A Guide To Reading Your Statement - Wells Fargo
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Wells Fargo Financial National Bank A guide to reading your statement Billing Cycle Reflects the dates your statement covers. Need help? We’re available to answer your call Monday – Friday, 8:00 a.m. – 6:00 p.m., Central Time, or you can get answers on our website 24/7. Summary of Account Activity A summary of all your account activity during the billing cycle, including any payments, purchases, interest, and fees. Payment Information View your minimum payment due this month, your due date, and the impact of paying only your minimum payment each month. Special Term(s) expiring One or more No Interest if Paid in Full balance(s) is about to expire. Transaction Summary View your purchases, other transaction activity, and payments listed in order of transaction date. You’ll also see a total for fees and interest charged for this billing cycle as well as year-to-date. Special Terms Calculation A message to remind you of your special terms promotions that have expiration dates. If you do not pay off your expiring No Interest if Paid in Full balance(s) in full by the Specials Terms End Date(s), deferred interest will be charged from the purchase date and added to your balance. Special Terms End Date The date that your special terms promotion ends. Deferred Interest Charge The amount of interest that has accrued in total from the original purchase date for No Interest if Paid in Full balances. Interest Charge Calculation Lists each type of balance (i.e., regular, special terms, etc.) and applicable balance, and interest charge for each type of balance. Annual Percentage Rate The annual percentage rate used to calculate the Interest Charge(s) for each type of balance. Issued by Wells Fargo Financial National Bank Account Number XXXX XXXX XXXX XXXX Visit us at wellsfargo.com/cardholders B i l l i n g C y c l e m m / d d / c c y y t o m m / d d / c c y y Customer Service: 1-800-459-8451 Monday-Friday, 8 a.m.-6 p.m. CT 24 Hour Automated Service S u m m a r y o f A c c o u n t A c t i v i t y Previous Balance $0.00 Payments -$0.00 Other Credits -$0.00 Purchases/Debits +$0.00 F e e s C h a r g e d + $ 0 . 0 0 I n t e r e s t C h a r g e d + $ 0 . 0 0 New Balance Credit Limit Available Credit Statement Closing Date Days in Billing Cycle $0.00 $0.00 $0.00 mm/dd/ccyy 31 P a y m e n t I n f o r m a t i o n New Balance $0.00 Minimum Payment Due $0.00 Payment Due Date mm/dd/ccyy U r g e n t ! S p e c i a l T e r m ( s ) e x p i r i n g - s e e S p e c i a l T e r m s E x p i r a t i o n A l e r t ( s ) L a t e P a y m e n t W a r n i n g : If we do not receive your minimum payment by the Payment Due Date listed above, you may have to pay up to a $XX.XX late fee. M i n i m u m P a y m e n t W a r n i n g : If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional charges using this card and each month you pay… You will pay off the balance shown on this statement in about… And you will end up paying an estimated total of… Only the minimum payment X years $0.00 $0.00 3 years $0.00 (Savings = $0.00) For information about Credit Counseling and Debt Management Services, please call 1-877-285-2108, or go online: www.usdoj.gov/ust/eo/bapcpa/ccde/cc_approved.htm To learn about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau at: http://www.consumerfinance.gov/learnmore I m p o r t a n t I n f o r m a t i o n * * S P E C I A L T E R M S E X P I R A T I O N A L E R T ( S ) * * To avoid paying Deferred Interest Charge(s), you must pay $000.00 by the Special Terms End Date. This amount includes the Minimum Payment Due, which must be paid by mm/dd/ccyy to avoid a late fee. T y p e o f B a l a n c e S p e c i a l T e r m s E n d D a t e D e f e r r e d I n t e r e s t C h a r g e S p e c i a l T e r m s B a l a n c e NO INT IF PD IN FULL W/PMT mm/dd/ccyy $0.00 $0.00 T r a n s a c t i o n S u m m a r y R e f e r e n c e N u m b e r T r a n s D a t e P o s t D a t e D e s c r i p t i o n o f T r a n s a c t i o n o r C r e d i t A m o u n t 200001485 48902229102 mm/dd/ccyy mm/dd/ccyy Merchant Name, City and State $0.00 200001485 48903857201 mm/dd/ccyy mm/dd/ccyy Merchant Name, City and State $0.00 F e e s mm/dd/ccyy mm/dd/ccyy LATE FEE $0.00 T O T A L F E E S F O R T H I S P E R I O D $ 0 . 0 0 I n t e r e s t C h a r g e d mm/dd/ccyy mm/dd/ccyy INTEREST CHARGE ON PURCHASES $0.00 T O T A L I N T E R E S T F O R T H I S P E R I O D $ 0 . 0 0 c c y y T o t a l s Y e a r - t o - D a t e Total fees charged in ccyy $0.00 Total interest charged in ccyy $0.00 To pay your bill and manage your account online, sign up for Wells Fargo Online® at w e l l s f a r g o . c o m / c a r d h o l d e r s . If you use a bill payment service other than Wells Fargo Online to make payments with us, we are not responsible for the accuracy and timeliness of your online bill payments. You may also pay by phone using your bank routing and checking account number by calling 24 hours 1-800-459-8451. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION 5 6 8 5 0 0 0 1 J U J 1 7 7 1 1 1 1 1 1 0 I D P A G E X o f X 1 0 5 8 4 3 0 2 4 0 A C 0 5 0 1 A A 5 6 8 5 4 5 3 7 3 Please return bottom portion with your payment. We must receive payment by the due date. Do not send cash. Retain upper portion for your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ P r o g r a A c c o u n t # X X X X X X X X X X X X X WELLS FARGO FINANCIAL NATIONAL BANK N e w B a l a n c e $ . CLIENT PROCESSING. MAC N0003-04E M i n i m u m P a y m e n t D u e $ . 800 WALNUT STREET P a y m e n t D u e D a t e m m / d d / c c y y DES MOINES IA 50309 U r g e n t ! S p e c i a l T e r m ( s ) e x p i r i n g - s e e S p e c i a l T e r m s E x p i r a t i o n A l e r t ( s ) Please Print Address and/or Phone Number Changes Below: $ , . CUSTOMER NAME WELLS FARGO FINANCIAL NATIONAL BANK ADDRESS LINE 1 P.O. BOX 660431 ADDRESS LINE 2 DALLAS TX 75266-0431 CITY, STATE ZIP Barcode Barcode 00000000000000000000000000000000000000001234567 Address City State Zip ( ) ( ) Home Phone Work Phone Make checks payable to: Amount Enclosed The statement shown is general and for illustrative purposes only. Your actual statement may look slightly different depending on your credit card product. © 2014 Well Fargo Financial National Bank. All rights reserved. ECG-1175147 0314 Issued by Wells Fargo Financial National Bank Account Ending in XXXX Visit us at wellsfargo.com/cardholders B i l l i n g C y c l e m m / d d / c c y y t o m m / d d / c c y y Customer Service: 1-800-459-8451 Monday-Friday, 8 a.m.-6 p.m. CT 24 Hour Automated Service S p e c i a l T e r m s C a l c u l a t i o n To avoid paying Deferred Interest Charge(s), you must pay your Special Terms Balance in full by the Special Terms End Date. Your A n n u a l P e r c e n t a g e R a t e ( A P R ) is the annual interest rate on your account. T y p e o f B a l a n c e T r a n s a c t i o n D a t e S p e c i a l T e r m s E n d D a t e A n n u a l P e r c e n t a g e R a t e ( A P R ) B a l a n c e S u b j e c t t o D e f e r r e d I n t e r e s t D e f e r r e d I n t e r e s t C h a r g e S p e c i a l T e r m s B a l a n c e NO INT IF PD IN FULL W/PMT mm/dd/ccyy mm/dd/ccyy 27.99% (v) $0.00 $0.00 $0.00 (v) = Variable Rate See reverse side of the second page for an explanation of how the Balance Subject to Deferred Interest for each Type of Balance was computed and an explanation of how to avoid additional interest charges. I n t e r e s t C h a r g e C a l c u l a t i o n Your A n n u a l P e r c e n t a g e R a t e ( A P R ) is the annual interest rate on your account. T y p e o f B a l a n c e T r a n s a c t i o n D a t e S p e c i a l T e r m s E n d D a t e A n n u a l P e r c e n t a g e R a t e ( A P R ) B a l a n c e S u b j e c t t o I n t e r e s t R a t e I n t e r e s t C h a r g e B a l a n c e REGULAR N/A N/A 27.99% (v) $0.00 $0.00 $0.00 NO INT W/EQUAL PYMT mm/dd/ccyy mm/dd/ccyy 00.00% $0.00 $0.00 $0.00 SPECIAL RATE mm/dd/ccyy N/A 15.99% $0.00 $0.00 $0.00 (v) = Variable Rate See reverse side of the second page for an explanation of how the Balance Subject to Interest Rate for each Type of Balance was computed and an explanation of how to avoid additional interest charges.
Transcript of A Guide To Reading Your Statement - Wells Fargo
Wells Fargo Financial National Bank
A guide to reading your statement
Billing CycleReflects the dates your statement covers.
Need help?We’re available to answer your call Monday – Friday, 8:00 a.m. – 6:00 p.m., Central Time, or you can get answers on our website 24/7.
Summary of Account ActivityA summary of all your account activity during the billing cycle, including any payments, purchases, interest, and fees.
Payment InformationView your minimum payment due this month, your due date, and the impact of paying only your minimum payment each month.
Special Term(s) expiringOne or more No Interest if Paid in Full balance(s) is about to expire.
Transaction SummaryView your purchases, other transaction activity, and payments listed in order of transaction date. You’ll also see a total for fees and interest charged for this billing cycle as well as year-to-date.
Special Terms CalculationA message to remind you of your special terms promotions that have expiration dates. If you do not pay off your expiring No Interest if Paid in Full balance(s) in full by the Specials Terms End Date(s), deferred interest will be charged from the purchase date and added to your balance.
Special Terms End DateThe date that your special terms promotion ends.
Deferred Interest ChargeThe amount of interest that has accrued in total from the original purchase date for No Interest if Paid in Full balances.
Interest Charge CalculationLists each type of balance (i.e., regular, special terms, etc.) and applicable balance, and interest charge for each type of balance.
Annual Percentage RateThe annual percentage rate used to calculate the Interest Charge(s) for each type of balance.
Issued by Wells Fargo Financial National Bank Account Number XXXX XXXX XXXX XXXX Visit us at wellsfargo.com/cardholders Billing Cycle mm/dd/ccyy to mm/dd/ccyy Customer Service: 1-800-459-8451 Monday-Friday, 8 a.m.-6 p.m. CT 24 Hour Automated Service
Summary of Account Activity Previous Balance $0.00 Payments -$0.00 Other Credits -$0.00 Purchases/Debits +$0.00 Fees Charged +$0.00 Interest Charged +$0.00
New Balance
Credit Limit Available Credit Statement Closing Date Days in Billing Cycle
$0.00
$0.00 $0.00
mm/dd/ccyy 31
1
Payment Information New Balance $0.00 Minimum Payment Due $0.00 Payment Due Date mm/dd/ccyy Urgent! Special Term(s) expiring - see Special Terms Expiration Alert(s)
Late Payment Warning: If we do not receive your minimum payment by the Payment Due Date listed above, you may have to pay up to a $XX.XX late fee. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example:
If you make no additional charges using
this card and each month you pay…
You will pay off the balance shown on this statement in
about…
And you will end up paying an
estimated total of…
Only the minimum payment
X years $0.00
$0.00 3 years $0.00 (Savings = $0.00)
For information about Credit Counseling and Debt Management Services, please call 1-877-285-2108, or go online:
www.usdoj.gov/ust/eo/bapcpa/ccde/cc_approved.htm
To learn about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau at: http://www.consumerfinance.gov/learnmore
Important Information
**SPECIAL TERMS EXPIRATION ALERT(S)**
To avoid paying Deferred Interest Charge(s), you must pay $000.00 by the Special Terms End Date. This amount includes the Minimum Payment Due, which must be paid by mm/dd/ccyy to avoid a late fee.
Type of Balance Special Terms End Date
Deferred Interest Charge
Special Terms Balance
NO INT IF PD IN FULL W/PMT mm/dd/ccyy $0.00 $0.00
Transaction Summary Reference Number Trans Date Post Date Description of Transaction or Credit Amount
200001485 48902229102 mm/dd/ccyy mm/dd/ccyy Merchant Name, City and State $0.00
200001485 48903857201 mm/dd/ccyy mm/dd/ccyy Merchant Name, City and State $0.00
Fees
mm/dd/ccyy mm/dd/ccyy LATE FEE $0.00
TOTAL FEES FOR THIS PERIOD $0.00 Interest Charged mm/dd/ccyy mm/dd/ccyy INTEREST CHARGE ON PURCHASES $0.00
TOTAL INTEREST FOR THIS PERIOD $0.00
ccyy Totals Year-to-Date
Total fees charged in ccyy $0.00 Total interest charged in ccyy $0.00
To pay your bill and manage your account online, sign up for Wells Fargo Online® at wellsfargo.com/cardholders. If you use a bill payment service other than Wells Fargo Online to make payments with us, we are not responsible for the accuracy and timeliness of your online bill payments.
You may also pay by phone using your bank routing and checking account number by calling 24 hours 1-800-459-8451. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION
5685 0001 JUJ 1 7 7 111111 0 I D PAGE X of X 1 0 5843 0240 AC05 01AA5685 45373
Please return bottom portion with your payment. We must receive payment by the due date. Do not send cash. Retain upper portion for your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Program Name Account # XXXX XXXX XXXX XXXX WELLS FARGO FINANCIAL NATIONAL BANK New Balance $0.00 CLIENT PROCESSING. MAC N0003-04E Minimum Payment Due $0.00 800 WALNUT STREET Payment Due Date mm/dd/ccyy DES MOINES IA 50309 Urgent! Special Term(s) expiring - see Special Terms Expiration Alert(s) Please Print Address and/or Phone Number Changes Below:
$ , .
CUSTOMER NAME WELLS FARGO FINANCIAL NATIONAL BANK ADDRESS LINE 1 P.O. BOX 660431 ADDRESS LINE 2 DALLAS TX 75266-0431 CITY, STATE ZIP
Barcode Barcode 00000000000000000000000000000000000000001234567
Address
City State Zip
( ) ( ) Home Phone Work Phone Make checks payable to:
Amount Enclosed
The statement shown is general and for illustrative purposes only. Your actual statement may look slightly different depending on your credit card product.
© 2014 Well Fargo Financial National Bank. All rights reserved. ECG-1175147 0314
Issued by Wells Fargo Financial National Bank Account Ending in XXXX Visit us at wellsfargo.com/cardholders Billing Cycle mm/dd/ccyy to mm/dd/ccyy Customer Service: 1-800-459-8451 Monday-Friday, 8 a.m.-6 p.m. CT 24 Hour Automated Service
Special Terms Calculation To avoid paying Deferred Interest Charge(s), you must pay your Special Terms Balance in full by the Special Terms End Date. Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Transaction
Date Special Terms
End Date Annual
Percentage Rate (APR)
Balance Subject to
Deferred Interest
Deferred Interest Charge
Special Terms
Balance
NO INT IF PD IN FULL W/PMT mm/dd/ccyy mm/dd/ccyy 27.99% (v) $0.00 $0.00 $0.00
(v) = Variable Rate
See reverse side of the second page for an explanation of how the Balance Subject to Deferred Interest for each Type of Balance was computed and an explanation of how to avoid additional interest charges.
Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Type of Balance Transaction Date
Special Terms End Date
Annual Percentage Rate (APR)
Balance Subject to
Interest Rate
Interest Charge
Balance
REGULAR N/A N/A 27.99% (v) $0.00 $0.00 $0.00
NO INT W/EQUAL PYMT mm/dd/ccyy mm/dd/ccyy 00.00% $0.00 $0.00 $0.00
SPECIAL RATE mm/dd/ccyy N/A 15.99% $0.00 $0.00 $0.00
(v) = Variable Rate See reverse side of the second page for an explanation of how the Balance Subject to Interest Rate for each Type of Balance was computed and an explanation of how to avoid additional interest charges.
5685 0001 JUJ 1 7 7 111111 0 I D PAGE X of X 1 0 5843 0240 AC05 01AA5685 45373
