Blue Cash® from American Express p.1/7
JOSEPH PAULSON CustomerCare: 1-888-258-3741
Closing Date 09/27/23 TTY: UseRelay711
Account Ending 7-73045 Website: americanexpress.com
RewardDollars
New Balance $10,269.65
asof 08/29/2023
Minimum Payment Due $205.39 1,087.93
FormoredetailsaboutRewards,visit
americanexpress.com/cashbackrewards
Payment Due Date 10/22/23
AccountSummary
LatePaymentWarning:IfwedonotreceiveyourMinimumPaymentDueby PreviousBalance $6,583.67
the Payment Due Date of 10/22/23, you may have to pay a late fee of up to Payments/Credits -$6,583.67
$40.00andyourAPRsmaybeincreasedtothePenaltyAPRof29.99%. NewCharges +$10,269.65
Fees +$0.00
InterestCharged +$0.00
MinimumPaymentWarning:IfyouhaveaNon-PlanBalanceandmakeonlythe NewBalance $10,269.65
minimumpaymenteachperiod,youwillpaymoreininterestanditwilltakeyoulonger MinimumPaymentDue $205.39
topayoffyourNon-PlanBalance.Forexample:
CreditLimit $26,400.00
Ifyoumakenoadditional Youwillpayoffthebalance Andyouwillpayan AvailableCredit $16,130.35
chargesandeachmonth shownonthisstatementin estimatedtotalof...
CashAdvanceLimit $4,600.00
youpay... about...
AvailableCash $4,600.00
Onlythe
22years $29,830
MinimumPaymentDue
$14,640
$407 3years (Savings=$15,190)
Ifyouwouldlikeinformationaboutcreditcounselingservices,call1-888-733-4139.
Seepage2forimportantinformationaboutyouraccount.
PleaserefertotheIMPORTANTNOTICESsectionon
page7.
Continuedonpage3
Pleasefoldontheperforationbelow,detachandreturnwithyourpayment
PaymentCoupon PaybyComputer PaybyPhone A c c o u n t E n d in g 7 -7 3 0 4 5
Donotstapleorusepaperclips americanexpress.com/pbc 1-800-472-9297
Enter15digitaccount#onallpayments.
MakecheckpayabletoAmericanExpress.
J O S E P H PAU L S O N PaymentDueDate
3742 CLOUD SPGS RD 10/22/23
#403-1045
DALLAS TX 75219-4136 NewBalance
$10,269.65
MinimumPaymentDue
$205.39
.
Seereversesideforinstructions AMERICANEXPRESS $
onhowtoupdateyouraddress, POBOX6031 Amount Enclosed
phonenumber,oremail. CAROLSTREAMIL60197-6031
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J O S E P H P A U L S O N
Account Ending 7-73045 p.2/7
Payments:Yourpaymentmustbesenttothepaymentaddressshownon representsmoneyowedtoyou.Ifwithinthesix-monthperiodfollowing
yourstatementandmustbereceivedby5p.m.localtimeatthataddressto the date of the first statement indicating the credit balance you do not
becreditedasofthedayitisreceived.Paymentswereceiveafter5p.m.will requestarefundorchargeenoughtouseupthecreditbalance,wewill
notbecreditedtoyourAccountuntilthenextday.Paymentsmustalso:(1) sendyou a check for the credit balance within 30days ifthe amountis
includethe remittancecouponfromyour statement;(2)bemadewitha $1.00ormore.
single check drawn on a US bank and payable in US dollars, or with a CreditReporting: WemayreportinformationaboutyourAccounttocredit
negotiableinstrumentpayableinUSdollarsandclearablethroughtheUS bureaus. Late payments, missed payments, or other defaults on your
banking system; and (3) include your Account number. If your payment Accountmaybereflectedinyourcreditreport.
doesnotmeetalloftheaboverequirements,creditingmaybedelayedand WhatToDoIfYouThinkYouFindAMistakeOnYourStatement
youmayincurlatepaymentfeesandadditionalinterestcharges.Electronic Ifyouthinkthereisanerroronyourstatement,writetousat:
paymentsmustbemadethroughanelectronicpaymentmethodpayable AmericanExpress,POBox981535,ElPasoTX79998-1535
inUSdollarsandclearablethroughtheUSbankingsystem.Pleasedonot YoumayalsocontactusontheWeb:www.americanexpress.com
send post-dated checks as they will be deposited upon receipt. Any Inyourletter,giveusthefollowinginformation:
restrictive language on a payment we accept will have no effect on us -Accountinformation:Yournameandaccountnumber.
without our express prior written approval. We will re-present to your -Dollaramount:Thedollaramountofthesuspectederror.
financialinstitutionanypaymentthatisreturnedunpaid. -DescriptionofProblem:Ifyouthinkthereisanerroronyourbill,
Permission for Electronic Withdrawal: (1) When you send a check for describewhatyoubelieveiswrongandwhyyoubelieveitisamistake.
payment,yougiveuspermissiontoelectronicallywithdrawyourpayment Youmustcontactuswithin60daysaftertheerrorappearedonyour
from your deposit or other asset account. We will process checks statement.
electronically by transmitting the amount of the check, routing number, Youmustnotifyusofanypotentialerrorsinwriting[orelectronically].You
account number and check serial number to your financial institution, maycallus,butifyoudowearenotrequiredtoinvestigateanypotential
unlessthecheckisnotprocessableelectronicallyoralesscostlyprocessis errorsandyoumayhavetopaytheamountinquestion.
available.Whenweprocessyourcheckelectronically,yourpaymentmay Whileweinvestigatewhetherornottherehasbeenanerror,thefollowing
bewithdrawnfromyourdepositorotherassetaccountassoonasthesame aretrue:
daywereceiveyourcheck,andyouwillnotreceivethatcancelledcheck -Wecannottrytocollecttheamountinquestion,orreportyouas
withyourdepositorotherassetaccountstatement.Ifwecannotcollectthe delinquentonthatamount.
fundselectronicallywemayissueadraftagainstyourdepositorotherasset -Thechargeinquestionmayremainonyourstatement,andwemay
accountfortheamountofthecheck.(2)ByusingPayByComputer,PayBy continuetochargeyouinterestonthatamount.But,ifwedeterminethat
Phone or any other electronic payment service of ours, you give us wemadeamistake,youwillnothavetopaytheamountinquestionorany
permissiontoelectronicallywithdrawfundsfromthedepositorotherasset interestorotherfeesrelatedtothatamount.
account you specify in the amount you request. Payments using such -Whileyoudonothavetopaytheamountinquestion,youareresponsible
servicesofoursreceivedafter8:00p.m.MSTmaynotbecrediteduntilthe fortheremainderofyourbalance.
nextday. -Wecanapplyanyunpaidamountagainstyourcreditlimit.
HowWeCalculateYourBalance: WeusetheAverageDailyBalance(ADB) YourRightsIfYouAreDissatisfiedWithYourCreditCardPurchases
method(includingnewtransactions)tocalculatethebalanceonwhichwe Ifyouaredissatisfiedwiththegoodsorservicesthatyouhavepurchased
chargeinterestonyourAccount.CalltheCustomerCarenumberonpage3 withyourcreditcard,andyouhavetriedingoodfaithtocorrectthe
for more information about this balance computation method and how problemwiththemerchant,youmayhavetherightnottopaythe
resultinginterestchargesaredetermined. Themethodweusetofigurethe remainingamountdueonthepurchase.
ADBandinterestresultsindailycompoundingofinterest. Tousethisright,allofthefollowingmustbetrue:
PayingInterest: Yourduedateisatleast25daysafterthecloseofeach 1.Thepurchasemusthavebeenmadeinyourhomestateorwithin100
billingperiod.Wewillnotchargeyouinterestonyourpurchasesifyoupay milesofyourcurrentmailingaddress,andthepurchasepricemusthave
eachmonthyourentirebalance(orAdjustedBalanceifapplicable)bythe beenmorethan$50.(Note:Neitheroftheseisnecessaryifyourpurchase
duedateeachmonth.Wewillchargeyouinterestoncashadvancesand wasbasedonanadvertisementwemailedtoyou,orifweownthe
(unlessotherwisedisclosed)balancetransfersbeginningonthetransaction companythatsoldyouthegoodsorservices.)
date. 2.Youmusthaveusedyourcreditcardforthepurchase.Purchasesmade
ForeignCurrencyCharges: IfyoumakeaChargeinaforeigncurrency,we withcashadvancesfromanATMorwithacheckthataccessesyourcredit
willconvertitintoUSdollarsonthedateweorouragentsprocessit.We cardaccountdonotqualify.
willchargeafeeof2.70%oftheconvertedUSdollaramount. Wewill 3.Youmustnotyethavefullypaidforthepurchase.
choosea conversion rate that is acceptable tous for that date, unless a Ifallofthecriteriaabovearemetandyouarestilldissatisfiedwiththe
particularrateisrequiredbylaw.Theconversionrateweuseisnomore purchase,contactusinwritingorelectronicallyat:
than the highest official rate published by a government agency or the AmericanExpress,POBox981535,ElPasoTX79998-1535
highestinterbankrateweidentifyfromcustomarybankingsourcesonthe www.americanexpress.com
conversiondateorthepriorbusinessday.Thisratemaydifferfromratesin Whileweinvestigate,thesamerulesapplytothedisputedamountas
effect on the date of your charge. Charges converted by establishments discussedabove.Afterwefinishourinvestigation,wewilltellyouour
(suchasairlines)willbebilledattheratessuchestablishmentsuse. decision.Atthatpoint,ifwethinkyouoweanamountandyoudonotpay
CreditBalance: Acreditbalance(designatedCR)shownonthisstatement wemayreportyouasdelinquent.
PayYourBillwithAutoPay
Deductyourpaymentfromyourbank
accountautomaticallyeachmonth.
-Avoidlatefees
-Savetime
ChangeofAddress,phonenumber,email
Visitamericanexpress.com/autopay
-Onlineatwww.americanexpress.com/updatecontactinfo
todaytoenroll.
-Viamobiledevice
-Voiceautomated:callthenumberonthebackofyourcard
-Forname,companyname,andforeignaddressorphonechanges,pleasecallCustomerCare
Pleasedonotaddanywrittencommunicationoraddresschangeonthisstub
Forinformationonhowweprotectyour
privacyandtosetyourcommunication
andprivacychoices,pleasevisit
www.americanexpress.com/privacy.
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Blue Cash® from American Express p.3/7
JOSEPH PAULSON
Closing Date 09/27/23 Account Ending 7-73045
CustomerCare&BillingInquiries 1-888-258-3741
InternationalCollect 1-336-393-1111 Website:americanexpress.com
CashAdvanceatATMsInquiries 1-800-CASH-NOW
LargePrint&BrailleStatements 1-888-258-3741 CustomerCare Payments
&BillingInquiries POBOX6031
P.O.BOX981535 CAROLSTREAMIL
ELPASO,TX 60197-6031
79998-1535
HearingImpaired
Onlinechatatamericanexpress.comoruseRelaydial711and1-888-258-3741
AmericanExpress®HighYieldSavingsAccount
No monthly fees. No minimum opening monthly deposit. 24/7 customer
support. FDIC insured. Meet your savings goals faster with an American
Express High Yield Savings Account. Terms apply. Learn more by visiting
americanexpress.com/savenow.
Payments and Credits
Summary
Total
Payments -$6,583.67
Credits $0.00
TotalPaymentsandCredits -$6,583.67
Detail *Indicatespostingdate
Payments Amount
09/22/23* MOBILEPAYMENT-THANKYOU -$6,583.67
New Charges
Summary
Total
Total NewCharges $10,269.65
Detail
J O S E P H P A U L S O N
C a rd E n d in g 7 -7 3 0 4 5
Amount
08/30/23 SAFEWAY CUPERTINO CA $23.11
800-898-4027
09/01/23 BANANALEAF650000012619980 MILPITAS CA $144.16
4087199811
09/01/23 BT*LINODE*AKAMAI CAMBRIDGE MA $6,107.06
6093807100
09/01/23 GOOGLE*GSUITE_SOCIALANIMAL.IO MOUNTAINVIEW CA $20.44
ADVERTISINGSERVICE
09/02/23 AmazonWebServices AWS.Amazon.com WA $333.88
WEBSERVICES
09/03/23 SAFEWAY CUPERTINO CA $11.18
800-898-4027
09/09/23 TST*BIKANERSWEET00053687 SUNNYVALE CA $21.81
RESTAURANT
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JOSEPH PAULSON A c c o u n t E n d in g 7 -7 3 0 4 5 p.4/7
DetailContinued
Amount
09/10/23 CVSPHARMACY CUPERTINO CA $2.34
8007467287
09/13/23 APPLE.COM/BILL INTERNETCHARGE CA $2.99
RECORDSTORE
09/13/23 SAFEWAY CUPERTINO CA $26.73
800-898-4027
09/14/23 MCDONALD'S CUPERTINO CA $3.26
6509404200
09/14/23 PANERABREAD#204476 CAMPBELL CA $23.38
97531300795008
09/14/23 MANLEYDONUTS00-08040662747 CUPERTINO CA $21.15
BAKERY
09/15/23 AplPay6631309-PEETSBTMP53033 OKALAND CA $4.27
RESTAURANT
09/16/23 VEGAS.COM LASVEGAS NV $761.58
18669983427
09/16/23 AplPayPANDAEXPRESS LASVEGAS NV $12.08
FASTFOODRESTAURANT
09/17/23 AplPayLUX_STARBUCKS_ATRIUM LASVEGAS NV $23.68
1198006689109
RESTAURANT
09/18/23 SPK*SPOKEOENTPRS 888-858-0803 CA $119.95
888-858-0803
09/24/23 SIXTUSAPOS FORTLAUDERDALE FL $2,537.90
AUTOMOBILERENTAL
Sixt9497938611
30826E5JF4ZIIBIHSB
09/24/23 LUCKY#773.SANTACLARACA0000000009925 SANTACLARA CA $35.17
4082475200
09/24/23 MILANSWEETCENTER0000 MILPITAS CA $27.03
408-946-2525
09/25/23 AplPayMANLEYDONUTS00-08040662747 CUPERTINO CA $6.50
BAKERY
Fees
Amount
TotalFeesforthisPeriod $0.00
Interest Charged
Amount
TotalInterestChargedforthisPeriod $0.00
AboutTrailingInterest
Youmayseeinterestonyournextstatementevenifyoupaythenewbalanceinfullandontimeandmakenonewcharges.Thisiscalled
"trailinginterest". Trailinginterestis theinterestchargedwhen,forexample,youdidn'tpayyour previousbalanceinfull.Whenthat
happens,wechargeinterestfromthefirstdayofthebillingperioduntilwereceiveyourpaymentinfull.Youcanavoidpayinginterest
onpurchasesbypayingyourbalanceinfull(orifyouhaveaPlanbalance,bypayingyourAdjustedBalanceonyourbillingstatement)by
theduedateeachmonth.Pleaseseethe"Whenwechargeinterest"sub-sectioninyourCardmemberAgreementfordetails.
Continuedonnextpage
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Blue Cash® from American Express p.5/7
JOSEPH PAULSON
Closing Date 09/27/23 A c c o u n t E n d in g 7 -7 3 0 4 5
2023 Fees and Interest Totals Year-to-Date
Amount
TotalFeesin2023 $0.00
TotalInterestin2023 $0.00
Interest Charge Calculation DaysinBillingPeriod:30
YourAnnualPercentageRate(APR)istheannualinterestrateonyouraccount.
VariableAPRswillnotexceed29.99%.
TransactionsDated Annual Balance Interest
Percentage Subjectto Charge
From To Rate InterestRate
Purchases 02/26/2011 24.49%(v) $0.00 $0.00
CashAdvances 02/26/2011 29.99%(v) $0.00 $0.00
Total $0.00
(v)VariableRate
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JOSEPH PAULSON A c c o u n t E n d in g 7 -7 3 0 4 5 p.6/7
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p.7/7
JOSEPH PAULSON ClosingDate09/27/23 A c c o u n t E n d in g 7 -7 3 0 4 5
IMPORTANT NOTICES
EFT Error ResolutionNotice
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
mayalsowriteusatAmericanExpress,ElectronicFunds Services,P.O.Box981531,ElPasoTX79998-1531,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
younolaterthan60daysafterwesentyoutheFIRSTstatementonwhichtheerrororproblemappeared.
1. Tellusyournameandaccountnumber(ifany).
2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you
believeitisanerrororwhyyouneedmoreinformation.
3. Tellusthedollaramountofthesuspectederror.
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 accountfor theamount youthinkis in error, so that you will have theuse ofthe money
duringthetimeittakesustocompleteourinvestigation.
EndofImportantNotices.
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