Blue Cash Everyday® from American Express p.

1/7

S SARASWATULA Customer Care: 1-888-258-3741

Closing Date 06/22/22 TTY: Use Relay 711
Account Ending 1-01000 Website: americanexpress.com

Reward Dollars
New Balance $798.07 as of 05/24/2022
Minimum Payment Due $40.00 74.36
For more details about Rewards, visit
americanexpress.com/cashbackrewards
Payment Due Date 07/17/22 Account Summary

Late Payment Warning: If we do not receive your Minimum Payment Due by Previous Balance $491.05
the Payment Due Date of 07/17/22, you may have to pay a late fee of up to Payments/Credits -$760.13
$40.00 and your APRs may be increased to the Penalty APR of 29.99%. New Charges +$1,054.50
Fees +$12.65
Interest Charged +$0.00

Minimum Payment Warning: If you have a Non-Plan Balance and make only the New Balance $798.07
minimum payment each period, you will pay more in interest and it will take you longer Minimum Payment Due $40.00
to pay off your Non-Plan Balance. For example:
Credit Limit $8,500.00
If you make no additional You will pay off the balance And you will pay an Available Credit $7,701.93
charges and each month shown on this statement in estimated total of...
you pay... about... Cash Advance Limit $700.00
Available Cash $700.00
Only the
Minimum Payment Due 2 years $974

If you would like information about credit counseling services, call 1-888-733-4139.
See page 2 for important information about your account.

Please refer to the IMPORTANT NOTICES section on

page 7.

Please note, your credit limit is $8,500.00 and your cash limit is $700.00.

Please fold on the perforation below, detach and return with your payment

Payment Coupon Pay by Computer Pay by Phone Account Ending 1-01000

Do not staple or use paper clips americanexpress.com/pbc 1-800-472-9297
Enter 15 digit account # on all payments.
Make check payable to American Express.

S SARASWATULA Payment Due Date

3775 NORWAY LN 07/17/22
APT 528
COLUMBUS IN 47201-9858 New Balance
$798.07
Minimum Payment Due
$40.00

See reverse side for instructions AMERICAN EXPRESS

P.O. BOX 650448
$ .
Amount Enclosed
on how to update your address,
phone number, or email. DALLAS TX 75265-0448
 S SARASWATULA Account Ending 1-01000 p. 2/7

Payments: Your payment must be sent to the payment address shown on represents money owed to you. If within the six-month period following
your statement and must be received by 5 p.m. local time at that address to the date of the first statement indicating the credit balance you do not
be credited as of the day it is received. Payments we receive after 5 p.m. will request a refund or charge enough to use up the credit balance, we will
not be credited to your Account until the next day. Payments must also: (1) send you a check for the credit balance within 30 days if the amount is
include the remittance coupon from your statement; (2) be made with a $1.00 or more.
single check drawn on a US bank and payable in US dollars, or with a Credit Reporting: We may report information about your Account to credit
negotiable instrument payable in US dollars and clearable through the US bureaus. Late payments, missed payments, or other defaults on your
banking system; and (3) include your Account number. If your payment Account may be reflected in your credit report.
does not meet all of the above requirements, crediting may be delayed and What To Do If You Think You Find A Mistake On Your Statement
you may incur late payment fees and additional interest charges. Electronic If you think there is an error on your statement, write to us at:
payments must be made through an electronic payment method payable American Express, PO Box 981535, El Paso TX 79998-1535
in US dollars and clearable through the US banking system. Please do not You may also contact us on the Web: www.americanexpress.com
send post-dated checks as they will be deposited upon receipt. Any In your letter, give us the following information:
restrictive language on a payment we accept will have no effect on us - Account information: Your name and account number.
without our express prior written approval. We will re-present to your - Dollar amount: The dollar amount of the suspected error.
financial institution any payment that is returned unpaid. - Description of Problem: If you think there is an error on your bill,
Permission for Electronic Withdrawal: (1) When you send a check for describe what you believe is wrong and why you believe it is a mistake.
payment, you give us permission to electronically withdraw your payment You must contact us within 60 days after the error appeared on your
from your deposit or other asset account. We will process checks statement.
electronically by transmitting the amount of the check, routing number, You must notify us of any potential errors in writing [or electronically]. You
account number and check serial number to your financial institution, may call us, but if you do we are not required to investigate any potential
unless the check is not processable electronically or a less costly process is errors and you may have to pay the amount in question.
available. When we process your check electronically, your payment may While we investigate whether or not there has been an error, the following
be withdrawn from your deposit or other asset account as soon as the same are true:
day we receive your check, and you will not receive that cancelled check - We cannot try to collect the amount in question, or report you as
with your deposit or other asset account statement. If we cannot collect the delinquent on that amount.
funds electronically we may issue a draft against your deposit or other asset - The charge in question may remain on your statement, and we may
account for the amount of the check. (2) By using Pay By Computer, Pay By continue to charge you interest on that amount. But, if we determine that
Phone or any other electronic payment service of ours, you give us we made a mistake, you will not have to pay the amount in question or any
permission to electronically withdraw funds from the deposit or other asset interest or other fees related to that amount.
account you specify in the amount you request. Payments using such - While you do not have to pay the amount in question, you are responsible
services of ours received after 8:00 p.m. MST may not be credited until the for the remainder of your balance.
next day. - We can apply any unpaid amount against your credit limit.
How We Calculate Your Balance: We use the Average Daily Balance (ADB) Your Rights If You Are Dissatisfied With Your Credit Card Purchases
method (including new transactions) to calculate the balance on which we If you are dissatisfied with the goods or services that you have purchased
charge interest on your Account. Call the Customer Care number on page 3 with your credit card, and you have tried in good faith to correct the
for more information about this balance computation method and how problem with the merchant, you may have the right not to pay the
resulting interest charges are determined. The method we use to figure the remaining amount due on the purchase.
ADB and interest results in daily compounding of interest. To use this right, all of the following must be true:
Paying Interest: Your due date is at least 25 days after the close of each 1. The purchase must have been made in your home state or within 100
billing period. We will not charge you interest on your purchases if you pay miles of your current mailing address, and the purchase price must have
each month your entire balance (or Adjusted Balance if applicable) by the been more than $50. (Note: Neither of these is necessary if your purchase
due date each month. We will charge you interest on cash advances and was based on an advertisement we mailed to you, or if we own the
(unless otherwise disclosed) balance transfers beginning on the transaction company that sold you the goods or services.)
date. 2. You must have used your credit card for the purchase. Purchases made
Foreign Currency Charges: If you make a Charge in a foreign currency, we with cash advances from an ATM or with a check that accesses your credit
will convert it into US dollars on the date we or our agents process it. We card account do not qualify.
will charge a fee of 2.70% of the converted US dollar amount. We will 3. You must not yet have fully paid for the purchase.
choose a conversion rate that is acceptable to us for that date, unless a If all of the criteria above are met and you are still dissatisfied with the
particular rate is required by law. The conversion rate we use is no more purchase, contact us in writing or electronically at:
than the highest official rate published by a government agency or the American Express, PO Box 981535, El Paso TX 79998-1535
highest interbank rate we identify from customary banking sources on the www.americanexpress.com
conversion date or the prior business day. This rate may differ from rates in While we investigate, the same rules apply to the disputed amount as
effect on the date of your charge. Charges converted by establishments discussed above. After we finish our investigation, we will tell you our
(such as airlines) will be billed at the rates such establishments use. decision. At that point, if we think you owe an amount and you do not pay
Credit Balance: A credit balance (designated CR) shown on this statement we may report you as delinquent.

Pay Your Bill with AutoPay

Deduct your payment from your bank
account automatically each month.

- Avoid late fees

- Save time
Change of Address, phone number, email
Visit americanexpress.com/autopay
- Online at www.americanexpress.com/updatecontactinfo today to enroll.
- Via mobile device
- Voice automated: call the number on the back of your card
- For name, company name, and foreign address or phone changes, please call Customer Care
Please do not add any written communication or address change on this stub For information on how we protect your
privacy and to set your communication
and privacy choices, please visit
www.americanexpress.com/privacy.
 Blue Cash Everyday® from American Express p. 3/7

S SARASWATULA
Closing Date 06/22/22 Account Ending 1-01000

Customer Care & Billing Inquiries 1-888-258-3741

International Collect 1-336-393-1111 Website: americanexpress.com
Cash Advance at ATMs Inquiries 1-800-CASH-NOW
Large Print & Braille Statements 1-888-258-3741 Customer Care
& Billing Inquiries Payments
P.O. BOX 981535 P.O. BOX 650448
EL PASO, TX DALLAS TX 75265-
79998-1535 0448
Hearing Impaired
Online chat at americanexpress.com or use Relay dial 711 and 1-888-258-3741

Payments and Credits

Summary

Total
Payments -$760.13
Credits $0.00
Total Payments and Credits -$760.13

Detail *Indicates posting date

Payments Amount
06/01/22* ONLINE PAYMENT - THANK YOU -$760.13

New Charges
Summary
Total
Total New Charges $1,054.50

Detail

S SARASWATULA
Card Ending 1-01000 Foreign
Spend Amount
05/23/22 APNA BAZAAR 00-08036886151 COLUMBUS IN $29.97
GROCERY STORE
05/26/22 EMIRATES AWM K58AV6 26MAY2022 0820 IBE WASHINGTON $159.00
EMIRATES AIRLINES
From: To: Carrier: Class:
BOSTON LOGAN INTER DUBAI EK M
HYDERABAD EK M
DUBAI EK K
BOSTON LOGAN INTER EK K
Ticket Number: 17623486946380 Date of Departure: 06/09
Passenger Name: SARASWATULA/SAIARAVINDMR
Document Type: PASSENGER TICKET
05/27/22 MARCO'S PIZZA COLUMBUS IN $13.37
8123501976
05/27/22 USPS PO 1717820705 001358819 COLUMBUS IN $8.95
8002758777
05/27/22 IN BMV COLUMBUS 629 000000001 COLUMBUS IN $39.85
8002365446
05/29/22 MCDONALD'S F11729 000000000315789 BOSTON MA $2.45
6172611551
05/30/22 AMC ONLINE 9640 LEAWOOD KS $15.49
8884404262

Continued on reverse
 S SARASWATULA Account Ending 1-01000 p. 4/7

Detail Continued

Foreign
Spend Amount
06/02/22 GEICO AUTO (800)841-3000 DC $93.80
INSURANCE
06/03/22 DUNKIN #304355 Q35 3043 BOSTON MA $2.56
617-265-5800
06/06/22 COSTCO BY INSTACART SAN FRANCISCO CA $59.27
+18882467822
06/07/22 WALGREENS #3016 000003016 ROXBURY MA $10.63
NONE 02119
PHARMACIES
06/07/22 WALGREENS #3016 000003016 ROXBURY MA $25.97
8002892273
06/10/22 DUBAI DUTY FREE, DUBAI DUBAI 1,399.44 $381.06
United Arab Emirat
DUTY-FREE STORE Dirhams
06/11/22 SHOPPERS STOP LTD MUMBAI MA 6,545.00 $84.14
Indian Rupees
GENERAL MERCHANDISE
06/11/22 SUB WAY2 HYDERABAD 310.00 $3.99
Indian Rupees
RESTAURANT
06/19/22 ALGT*AIR-702-505-8888 LAS VEGAS NV $124.00
Allegiant
From: To: Carrier: Class:
BOSTON LOGAN INTER INDIANAPOLIS, INDI G4 C
Ticket Number: BYP7XP Date of Departure: 07/03
Passenger Name: Saraswatula/Sai Aravind
Document Type: PASSENGER TICKET

Fees

**Foreign Transaction Fee is 2.70% of the converted US dollar amount

of the foreign currency charge. See Foreign Currency Charges on page 2. Amount
06/10/22 FOREIGN TRANSACTION FEE** $10.28
DUBAI DUTY FREE, DUBAI
$381.06
06/11/22 FOREIGN TRANSACTION FEE** $2.27
SHOPPERS STOP LTD
$84.14
06/11/22 FOREIGN TRANSACTION FEE** $0.10
SUB WAY2
$3.99
Total Fees for this Period $12.65

Interest Charged

Amount

Total Interest Charged for this Period $0.00

About Trailing Interest

You may see interest on your next statement even if you pay the new balance in full and on time and make no new charges. This is called
"trailing interest". Trailing interest is the interest charged when, for example, you didn't pay your previous balance in full. When that
happens, we charge interest from the first day of the billing period until we receive your payment in full. You can avoid paying interest
on purchases by paying your balance in full (or if you have a Plan balance, by paying your Adjusted Balance on your billing statement) by
the due date each month. Please see the "When we charge interest" sub-section in your Cardmember Agreement for details.

Continued on next page

 Blue Cash Everyday® from American Express p. 5/7

S SARASWATULA
Closing Date 06/22/22 Account Ending 1-01000

2022 Fees and Interest Totals Year-to-Date

Amount
Total Fees in 2022 $12.65
Total Interest in 2022 $0.00

Interest Charge Calculation Days in Billing Period: 30

Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Transactions Dated Annual Balance Interest
Percentage Subject to Charge
From To Rate Interest Rate

Purchases 05/24/2021 23.49% (v) $0.00 $0.00

Cash Advances 05/24/2021 26.74% (v) $0.00 $0.00

Introductory Purchase 05/24/2021 0.00% $0.00 $0.00

Rate Expires 08/23/2022 then will go to 23.49% (v)
Total $0.00
(v) Variable Rate
S SARASWATULA Account Ending 1-01000 p. 6/7
 p. 7/7
S SARASWATULA Closing Date 06/22/22 Account Ending 1-01000
IMPORTANT NOTICES

EFT Error Resolution Notice

In Case of Errors or Questions About Your Electronic Transfers Telephone us at 1-800-IPAY-AXP for Pay By
Phone questions, at 1-800-528-2122 for Pay By Computer questions, and at 1-800-528-4800 for AutoPay. You
may also write us at American Express, Electronic Funds Services, P.O. Box 981531, El Paso TX 79998-1531, or
contact online at www.americanexpress.com/inquirycenter as soon as you can, if you think your statement or
receipt is wrong or if you need more information about a transfer on the statement or receipt. We must hear from
you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared.
1. Tell us your name and account number (if any).
2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you
believe it is an error or why you need more information.
3. Tell us the dollar amount of the suspected error.
We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to
do this, we will credit your account for the amount you think is in error, so that you will have the use of the money
during the time it takes us to complete our investigation.

End of Important Notices.