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e-Statement of Account for the period of September 02, 2019 to October 01, 2019

FERDINAND ABALOS NAMQUI Account Number 3902458267

111 Statement Date October 02, 2019
CASANICOLASAN
Payment Due Date October 16, 2019
ROSALES 2441
PANGASINAN Credit Limit Php 50,000.00
Cash Advance Limit Php 25,000.00
Past Due Amount Php 0.00
Statement Balance Php 13,466.45
Minimum Amount Due Php 1,781.60
Your Statement Summary

Previous Total Statement

Purchases & Redeemed Installment
Statement Payment Fees & Charges Balance
Advances Cashback
Balance

Php 17,631.25 Php 17,631.25 Php 11,000.00 Php 0.00 Php 902.09 Php 1,564.36 Php 13,466.45

Smile Rewards Cashback Program

Earned Cashback Redeemed Cashback Total Available

(for this statement period) (for this statement period) Cashback Earn 1% rebate for all your spend and
enjoy discounts or freebies at partner
merchants using your Home Credit Card.
Php 0.00 Php 0.00 Php 51.00

Call (02) 753-5711 to redeem your Smile Rewards Cashback.

Payment Instructions
Gamitin ang iyong 10-digit account number sa tuwing magbabayad ng iyong credit card balance sa aming mga accredited payment
centers. Upang maiwasan na ma-suspend ang iyong card at magbayad ng Late Payment Fee, huwag kalimutang i-settle ang iyong
Minimum Amount Due bago o sa mismong araw ng iyong Payment Due Date.

Our Payment Partners:

For the complete list of payment partners and payment guidelines, please visit www.homecredit.ph or call our Customer Service Hotline at (02) 753-5711.

Ang pagbayad ng mas mababa sa halagang nakasaad sa iyong Statement Balance ay maaaring
maging dahilan ng pagtaas ng interest charge at iba pang fees.
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Account Number: 3902458267

Transaction Details
Transaction Details
Transaction Post Transaction Cashback
Details
Date Date Amount Amount
Previous Statement Balance Php 17,631.25

09/04/2019 09/04/2019 Payment - Thank you! - Php 1,500.00 Php 0.00

09/05/2019 09/06/2019 Cash Advance Php 9,000.00 Php 0.00

09/06/2019 09/06/2019 Cash Advance Fee Php 400.00 Php 0.00

09/16/2019 09/16/2019 Payment - Thank you! - Php 16,131.25 Php 0.00

09/20/2019 09/23/2019 Cash Advance Php 2,000.00 Php 0.00

09/23/2019 09/23/2019 Cash Advance Fee Php 400.00 Php 0.00

10/01/2019 10/01/2019 Monthly Membership Fee Php 125.00 Php 0.00

10/01/2019 10/01/2019 SUPER SM HYPERMARKET - ROSALES PH Php 902.09 Php 0.00

10/01/2019 10/01/2019 Interest charges Php 639.36 Php 0.00

Installment Plans
Installment Plans
Transaction Post Monthly
Details Months
Date Date Installment Amount

07/14/2019 07/14/2019 SUPER SM HYPERMARKET Php 902.09 3 /6

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Ongoing Promos

Visit www.homecredit.ph. for promo details.

Important Reminders Card Services

Statement Date and Payment Due Date
Ang iyong Statement Date ay ang simula ng iyong billing period. Ito ay
nangangahulugan na ang lahat ng iyong credit card transactions bago
sumapit ang petsang ito ay kailangang mabayaran sa iyong Payment Due
Date. Ang Payment Due Date naman ay sa ika-15 na araw makalipas
ang Statement Date. Kung ito ay sakaling matapat sa mga araw ng
Sabado, Linggo, o regular national holiday, ang Payment Due Date ay
malilipat sa susunod na business day.
Fees and Charges
Magpapadala ang Home Credit ng notifications kung mayroon mang
update sa Credit Card Fees and Charges o maaari n’yo ring i-check ang
aming website sa www.homecredit.ph.
Installment Plan
Para mas mapagaan ang pagbayad ng iyong bill, maaari mong i-convert
ang iyong big purchases into affordable monthly installments. Tumawag
lang sa aming Customer Service Hotline para mag-request bago ang
iyong Payment Due Date. Tandaan na ang iyong unang monthly
installment ay naka-charge sa corresponding billing cycle.
Halimbawa:
Transaction Date: September 20
Statement Cut-off Date: October 1
Payment Due Date: October 16

Tandaan ang sumusunod na Fees and Charges: Scenario 1 Scenario 2

• Interest Charges - Kung ang nabayaran ay ang Minimum Amount Due Conversion to Installment September 25 October 5
lamang o mas mababa pang halaga sa iyong Statement Balance, ikaw ay Date
maaaring mapatawan ng Interest Charge. Para sa ATM withdrawals or
Cash Advance,ang iyong account ay mapapatawan ng interest charges Statement Cut-off Date of
1st Monthly Installment October 1 November 1
simula sa araw na ginawa ang transaction.
Terms and Conditions apply.
• Cash Advance Fee - halagang nakapataw sa bawat withdrawal
transaction gamit ang iyong Home Credit Card.
• Late Payment Fee - ito ang additional fee na ipapataw kung mas Customer Service
mababa sa Minimum Amount Due o sakaling hindi mabayaran ang iyong
Hotline (02) 753-5711
Minimum Amount Due bago o sa mismong araw ng iyong Payment Due
Date. International Calls +632 753-5711
Questions on your e-Statement E-mail info@homecredit.ph
Makipagugnayan sa aming Customer Service kung may katanungan
tungkol sa iyong e-Statement. Ang pag-file ng report o complaint ay sa Chat www.homecredit.ph
loob lamang ng thirty (30) calendar days; kung kami ay walang
matanggap na anumang report sa loob ng itinakdang panahon na ito, ang
impormasyong nakasaad sa iyong e-Statement ay kikilalaning wasto at
naaayon sa panuntunan ng Home Credit.

Lost, Stolen or Damaged Card

Kung ang iyong card ay nawala o nasira, tumawag agad sa aming
Customer Service Hotline. Ito ay maaaring i-block ng Home Credit upang
maiwasan ang anumang unauthorized transaction. Ang iyong
replacement card ay matatanggap sa loob ng 5-10 na araw matapos ang
iyong request.

Personal Information Update

Para matanggap ang mahahalagang updates mula sa Home Credit at
bilang alinsunod na rin sa mga panuntunan ng Anti-Money Laundering
Act of the Philippines, siguraduhing updated ang iyong mobile number,
email address, at iba pang personal information sa iyong account.
Tumawag sa aming Customer Service Hotline para mag-update.

High Security Standards

Dahil sa EMV technology, makasisigurong safe and secured ang lahat ng
private information at transactions sa iyong card. Para sa additional
security against fraud, ang iyong mga transactions ay maaaring ma-verify
sa pamamagitan ng PIN at ikaw ay makakatanggap ng SMS sa bawat
transaction gamit ang iyong card. Para sa mga online purchases naman,
makakatanggap ka ng One-Time Password (OTP) via text ngunit ito ay
available lamang sa mga online stores na mayroong 3DS feature.
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Sample Interest Computations

RETAIL TRANSACTION
Assumptions:
• Transaction Amount: Php 20,000.00
• Statement Cut-off Date: every 15th of the month
• Payment assumption is that cardholder will only pay the minimum
amount due

Notes:
• Monthly Interest Rate: 3.99%

CASH ADVANCE
Assumptions:
• Cash Advance: Php 20,000.00
• Statement Cut-off Date: every 15th of the month
• Payment assumption is that cardholder will only pay the minimum
amount due

Notes:
• Monthly Interest Rate: 3.99%
• Cash Advance Fee: 3.99% or PHP 400.00 whichever is higher
* Cash Advance Fee + Monthly Interest Rate for the 1st month

INSTALLMENT PLAN
• Principal Amount: Php 20,000.00
• Term: 12 months
• Installment Interest Rate: 2.50%
• Monthly Installment Amount: Php 1,945.74

Minimum Amount Due

Minimum Amount Due is computed as the sum of your Past Due Amount (if any), Amount Due from regular transactions (7% of statement balance or
Php 700.00, whichever is higher) and your installments from all your installment plans.
Example:
Past Due Amount: Php 500.00
Statement Balance: Php 10,000.00
Monthly Installment Amount: Php 815.74

7% of Statement Balance
Past Due Amount Installment Minimum Amount Due
Less Installment

Php 500.00 + Php 700.00 + Php 815.74 = Php 2,015.74