Delta SkyMiles® Reserve Card p.

1/8

JAY CAO Customer Care: 1-866-391-1424

Closing Date 01/29/25 TTY: Use Relay 711
Account Ending 8-71004 Website: americanexpress.com

Delta SkyMiles®
New Balance $1,324.03 Miles Earned this Period
Minimum Payment Due $40.00 1,912
For more details about Rewards, please
visit americanexpress.com/rewardsinfo
Payment Due Date 02/23/25 Account Summary
Previous Balance $24,268.11
Late Payment Warning: If we do not receive your Minimum Payment Due by Payments/Credits -$24,278.11
the Payment Due Date of 02/23/25, you may have to pay a late fee of up to New Charges +$1,334.03
$40.00 and your APRs may be increased to the Penalty APR of 29.99%. Fees +$0.00
Interest Charged +$0.00
Minimum Payment Warning: If you have a Non-Plan Balance and make only the
minimum payment each period, you will pay more in interest and it will take you longer
to pay off your Non-Plan Balance. For example:

If you make no additional You will pay off the balance And you will pay an New Balance $1,324.03
charges and each month shown on this statement in estimated total of... Minimum Payment Due $40.00
you pay... about...
Credit Limit $33,000.00
Only the Available Credit $31,675.97
5 years $2,618
Minimum Payment Due
Cash Advance Limit $5,000.00
$2,005 Available Cash $5,000.00
$56 3 years (Savings = $613)

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.

We will debit your bank account for your payment of $40.00 on

02/13/25. This date may not be the same date your bank will debit your
bank account. Any inquiry to American Express concerning this debit
should be made before 02/11/25. If your AutoPay payment is less than
your Minimum Payment Due, we must receive an additional payment
for at least the difference by 02/23/25.

Payment Coupon Pay by Computer Pay by Phone Account Ending 8-71004

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.

JAY CAO Payment Due Date

900 S FIGUEROA ST 02/23/25
2302
LOS ANGELES CA 90015 New Balance
$1,324.03
AutoPay Amount
$40.00

See reverse side for instructions AMERICAN EXPRESS

PO BOX 96001
$ .
Amount Enclosed
on how to update your address,
phone number, or email. LOS ANGELES CA 90096-8000

*900968000017*
0000349993003560954 000132403000004000 25 Á
 JAY CAO Account Ending 8-71004 p. 2/8

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

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.
 Delta SkyMiles® Reserve Card p. 3/8

JAY CAO
Closing Date 01/29/25 Account Ending 8-71004

Customer Care & Billing Inquiries 1-866-391-1424

International Collect 1-336-393-1111 Website: americanexpress.com
Cash Advance at ATMs Inquiries 1-800-CASH-NOW
Large Print & Braille Statements 1-866-391-1424 Customer Care Payments
& Billing Inquiries PO BOX 96001
P.O. BOX 981535 LOS ANGELES CA
EL PASO, TX 90096-8000
79998-1535
Hearing Impaired
Online chat at americanexpress.com or use Relay dial 711 and 1-866-391-1424

Payments and Credits

Summary

Total
Payments -$24,268.11
Credits -$10.00
Total Payments and Credits -$24,278.11

Detail *Indicates posting date

Payments Amount
01/13/25* AUTOPAY PAYMENT RECEIVED - THANK YOU -$485.36
JPMorgan Chase Bank, NA
01/22/25* MOBILE PAYMENT - THANK YOU -$23,782.75
Credits Amount
01/02/25 AMEX RIDESHARE CREDIT -$10.00
LYFT

New Charges
Summary
Total
Total New Charges $1,334.03

Detail
JAY CAO
Card Ending 8-71004
Amount
12/31/24 AplPay LYFT 855-280-0278 CA $61.80
2032714021858737994104
2032714021858737906
01/01/25 SPECTRUM 855-707-7328 MO $101.25
CABLE SVC
01/02/25 AplPay LYFT 855-280-0278 CA $25.62
2033508902615542794104
2033508902615542704
01/04/25 DELTA AIR LINES ATLANTA $142.19
DELTA AIR LINES
From: To: Carrier: Class:
LAS VEGAS MCCARRAN LOS ANGELES INTERN DL 00
Ticket Number: 0062292847479 Date of Departure: 01/04
Passenger Name: GONZALEZ/ASHLEY
Document Type: ADDITIONAL COLLECTION

Continued on reverse
 JAY CAO Account Ending 8-71004 p. 4/8

Detail Continued
Amount
01/04/25 DELTA AIR LINES ATLANTA $142.19
DELTA AIR LINES
From: To: Carrier: Class:
LAS VEGAS MCCARRAN LOS ANGELES INTERN DL 00
Ticket Number: 0062292847478 Date of Departure: 01/04
Passenger Name: CAO/JAY
Document Type: ADDITIONAL COLLECTION
01/05/25 AplPay LYFT 855-280-0278 CA $90.15
2034574823202724794104
2034574823202724796
01/05/25 AplPay DD *CAVIAR CHIFA SAN FRANCISCO CA $102.47
+16506819470
01/05/25 AplPay DD *DOORDASHDASHPASS SAN FRANCISCO CA $9.99
+16506819470
01/06/25 AplPay UBER EATS help.uber.com CA $26.40
8005928996
01/07/25 AplPay UBER EATS HTTPS://HELP.UBER.COM CA $37.24
8005928996
01/08/25 AplPay UBER EATS HTTPS://HELP.UBER.COM CA $27.27
8005928996
01/08/25 AplPay UBER EATS help.uber.com CA $16.41
8005928996
01/08/25 AplPay UBER EATS help.uber.com CA $3.00
8005928996
01/09/25 AplPay BT*DD *CAVIAR BLOSSOMVIET SAN FRANCISCO CA $22.46
8559731040
01/09/25 SPOTIFY USA NEW YORK NY $19.99
CABLE & PAY TV
01/12/25 AplPay UBER EATS HTTPS://HELP.UBER.COM CA $111.74
8005928996
01/14/25 AplPay LYFT 855-280-0278 CA $16.49
2038402893822517094104
2038402893822517092
01/16/25 AplPay UBER EATS help.uber.com CA $28.52
8005928996
01/22/25 WATER COFFEE DELIVERY WATER COFFEE DE TAMPA FL $166.82
800-728-5508
01/24/25 GOOGLE *YOUTUBE TV G.CO/HELPPAY# CA $82.99
DIGITAL GOODS: APPS
01/25/25 DELTA AIR LINES ATLANTA $5.60
DELTA AIR LINES
From: To: Carrier: Class:
LOS ANGELES INTERN LAS VEGAS MCCARRAN DL 00
Ticket Number: 0060907753776 Date of Departure: 01/24
Passenger Name: CAO/JAY
Document Type: ADDITIONAL COLLECTION
01/25/25 AplPay LYFT 855-280-0278 CA $73.44
2041976903802579694104
2041976903802579696
01/28/25 OPENAI *CHATGPT SUBSCR SAN FRANCISCO CA $20.00
+14158799686

Fees

Amount
Total Fees for this Period $0.00

Continued on next page

 Delta SkyMiles® Reserve Card p. 5/8

JAY CAO
Closing Date 01/29/25 Account Ending 8-71004

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.

2025 Fees and Interest Totals Year-to-Date

Amount
Total Fees in 2025 $0.00
Total Interest in 2025 $0.00

Interest Charge Calculation Days in Billing Period: 31

Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Variable APRs will not exceed 29.99%.
Transactions Dated Annual Balance Interest
Percentage Subject to Charge
From To Rate Interest Rate

Purchases 06/28/2022 28.99% (v) $0.00 $0.00

Cash Advances 06/28/2022 29.49% (v) $0.00 $0.00

Total $0.00
(v) Variable Rate

SkyMiles® Account Number: XXXXXX2429

Current Period Year to Date

Miles Earned for Eligible Purchases 1,332 1,270
Total Bonus Miles Earned and Adjustments 580 580
Total Miles Earned 1,912 1,850

Bonus Miles Earned and Adjustments

Current Period
3X Miles at Delta 580
Total 580

You may have forfeited miles that are eligible for reinstatement. To avoid forfeiting miles, please make the minimum payment on time.
JAY CAO Account Ending 8-71004 p. 6/8
 p. 7/8
JAY CAO Closing Date 01/29/25 Account Ending 8-71004
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 us 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.

Your Cardmember Agreement

To access the most up to date version of your Cardmember Agreement, please log in to your Account at
www.americanexpress.com.

Updates to Your Card Benefits

Effective February 1, 2025
Updates to Complimentary Delta Sky Club® Access:
• The benefit name will change to "Delta Sky Club® Access".
• Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of
Visits ("Unlimited Delta Sky Club Access") each year starting on February 1, 2025, the total eligible purchases
on the Card must equal $75,000 or more between January 1, 2024 and December 31, 2024, and each
calendar year thereafter.
• A "Visit" is an entry to one or more Delta Sky Clubs or usage of the Delta Sky Club "Grab and Go" feature, at
one or more airports, for a period of up to 24 hours starting upon the first Delta Sky Club entry or Grab and Go
usage, during the Reserve Card Member's travel on a same-day Delta-marketed or Delta-operated flight. A
single Visit permits usage of Delta Sky Club(s) in multiple airports during the 24-hour period.
• Once all 15 Visits have been used and before reaching Unlimited Delta Sky Club Access, Reserve Card
Members will have access to the Delta Sky Club at a per-visit rate of $50 per person using the Card.
• Reserve Card Members may log in to your American Express online account to check remaining Visits and
track progress toward unlocking Unlimited Delta Sky Club Access.

Additional Terms apply; for details, visit:

global.americanexpress.com/card-benefits/detail/delta-sky-club-access/delta-reserve.

Updates to Delta Sky Club One-Time Guest Passes:

• Reserve Card Members will be issued four One-Time Guest Passes for complimentary access to the Delta
Sky Club or usage of the Delta Sky Club "Grab and Go" feature within 6 to 8 weeks after Account opening,
and thereafter every subsequent year within 6 to 8 weeks after February 1 while the Account is open.
Previously, the One-Time Guest Passes were issued at Account opening and after Account renewal.

Additional Terms apply; for details, visit: global.americanexpress.com/card-benefits/terms/delta-reserve#top.

ShopRunner Card Benefit Removal

Effective March 31, 2025, ShopRunner membership will no longer be a Card benefit. Card Members currently
enrolled through American Express will continue to receive their complimentary ShopRunner membership for the
remainder of their ShopRunner membership year and two years thereafter, subject to ShopRunner's policies and
terms and conditions.

Important Notices continued on next page.

 p. 8/8
JAY CAO Closing Date 01/29/25 Account Ending 8-71004
IMPORTANT NOTICES continued

Information about the American Express Auto Purchasing Program

Effective April 28, 2025, the American Express Auto Purchasing Program will be decommissioned and no longer
available as a benefit for Card Members. Any offers, including any upfront price offers, available through the
American Express Auto Purchasing Program will expire on their stated end date.

End of Important Notices.