Balances Subject to an Interest Rate for Purchases and for each
charging interest on Balance Transfers and Cash Advances on the transaction Introductory or Promotional Offer balance consisting of Purchases. We do this
date. by: (1) calculating a daily balance for each day in the billing cycle; (2) adding all
TOTAL INTEREST CHARGE COMPUTATION - Interest Charges accrue and the daily balances together; and (3) dividing the sum of the daily balances by
are compounded on a daily basis. To determine the Interest Charges, we the number of days in the billing cycle.
multiply each Balance Subject to Interest Rate by its applicable Daily Periodic To calculate the daily balance for each day in this statement's billing cycle, we:
Rate and that result is multiplied by the number of days in the billing cycle. To (1) take the beginning balance; (2) add an amount equal to the applicable Daily
determine the total Interest Charge for the billing cycle, we add the Periodic Periodic Rate multiplied by the previous day's daily balance; (3) add new
Rate Interest Charges together. A Daily Periodic Rate is calculated by dividing Purchases, new Account Fees, and new Transaction Fees; and (4) subtract
an Annual Percentage Rate by 365. applicable payments and credits. If any daily balance is less than zero we treat
HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to it as zero.
posted balances. If your account has balances with different APRs, we will Average Balance Method (including new Balance Transfers and new Cash
allocate the amount of your payment equal to the Total Minimum Payment Due Advances): We calculate separate Balances Subject to an Interest Rate for
to the lowest APR balances first (including transactions made after this Balance Transfers, Cash Advances, and for each Introductory or Promotional
statement). Payment amounts in excess of your Total Minimum Payment Due Offer balance consisting of Balance Transfers or Cash Advances. We do this by:
will be applied to balances with higher APRs before balances with lower APRs. (1) calculating a daily balance for each day in this statement's billing cycle; (2)
IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE - When calculating a daily balance for each day prior to this statement's billing cycle
using the optional Pay-by-Phone service, you authorize us to initiate an that had a "Pre-Cycle balance" - a Pre-Cycle balance is a Balance Transfer or a
electronic payment from your account at the financial institution you designate. Cash Advance with a transaction date prior to this statement's billing cycle but
You must authorize the amount and timing of each payment. For your with a posting date within this statement's billing cycle; (3) adding all the daily
protection, we will ask for security information. To cancel, call us before the balances together; and (4) dividing the sum of the daily balances by the number
scheduled payment date. Same-day payments cannot be edited or canceled. of days in this statement's billing cycle.
YOUR CREDIT LINES - The Total Credit Line is the amount of credit To calculate the daily balance for each day in this statement's billing cycle, we:
available for the account; however, only a portion of that is available for Bank (1) take the beginning balance; (2) add an amount equal to the applicable Daily
Cash Advances. The Cash Credit Line is that amount you have available for Periodic Rate multiplied by the previous day's daily balance; (3) add new
Bank Cash Advances. Generally, Bank Cash Advances consist of ATM Cash Balance Transfers, new Cash Advances and Transaction Fees; and (4) subtract
Advances, Over the Counter (OTC) Cash Advances, Same-Day Online Cash applicable payments and credits. If any daily balance is less than zero we treat
Advances, Overdraft Protection Cash Advances, Cash Equivalents, and it as zero.
applicable transaction fees. To calculate a daily balance for each day prior to this statement's billing cycle
MISCELLANEOUS - Promotional Rate End Date: This date is based on a that had a Pre-Cycle balance: (1) we take the beginning balance attributable
future statement closing date. If you change your payment due date, this date solely to Pre-Cycle balance (which will be zero on the transaction date of the
could change. The New Balance Total which appears on this statement is not a first Pre-Cycle balance); (2) add an amount equal to the applicable Daily
payoff amount and may be subject to additional interest charges when you pay Periodic Rate multiplied by the previous day's daily balance; (3) and add only
in full after your statement closing date. Virtual cards are the digital form of the applicable Pre-Cycle balances and their related Transaction Fees. We
your eligible physical credit cards stored within a digital wallet. exclude from this calculation all transactions posted in previous billing cycles.
© 2024 Bank of America Corporation
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 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
JULIO JACQUES ! Account # 4400 6646 2942 6850 ! December 27 - January 26, 2024
Transactions
Transaction Posting Reference Account
Date Date Description Number Number Amount Total
Payments and Other Credits
12/30 01/02 Online payment from CHK 1694 3642 4030 -290.92
01/24 01/24 Online payment from SAV 9882 7349 6850 -100.00
TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD -$390.92
Purchases and Adjustments
01/19 01/20 SNIPES EAST ORANGE EAST ORANGE NJ 3191 6850 100.00
01/24 01/25 eBay O*03-11100-43875 San Jose CA 5068 6850 68.23
TOTAL PURCHASES AND ADJUSTMENTS FOR THIS PERIOD $168.23
Interest Charged
01/26 01/26 INTEREST CHARGED ON PURCHASES 0.00
01/26 01/26 INTEREST CHARGED ON BALANCE TRANSFERS 0.00
01/26 01/26 INTEREST CHARGED ON DIR DEP&CHK CASHADV 0.00
01/26 01/26 INTEREST CHARGED ON BANK CASH ADVANCES 0.00
TOTAL INTEREST CHARGED FOR THIS PERIOD $0.00
2024 Totals Year-to-Date
Total fees charged in 2024 $0.00
Total interest charged in 2024 $0.00
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Type of Annual Promotional Promotional Promotional Balance Interest
Balance Percentage Transaction Offer ID Rate End Subject to Charges by
Rate Type Date Interest Transaction
Rate Type
Purchases 29.24% V $ 0.00 $ 0.00
Promotional APR 0.00% PUR, WT LM02-40382 07/26/2024 $ 0.00 $ 0.00
Balance Transfers 29.24% V $ 0.00 $ 0.00
Direct Deposit and Check Cash 29.99% V $ 0.00 $ 0.00
Advances
Bank Cash Advances 29.99% V $ 0.00 $ 0.00
APR Type Definitions Promotional Transaction Types: PUR = Purchase, WT = Non-Bank Wire Transfer; Daily Interest Rate Type: V= Variable Rate (rate
may vary); APR Type: Promotional APR (APR for limited time on eligible transactions)
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JULIO JACQUES ! Account # 4400 6646 2942 6850 ! December 27 - January 26, 2024
Important Messages
You can request a copy of this statement in either Braille or Large Print by calling 800.432.1000 or going to bankofamerica.com and enter
Visually Impaired Access from the home page.
Your Reward Summary
Make the most of your
1.68 Base Cash Back Earned
rewards program today!
24.36 Total Cash Back Available
Additional Information
Credit Basics: Need a hand with your 2024 budget? Kick off the new year with tools, videos and other resources to help you budget and
reach your financial goals. Learn about it today at bettermoneyhabits.com.
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