IDX_ANCHOR 104EA3D7A1B21C44B1ADC5496061306D
Statement of Account:
ELISABETH ASHLEIGH BOLT
Card Number: ****************5441 Page 1 of 3
Access your account online at [Link] February 16, 2023 - March 15, 2023
Account Summary Payment Information
Previous Balance $477.71 New Balance $441.82
Payments $902.45
Other Credits $0.00 Minimum Payment Due: $25.00
Purchases $866.56 Payment Due Date: 04/10/23
Balance Transfer $0.00
Cash Advances $0.00 Late Payment Warning: If we do not receive your minimum
Past Due Amount $0.00 payment by the date listed above, you may have to pay a $25 late fee
Fees Charged $0.00 and your APRs may be increased up to the penalty APR of 18.00%.
Interest Charged $0.00
New Balance $441.82 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:
Credit Limit: $500.00
Available Credit: $58.18 If you make no You will pay off
Statement Closing Date: 03/15/23 And you will end up
additional charges the balance shown
Days In Billing Cycle: 28 paying an
using this card on this statement
estimated total of...
Account Services: 1.800.839.6328 and you pay... in about...
Report a Lost or Stolen Card: 1.800.839.6328 Only the minimum
21 months $516.00
payment
Send Written Inquiries To: Grow Financial Federal Credit Union
P.O. Box 89818
Tampa, FL 33689-0413
Mail Payments To: Grow Financial Federal Credit Union
P.O. Box 75466 If you would like information about credit counseling services, please
Chicago, IL 60675-5466 call 1.877.316.6322
Important News
Scam alert! According to the FBI, wire transfer fraud has become one of the most common forms of real estate fraud in the United
States, costing homebuyers millions each year. Learn how to protect yourself from wire transfer fraud at [Link]/wirefraud.
Detach and return with payment using the enclosed envelope. Please allow 5 days for mail delivery.
Card Number
****************5441
Amount of Payment Enclosed
Closing Date New Balance Minimum Payment Due Payment Due Date
03/15/23 $441.82 $25.00 04/10/23
Please make your check payable to:
ELISABETH ASHLEIGH BOLT
4 N 2ND ST Grow Financial Federal Credit Union
FERNANDINA BEACH FL 32034-4102 P.O. Box 75466
Chicago, IL 60675-5466
TATAFDTAADDDFTAFFTTTATFFFFTFFFFDFDTADFTATAAAFDDTTAATTDDDAFDAFTTFD
GROW 007444000000000 0002228395 60 04102023 00002500 00000000 0
IMPORTANT INFORMATION
Finance Charge Calculation Method and Computation of Average Daily Balance Subject to Finance Charge. The Finance Charge Calculation Method applicable to your account
for Cash Advances and Credit Purchases of goods and services that you obtain through the use of your card is specified on the last page of this statement and explained below:
Method A - Average Daily Balance (including current transactions). The Finance Charge on purchases begins from the date the transaction is posted to your account, and the
Finance Charge on cash advances begins from the date you obtained the cash advance, or the first day of the billing cycle in which it is posted to your account, whichever is
later. There is no grace period.
The Finance Charges for a billing cycle are computed by applying the Periodic Rate to the “average daily balance” of your account. To get the average daily balance, we take
the beginning balance of your account each day, add any new purchases or cash advances, and subtract any payments, credits, non-accruing fees, and unpaid finance charges.
This gives us the daily balance. Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle.
Method G - Average Daily Balance (including current transactions). To avoid incurring an additional Finance Charge on the balance of purchases (and cash advances, if Method
G is specified as applicable to cash advances) reflected on your monthly statement and, on any new purchases (and if applicable, cash advances) appearing on your next
monthly statement, you must pay the New Balance, shown on your monthly statement, on or before the Payment Due Date. The grace period for the New Balance of purchases
extends to the Payment Due Date.
The Finance Charges for a billing cycle are computed by applying the Periodic Rate to the ‘average daily balance’ of purchases (and if applicable, cash advances). To get the
average daily balance, we take the beginning balance of your account each day, add any new purchases or cash advances, and subtract any payments, credits, non-accruing
fees, and unpaid finance charges. This gives us the daily balance. Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the
billing cycle.
Payment Crediting and Credit Balance. Payments received at the location specified on the front of the statement after the phrase “Please make your check payable to” will be
credited as of the date of receipt to the account specified on the payment coupon. Payments received at locations other than the address specified or payments that do not
conform to the requirements set forth on or with the periodic statement (e.g. missing payment stub, payment envelope other than as provided with your statement, multiple
checks or multiple coupons in the same envelope) may be subject to delay in crediting, but shall be credited within five days of receipt. If there is a credit balance due on your
account, you may request in writing, a full refund. Submit your request to Grow Financial Federal Credit Union, Attn: Financial Card Services, P.O. BOX 89818, Tampa, FL
33689-0413.
By sending your check, you are authorizing the use of the information on your check to make a one-time electronic debit from the account on which the check is drawn. This
electronic debit, which may be posted to your account as early as the date your check is received, will be only for the amount of your check. The original check will be destroyed
and we will retain the image in our records. If you have questions please call Financial Card Services at (800) 839-6328 ext 2695.
Closing Date. The closing date is the last day of the billing cycle; all transactions received after the closing date will appear on your next statement.
Negative Credit Reports. You are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the
terms of your credit obligations.
BILLING RIGHTS SUMMARY
In Case of Errors or Inquiries About Your Bill. If you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet of
paper to: Grow Financial Federal Credit Union, Attn: Financial Card Services, P.O. BOX 89818, Tampa, FL 33689-0413 as soon as possible. We must hear from you no later
than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights.
In your letter, give us the following information:
Your name and account number.
The dollar amount of the suspected error.
Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure about.
You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate
your question, we cannot report you as delinquent or take any action to collect the amount you question.
Special Rule For Credit Card Purchases
If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you
may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50.00 and the purchase was
made in your home state or within 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for the property or services, all
purchases are covered regardless of amount or location of purchase.)
Card Number: ****************5441 Page 2 of 3
Account Activity Since Your Last Statement
Trans Date Post Date Reference Number Description Amount
02/18/23 02/18/23 Payment Home Banking Transfer From Share 01 -250.00
02/18/23 02/18/23 24692163049105018233279 LOVE'S #566 OZARK AL 37.00
02/19/23 02/19/23 24137463050000979886616 SPEEDWAY 06858 ZEPHYRHILLS FL 35.60
02/19/23 02/19/23 24943003050838005819863 TACO BELL #029581 ZEPHYRHILLS FL 16.20
02/19/23 02/20/23 24055243050837000899330 WAWA 5285 610-358-8000 FL 9.62
02/19/23 02/20/23 24055243050837000899363 WAWA 5285 610-358-8000 FL 10.69
02/19/23 02/20/23 24055243050837000899306 WAWA 5285 610-358-8000 FL 30.13
02/20/23 02/21/23 24943003052400495000013 IHOP 36-192 OLO [Link] FL 42.54
02/20/23 02/21/23 24316053052548397353106 SHELL OIL 57542548409 DADE CITY FL 2.91
02/22/23 02/22/23 24943003053700728938403 PARAMOUNT+ 888-274-5343 CA 5.67
02/23/23 02/24/23 24055243054837000294603 WAWA 5285 ZEPHYRHILLS FL 4.47
02/22/23 02/24/23 24055243054837000903641 WAWA 5285 610-358-8000 FL 30.23
02/24/23 02/25/23 24055243055837000906288 WAWA 5285 610-358-8000 FL 6.41
02/26/23 02/28/23 24055243058837000909016 WAWA 5285 610-358-8000 FL 16.56
03/01/23 03/02/23 24055243060837000912917 WAWA 5285 610-358-8000 FL 5.35
03/03/23 03/03/23 Payment Home Banking Transfer From Share 01 -75.00
03/03/23 03/04/23 24137463063001154274458 PUBLIX #1245 ZEPHYRHILLS FL 42.57
03/04/23 03/05/23 24055243063837000918341 WAWA 5285 610-358-8000 FL 28.79
03/09/23 03/09/23 Payment Home Banking Transfer From Share 01 -477.45
03/10/23 03/10/23 24692163069100287142090 GEICO *AUTO 800-841-3000 DC 393.64
03/12/23 03/12/23 24692163071101182222322 [Link]/CHARGE 888-311-2977 CA 37.00
03/12/23 03/13/23 24793383072000724559079 store ZEPHYRHILLS FL 5.77
03/13/23 03/13/23 Payment Home Banking Transfer From Share 01 -100.00
03/13/23 03/14/23 24137463073001050171640 WINN DIXIE #2423 TEMPLE TERR FL 85.89
03/13/23 03/14/23 24793383073001445044945 store TAMPA FL 19.52
Interest Charged
Interest Charge on Purchases $0.00
Interest Charge on Cash Advances $0.00
TOTAL INTEREST FOR THIS PERIOD $0.00
2023 Totals Year-to-Date
Total Fees Charged in 2023 $0.00
Total Interest Charged in 2023 $3.37
Interest Charge Calculation
Annual
Type of FCM* Previous Balance Subject Periodic Interest Ending
Percentage Rate
Balance Balance To Interest Rate Rate** Charge Balance
(APR)
Purchases $477.71 $441.82
Purchase G $0.00 1.49916% $0.00 17.990%
Cash $0.00 $0.00
Cash A $0.00 1.50000% $0.00 18.000%
Total $477.71 $0.00 $0.00 $441.82
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Days In Billing Cycle: 28
*See reverse of page one for explanation of Finance Charge Method (FCM)
** Periodic rates may vary
Card Number: ****************5441 Page 3 of 3