AMERICAN


Blue Cash® from American Express


p. 1/7


EXPRESS


JOSEPH PAULSON


Customer Care:


1-888-258-3741


TTY:


Closing Date 09/27/23


Use Relay 711


Account Ending 7-73045


~


~


Website:


americanexpress.com


Reward Dollars


New Balance


$10,269.65


as of 08/29/2023


Minimum Payment Due


$205.39


1,087.93


For more details about Rewards, visit


americanexpress.com/cashbackrewards


Payment Due Date


10/22/23


Account Summary


Previous Balance


$6,583.67


Late Payment Warning: If we do not receive your Minimum Payment Due by


Payments/Credits


-$6,583.67


the Payment Due Date of 10/22/23, you may have to pay a late fee of up to


$40.00 and your APRs may be increased to the Penalty APR of 29.99%.


New Charges


+$10,269.65


Fees


+$0.00


Interest Charged


+$0.00


New Balance


Minimum Payment Warning: If you have a Non-Plan Balance and make only the


$10,269.65


minimum payment each period, you will pay more in interest and it will take you longer


Minimum Payment Due


$205.39


to pay off your Non-Plan Balance. For example:


Credit Limit


$26,400.00


If you make no additional


You will pay off the balance


And you will pay an


Available Credit


$16,130.35


charges and each month


shown on this statement in


estimated total of...


you pay...


about...


Cash Advance Limit


$4,600.00


Available Cash


$4,600.00


Only the


22 years


$29,830


Minimum Payment Due


$14,640


$407


3 years


(Savings = $15,190)


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.


Continued on page 3


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


ps Payment Coupon


Pay by Computer


Pay by Phone


Account Ending 7-73045


I Do not staple or use paper clips


americanexpress.com/pbc


C


1-800-472-9297


Enter 15 digit account # on all payments.


Make check payable to American Express.


JOSEPH PAULSON


Payment Due Date


3742 CLOUD SPGS RD


10/22/23


#403-1045


DALLAS TX 75219-4136


New Balance


$10,269.65


Minimum Payment Due


205.39


AMERICAN EXPRESS


See reverse side for instructions


e


on how to update your address,


PO BOX 6031


Amount Enclosed


phone number, or email.


CAROL STREAM IL 60197-6031


Wall dbollllllllatloodladll


00003499916e2708152 0010269650000280539 a4 d


<<<







JOSEPH PAULSON


Account Ending 7-73045


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.


<<<







AMERICAN


Blue Cash® from American Express


p. 3/7


EXPRESS


JOSEPH PAULSON


Closing Date 09/27/23


Account Ending 7-73045


1-888-258-3741


Customer Care & Billing Inquiries


C


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


Payments


& Billing Inquiries


PO BOX 6031


P.O. BOX 981535


CAROL STREAM IL


EL PASO, TX


60197-6031


79998-1535


Hearing Impaired


Online chat at americanexpress.com or use Relay dial 711 and 1-888-258-3741


American Express® High Yield Savings Account


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.


Total


Payments


-$6,583.67


Credits


$0.00


Total Payments and Credits


-$6,583.67


Payments


Amount


09/22/23*


MOBILE PAYMENT - THANK YOU


-$6,583.67


Total


Total New Charges


$10,269.65


JOSEPH PAULSON


an


Card Ending 7-73045


Amount


08/30/23


SAFEWAY


CUPERTINO


CA


$23.11


800-898-4027


09/01/23


BANANA LEAF 650000012619980


MILPITAS


CA


$144.16


4087199811


09/01/23


BT*LINODE*AKAMAI


CAMBRIDGE


MA


$6,107.06


6093807100


09/01/23


GOOGLE*GSUITE_SOCIALANIMAL.IO


MOUNTAIN VIEW


CA


$20.44


ADVERTISING SERVICE


09/02/23


Amazon Web Services


AWS.Amazon.com


WA


$333.88


WEB SERVICES


09/03/23


SAFEWAY


CUPERTINO


CA


$11.18


800-898-4027


09/09/23


TST* BIKANER SWEET 00053687


SUNNYVALE


CA


$21.81


RESTAURANT


Continued on reverse


<<<







JOSEPH PAULSON


Account Ending 7-73045


p.4/7


Amount


09/10/23


CVS PHARMACY


CUPERTINO


CA


$2.34


8007467287


09/13/23


APPLE.COM/BILL


INTERNET CHARGE


CA


$2.99


RECORD STORE


09/13/23


SAFEWAY


CUPERTINO


CA


$26.73


800-898-4027


09/14/23


MCDONALD'S


CUPERTINO


CA


$3.26


6509404200


PANERA BREAD #204476


CAMPBELL


CA


09/14/23


$23.38


975313007 95008


09/14/23


MANLEY DONUTS 00-08040662747


CUPERTINO


CA


$21.15


BAKERY


09/15/23


Ap|Pay 6631309 - PEETS B TMP 53033


OKALAND


CA


$4.27


RESTAURANT


09/16/23


VEGAS.COM


LAS VEGAS


NV


$761.58


18669983427


09/16/23


Ap|Pay PANDA EXPRESS


LAS VEGAS


NV


$12.08


FAST FOOD RESTAURANT


09/17/23


Ap|IPay LUX_STARBUCKS_ATRIUM


LAS VEGAS


NV


$23.68


11980066 89109


RESTAURANT


SPK*SPOKEO ENTPRS


888-858-0803


CA


09/18/23


$119.95


888-858-0803


09/24/23


SIXT USA POS


FORT LAUDERDALE


FL


$2,537.90


AUTOMOBILE RENTAL


Sixt9497938611


30826E5JF4ZIIBIHSB


09/24/23


LUCKY #773.SANTA CLARACA 0000000009925


SANTA CLARA


CA


$35.17


4082475200


09/24/23


MILAN SWEET CENTER 0000


MILPITAS


CA


$27.03


408-946-2525


CUPERTINO


CA


09/25/23


ApIPay MANLEY DONUTS 00-08040662747


$6.50


BAKERY


Amount


Total Fees for this Period


$0.00


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


<<<







AMERICAN


Blue Cash® from American Express


p.5/7


EXPRESS


JOSEPH PAULSON


Closing Date 09/27/23


Account Ending 7-73045


Amount


Total Fees in 2023


$0.00


Total Interest in 2023


$0.00


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


02/26/2011


24.49% (v)


$0.00


$0.00


Cash Advances


02/26/2011


29.99% (v)


$0.00


$0.00


Total


$0.00


(v) Variable Rate


<<<







JOSEPH PAULSON


Account Ending 7-73045


p. 6/7


<<<







AMERICAN


7/7


EXPRESS


JOSEPH PAULSON


Closing Date 09/27/23


Account Ending 7-73045


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.


<<<







