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cardholders. Enjoy unique experiences with
RBC Visa Infinite Avion traveling abroad, go on new adventures, and
JACQUELINE T ROSS 4514 01** **** 1472 so much more. Great stories start with Visa
STATEMENT FROM JUN 17, 2024 TO JUL 17, 2024 Infinite. Visit visainfinite.ca
1 OF 3
PREVIOUS STATEMENT BALANCE $4,529.47 IMPORTANT INFORMATION
JACQUELINE T ROSS RBC REWARDS POINTS
4514 01** **** 1472 - PRIMARY Previous Points balance 92,685
Points earned this statement 5,758
TRANSACTION POSTING ACTIVITY DESCRIPTION AMOUNT ($) New points balance 98,443
DATE DATE
DEC 22 DEC 29 PARS FOOD INC NORTH YORK ON $12.00
CONTACT US
74529005359920006432001
Customer Service / Lost & Stolen 1-800-769-2512
DEC 22 DEC 23 BC 24 PRINT THORNHILL ON $49.23
Collect Outside North America (416) 974-7780
74064495356820157972077
RBC Rewards Travel Redemption 1-877-636-2870
DEC 23 DEC 24 FRESHCO 9771 VAUGHAN ON $12.80
Merchandise Redemption 1-800-769-2512
74703415358000235841353
Web site www.rbcrewards.com
DEC 23 DEC 24 BC 24 PRINT THORNHILL ON $11.85
74064495357820161691704
PAYMENTS & INTEREST RATES
DEC 24 DEC 29 FRESHCO 9771 VAUGHAN ON $62.13
Minimum payment $10.00
74703415358000665112234
Payment due date FEB 12, 2016
DEC 24 DEC 29 PAPA CAFE & PASTRY INC MARKHAM ON $42.00
Credit limit $35,000.00
74064495358820174592054
Available credit $29,242.19
DEC 26 DEC 29 GUESS? 3997 VAUGHAN ON $64.39
Annual interest rates:
74703415361000566525240
Purchases 19.99%
DEC 26 DEC 29 GUESS 5975 TORONTO ON $62.49
Cash advances 21.99%
74703415361000566600449
DEC 26 DEC 29 HUGO BOSS 2817 CONCORD ON $107.33
CALCULATING YOUR BALANCE
74500015360463611036734
Previous Statement Balance $4,529.47
DEC 26 DEC 29 B R FACTORY STORE 3272 VAUGHAN ON $36.71
Payments & credits -$4,664.66
74703415361000588717031
Purchases & debits $5,893.00
DEC 26 DEC 29 LAURA SUPERSTORE/SUPERMAGVAUGHAN ON $73.42
Cash advances $0.00
74064495360820120177816
Interest $0.00
DEC 26 DEC 29 BCBG #23 VAUGHAN ON $19.78
Fees $0.00
74064495360820120781849
DEC 26 DEC 29 HARRY ROSEN # F027 CONCORD ON $180.78
74064495360820130249290
NEW BALANCE $5,757.81
DEC 26 DEC 29 PIZZA PIZZA # 16 NORTH YORK ON $15.81
74529005360920200967007
DEC 26 DEC 29 VILLA MADINA DIN009 VAUGHAN ON $33.95
74530005360821436000208
DEC 27 DEC 29 IMPARK00090433A TORONTO ON $8.00
74703415361000567028434
RBC ROYAL BANK
CREDIT CARD PAYMENT CENTRE
NEW BALANCE MINIMUM PAYMENT PAYMENT DUE DATE AMOUNT PAID
P.O.BOX 4016, STATION "A" $5,757.81 $10.00 FEB 12, 2016 $
TORONTO, ONTARIO M5W 2E6
RBC Visa Infinite Avion
4514 01** **** 1472
Payment options
RBC0190000_4827013_026-125231 00206 · Telephone banking 1-800-769-2511
· Online banking www.rbcroyalbank.com
· RBC Royal Bank ATM
· RBC Royal Bank Branch
MANSOOR MIRZAEI GHOMI
19 WILFRED COURT
RICHMOND HILL ON L4C 8P9
.
RBC Visa Infinite Avion
MANSOOR MIRZAEI GHOMI 4514 01** **** 1472
STATEMENT FROM DEC 23, 2015 TO JAN 22, 2016
2 OF 3
MANSOOR MIRZAEI GHOMI
4514 01** **** 1472 - PRIMARY (continued)
TRANSACTION POSTING ACTIVITY DESCRIPTION AMOUNT ($)
DATE DATE
DEC 27 DEC 29 ESSO 7015 YONGE STREET THORNHILL ON $40.00
74064495363920119924561
DEC 28 DEC 29 MEDICAL COUNCIL OF CAN 613-521-6012 ON $2,409.00
74703415362000021799827
DEC 31 DEC 31 KHORAK SUPERMARKET NORTH YORK ON $38.17
74064495365820114190440
DEC 31 DEC 31 KHORAK SUPERMARKET NORTH YORK ON $3.49
74064495365820114190457
JAN 01 JAN 04 ROSES NEW YORK RESTAURANTTORONTO ON $102.79
74872716002130024719555
JAN 03 JAN 04 GUESS? 3997 VAUGHAN ON -$47.45
74703416004000589112431
JAN 03 JAN 04 ESSO 4696 YONGE STREET NORTH YORK ON $20.00
74064496004920120462646
JAN 04 JAN 05 BEST BUY #956 RICHMOND HILLON -$51.70
74500016004956430055330
JAN 04 JAN 05 ESSO 1500 MAJOR MACKENZIEVAUGHAN ON $51.03
74064496005920115531164
JAN 06 JAN 07 NETFLIX.COM 866-716-0414 ON $7.99
74537886006000841601027
JAN 06 JAN 08 ROY COURTS SOUTH RICHMOND HILLON $110.00
74529006006920124619302
JAN 07 JAN 08 STARBUCKS 04585 TORONTO ON $4.15
74703416007000486204429
JAN 07 JAN 08 MELANIE LYNE TORONTO ON $790.99
74064496007820131179824
JAN 07 JAN 08 WENDY'S #6417 CONCORD ON $9.92
74064496007820150020719
JAN 07 JAN 08 BROWNS SHOES INC. #24 TORONTO ON $345.76
74064496007820156102164
JAN 08 JAN 11 TIM HORTONS 3153 QTH TORONTO ON $4.19
74703416008000064637387
JAN 08 JAN 11 BOZ ELECTRIC SUPPLY RICHMOND HILLON $69.90
74703416009000229397934
JAN 10 JAN 11 ROSE AND CROWN TORONTO ON $17.05
74703416010000807578910
JAN 11 JAN 13 FOOD BASICS #843 RICHMOND HILLON $58.93
74530006010827755090201
JAN 11 JAN 12 BOZ ELECTRIC SUPPLY RICHMOND HILLON -$36.04
74703416011000526576475
JAN 11 JAN 12 TEHRAN SUPERMARKET THORNHILL ON $13.99
74064496011820155661974
JAN 12 JAN 12 PAYMENT - THANK YOU / PAIEMENT - MERCI -$4,529.47
74510206012710287473202
JAN 13 JAN 15 KOODO AIRTIME SCARBOROUGH ON $100.51
74500016014461672263856
JAN 13 JAN 14 PRECISE PARKLINK INC TORONTO ON $5.00
74064496013820139333441
JAN 13 JAN 14 PRECISE PARKLINK INC TORONTO ON $3.25
74064496013820139334977
JAN 15 JAN 18 SHOPPERS DRUG MART #0838 TORONTO ON $7.89
74064496015820135847046
RBC Visa Infinite Avion
MANSOOR MIRZAEI GHOMI 4514 01** **** 1472
STATEMENT FROM DEC 23, 2015 TO JAN 22, 2016
3 OF 3
MANSOOR MIRZAEI GHOMI
4514 01** **** 1472 - PRIMARY (continued)
TRANSACTION POSTING ACTIVITY DESCRIPTION AMOUNT ($)
DATE DATE
JAN 19 JAN 20 TIM HORTONS 2810 QTH RICHMOND HILLON $1.50
74703416019000467162295
JAN 20 JAN 21 CERTAS H&A/DFS LEVIS QC $721.24
74450776020004084025637
JAN 20 JAN 21 ESSO 9700 YONGE STREET RICHMOND HILLON $60.00
74064496021920116658016
JAN 21 JAN 22 FOOD BASICS #679 THORNHILL ON $64.64
74530006020826754150105
JAN 21 JAN 21 KHORAK SUPERMARKET NORTH YORK ON $38.95
74064496021820112333541
NEW BALANCE $5,757.81
Time to Pay
If you make only the Minimum Payment each month, we estimate it will
take 50 year(s) and 6 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.
Foreign Currency Conversion: The exchange rate shown on your
Statement, to six decimal places, is calculated by dividing the converted
Canadian dollar amount, which is shown on your Statement rounded to
the nearest cent, by the transaction currency amount. The exchange rate
on your Statement may differ from the original benchmark rate used
because of this rounding. The Canadian dollar amount charged to your
credit card account is 2.5% over the benchmark rate. Some foreign
currency transactions are converted directly to Canadian dollars, while
others may be converted first to U.S. dollars, and then to Canadian dollars.
In either case, the benchmark rate will be the actual exchange rate applied
at the time of the conversion and is generally set daily. To obtain the
original benchmark rate set by VisaJ at the time a transaction was
converted to Canadian dollars, please visit the Visa website at
usa.visa.com/support/consumer/travel-support/exchange-rate-calculator.
html, or call us at 1-800 Royal® 1-2 (1-800-769-2512).
INTEREST RATE CHART
Remaining
Rate (%) Expiry Date
Balance**
19.99 $5,757.81
** 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 (06/15)
IMPORTANT INFORMATION ABOUT YOUR CREDIT CARD STATEMENT therefore not a recommended long term repayment plan.
The following is a summary of certain terms and conditions of your credit card account and details about Payments & Interest Rates. This section displays the Minimum Payment and its Payment Due Date, your
some of the information shown on the front of your statement. It is provided to help you read and current Credit Limit, and Available Credit as of the Statement Date. Your available credit does not reflect
understand your statement. Please refer to your RBC Royal Bank credit card agreement for complete transactions or payments made but not received by us by the Statement Date. Your current interest rates
terms and conditions for your Account. for Purchases and Cash Advances are also shown. If either of those rates is a temporary promotional rate,
Statement Period. Your statement covers activity on your account from the day after your previous we will show its expiry date here as well. Any promotional rates that are applicable to interest charges on
statement was prepared to the last day of this statement period (Your Statement Date). If the date we the statement are displayed in the Interest Rate Chart.
would ordinarily prepare your statement falls on a date for which we do not process statements (for Interest Rate Chart. This chart sets out the interest rate or rates, including applicable promotional rates,
example, weekends, and certain holidays) we will prepare it on our next statement processing date. Your that apply to the New Balance, any remaining balances associated with those rates, and expiry dates for
Payment Due Date will be adjusted accordingly. promotional rates. Rates and expiry dates for any promotions that we may have offered to you but which
YOUR RESPONSIBILITIES you are not using are not shown in the chart as they will not have any balances associated with them. If
Review your statement. Review your credit card statement carefully. If you think there is an error, we notify you of the loss of a promotional rate because of a missed payment, you may lose the benefit
omission or irregularity you must contact us no later than 30 days following your Statement Date at of that rate before its expiry date. However, that expiry date will continue to be displayed in the Interest
1-800-769-2512. After the 30 days, our records will be considered correct except for credits improperly Rate Chart until the loss of that promotional rate takes effect. If an expiry date falls on a date for which
applied to your account. we do not process statements (for example, weekends and certain holidays) we will continue to provide
Report lost or stolen cards. If your card is lost or stolen, or if you have your card but suspect that it or you with the benefit of that promotional rate until our next statement processing date.
your account number is being used by someone else, call 1-800-769-2512 immediately. This reporting INTEREST AND OTHER CALCULATIONS
obligation applies whether you are a Primary cardholder, a Co-applicant cardholder or an Authorized User. Determination of interest. You have a minimum 21 day interest-free Grace Period for new purchases.
Make your payment. You may pay the New Balance in full or in part at any time. However, you must pay Your new purchases are those which appear in the Activity Description. You can avoid interest on those
at least the Minimum Payment by the Payment Due Date as shown on the statement each month. That new purchases by paying your New Balance in full by your Payment Due Date. If you do not, you must
Payment Due Date is 21 days, after your Statement Date (25 days if you did not pay your previous then pay interest on each new purchase retroactively from the transaction date until the date we process
statement’s New Balance in full by its Payment Due Date). If the Payment Due Date falls on a weekend or your payment in full for those purchases. Your next monthly statement will include interest accrued on
holiday we will extend it to the next business day. each of those new purchases from its transaction date to the date we prepare that next monthly
How to make a payment. Not all payment options are available for all types of credit cards. The payment statement.
options available for your account are listed on your statement. Remember to allow sufficient time for We continue to charge interest on the unpaid portion of those purchases until the next time you pay the
payments to reach us by the Payment Due Date. Payments sent to us by mail or made through another New Balance in full on or before its Payment Due Date. Interest related to your purchases could appear
financial institution may take several days to reach us and are not credited to your account until we have on the first statement you receive after we process that payment. This is interest that was not included in
processed them. To ensure that a payment is credited to your account on the same business day you make the New Balance you paid in full because it accrued between the date the monthly statement which
it, you must make the payment prior to 6:00 p.m. local time at one of our branches or ATMs in Canada or showed that New Balance was prepared and the date you made your payment.
through our telephone or online banking service. Branch payments must be made before the branch Fees are treated in the same manner as purchases for the purpose of charging interest.
closing time if it is earlier than 6:00 p.m. Interest is always charged on cash advances from the day the cash advance is made until the date we
You can also pay through Autopay, our pre-authorized payment service. Call us at 1-800-769-2512 to enrol. process payment in full for those cash advances. Credit card cheques, balance transfers, cash-like
Payments do not automatically adjust your available credit. This generally occurs within one to three transactions and bill payments made using your credit card at our branch, at an ATM or using our online
business days following receipt of your payment, depending how your payment is made. banking service are treated as cash advances.
Missed payments. Missing payments (which means not making at least the Minimum Payment by the next We do not charge interest on interest.
Statement Date) will affect your interest rates as follows: To calculate the interest shown in the “Calculating Your Balance” section of your statement, we add the
• If you miss making any payment, you will lose the benefit of any introductory or promotional interest amount you owe each day, and divide the total by the number of days in the statement period. This is
rate offer in which you are participating and your standard cash advance and purchase interest rates your average daily balance. We multiply the average daily balance by the applicable daily interest rate
will apply to any remaining balance(s) which were subject to that offer as of the first day of the third (obtained by taking the annual interest rate or rates and dividing by the number of days in the year). We
statement period following the missed payment (or the expiry date if it is earlier). then multiply this value by the total number of days in the Statement Period to determine the Interest
• In addition, if you miss making 2 or more payments in any 12 month period, your standard cash we charge you. When there is more than one applicable interest rate, we calculate your interest based on
advance and purchase interest rates will increase by 5% (8% if you are a Visa Classic Low Rate Option the average daily balances for each rate.
Cardholder) as of the first day of the third statement period following the missed payment that caused Applying your payments. We apply payments to your Minimum Payment first. We then apply payments
the rate increase. You will continue to pay the higher interest rates until such time as you have paid to the remainder of your New Balance. If the different amounts that make up your New Balance are
your Minimum Payment by the next Statement Date for 6 consecutive months thereafter. subject to different interest rates, we will allocate any payment paid in excess of your Minimum Payment
READING YOUR STATEMENT in the same proportion as each amount bears to your New Balance. If you have paid more than your New
Activity Description. Each transaction and amount credited or charged to your account during the Balance, we will apply any payment in excess of the New Balance to amounts that have not yet appeared
Statement Period is described in this section, including any interest charges and the associated interest on your monthly statement in the same manner as set out above.
rate. The transaction and posting dates are displayed for each transaction. If the transaction date is not Foreign currency conversion. Transactions in a foreign currency are converted to Canadian dollars no later
available for any transaction, its posting date is used as the transaction date. Interest is always calculated than the date we post the transaction to your credit card account at our exchange rate which is 2.5% over
from the transaction date. If there is more than one credit card on the Account, transactions will be a benchmark rate that is in effect and that we must pay on the date of conversion. U.S. Dollar Visa Gold
grouped by cardholder name, card number and relationship to the Account. Primary and Co-applicant transactions are shown in U.S. Dollars and the same principles will apply if an amount is charged in a
cardholders (but not Authorized Users) are responsible for all amounts charged to the Account. currency other than U.S. Dollars.
Time to Pay. Each statement shows an estimate of how long it would take to repay your balance in full if ® / ™ Trademarks of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank
you make only the Minimum Payment each month, assuming that your Minimum Payment is always of Canada.
‡ All other trademarks are the property of their respective owner(s).
calculated by adding your interest, fees and $10. The Time to Pay message is intended solely to illustrate
how making only the Minimum Payment will increase the time it takes to pay your balance and is
