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Billing cycle 09/12/23 - 10/09/23

Spectrum Cash Visa Platinum Account number ending in 2052

Account summary Payment information

Previous balance $0.00 New balance $52.00

Payments - $0.00

Other credits - $0.00 Minimum payment due $27.00

Purchases & other charges + $52.00

Payment due date 11/06/23

Cash advances + $0.00

Late payment warning: If we do not receive your minimum payment

Interest charged + $0.00

and past due amount by the date listed above, you may have to pay a
Fees charged + $0.00
late fee up to: $38.00.
New balance $52.00

Credit limit $2,500.00

Available credit $2,448.00

Questions?

Available for cash advance $500.00

Visit Call
Statement closing date 10/09/23
TRUIST.COM 844-4TRUIST
Days in billing cycle 28
(844-487-8478)

International Write

collect TRUIST CARD SERVICES

910-914-8250 PO BOX 200

WILSON, NC 27894-0200

FR BC SF XF - A

Please detach bottom portion and submit with payment using enclosed envelope.
Account number ending in 2052

Statement closing date 10/09/23

Visit Truist Online Banking to sign

New balance $52.00
up for recurring payments today.
Minimum payment due $27.00

TRUIST BANK Payment due date 11/06/23

PO BOX 400

WILSON NC 27894-0400 Amount enclosed

$

Pay online: TRUIST.COM

30000277383970000000000000027000000000005200 Pay by phone: 844-487-8478

Make checks payable to: TRUIST BANK

TRUIST BANK

PO BOX 791621

BALTIMORE MD 2 1 2 7 9 - 1 6 2 1
*TRUIST BANK

WILSON GALLO SAENZ

** 0027241
ATTN:FRAUD OPERATIONS

P O BOX 607039

ORLANDO FL 3 2 8 6 0 - 7 0 3 9

O54205214OT561201759T46160842052O

Important contact details
Lost/Stolen Card? Please call us immediately at 844-487-8478 to report any loss, theft, or suspected or actual Unauthorized Use of Card or Account.
Address Change? Call us at 844-487-8478 or online at Truist.com.
Payment Information
Any failure to comply with the following instructionsmay cause your payment to be delayed.
This delay may result in additional charges and possible suspension/closure (or all of these)
of the Account.
• Payment must be in U.S. dollars, but not in cash unless the payment is made at a Truist
branch.
• Payment must come from a U.S. deposit account or cashier’s check drawn on a U.S.
financial institution.
• Payment must not include restrictive language (e.g., “payment in full”) or other
language attached to the payment; Truist may accept any payment with restrictive
language without losing our rights.
• Payment cannot come from a credit account that Truist provides you (e.g., a
Convenience Check, Cash Advance, or Balance Transfer made on this Account).
• Payment in a paper form (such as a check, money order, or cashier’s check) must
include the payment coupon from the Statement or have the Account number (or
Cardholder Account number, if applicable) written on the payment.
Authorization to convert your check to an electronic transfer debit
When you provide a check as payment, you authorize us to use information from your
check to make a one-time electronic fund transfer from your account. In certain
circumstances, such as for technical or processing reasons, we may process your payment
as a check transaction. When we use information from your check to make an electronic
fund transfer, funds may be withdrawn from your account as soon as the same day we
receive your payment, and you will not receive your check back from your financial
institution.
Calculating interest charges
To calculate the Average Daily Balance on your Account: Truist adds the outstanding daily
Balance (including new Transactions) and periodic interest charges, fees, and unpaid
interest charges while deducting payments and credits; this is done for each Transaction
type (e.g., Purchases, Balance Transfers, Cash Advances) for each day in the Billing Cycle.
We may make additional adjustments, as appropriate,subject to applicable law (e.g., when
a Transaction is disputed). This gives us the daily Balance for each Transaction type. Truist
then adds all of the daily Balances for each separate Transaction type on the Account for
each day of the Billing Cycle and divides that total amount by the number of days in the
Billing Cycle. This results in the Average Daily Balance for each Transaction type for the
Billing Cycle. This amount(s) appears on the reverse side in the column headed “Balance
Subject to Interest Rate”.
To calculate the periodic interest charges on your Account: Truist first determines the Daily
Periodic Rate (DPR) for each Transaction type by taking the applicable APR and dividing it
by 365 (366 days during leap year). Truist then multiplies the Average Daily Balance for
each Transaction type by the number of days in the Billing Cycle and the resulting figure by
the DPR for that Transaction type (Average Daily Balance x # of days in Billing Cycle x
DPR). We then total all of the interest charges for each Transaction type. This is the total
interest charge for the Billing Cycle.
Paying Interest: Your Due Date is at least 25 days after the close of each Billing Period.
Truist will not charge you any interest on Purchases if you pay your entire (New Balance)
by the Due Date each month. Truist will begin charging interest on Cash Advances and
Balance Transfers on the transaction date.
Annual Fee
If we assess an Annual Fee for the Account, this fee will initially be assessed on the first
Billing Cycle; thereafter, this Annual Fee will be charged to your Account once each year
(annually, approximately every 12 months). The Annual Fee is added to the Purchase
Balance for the Account. If you close the Account before the annual anniversary date, you
will not be assessed an Annual Fee for the Account.
Making payments
You must pay the Minimum Payment each month by the Payment Due Date. You may make payments on the Account in any of the following ways:
• At any Truist branch during normal business hours.
• By calling the Truist Contact Center at 844-4TRUIST (844-487-8478).
• By using Truist Online Banking or the Truist Mobile App.
• By mail at the address listed on the payment coupon on the front of this statement - please allow at least five (5) business days for delivery.
Payments that Truist receives prior to midnight ET through Truist Online Banking, the Truist Mobile Banking App, a Truist branch or by phone or mail at the address shown on the front of
your statement will be credited as of the date received.
Truist Bank, Member FDIC. © 2022 Truist Financial Corporation. Truist, the Truist logo, and Truist Purple are service marks of Truist Financial Corporation.
00000000 - 027241 - 0001 - 0003 - 2
What to do if you think you find a mistake on your statement
If you think there is an error on your statement, write to us at:
Truist Bank, P.O. Box 607039 Orlando FL 32809
In your letter, give us the following information:
• Account information: Your name and account number.
• Dollar amount: The dollar amount of the suspected error.
• Description of Problem: If you think there is an error on your bill, describe what you
believe is wrong and why you believe it is a mistake.
You must contact us within 60 days after the error appeared on your statement.
You must notify us of any potential errors in writing.You may call us, but if you do, we are
not required to investigate any potential errors and you may have to pay the amount in
question.
While we investigate whether or not there has been an error, the following are true:
• We cannot try to collect the amount in question or report you as delinquent on that
amount.
• The charge in question may remain on your statement, and we may continue to charge
you interest on that amount. But, if we determine that we made a mistake, you will not
have to pay the amount in question or any interest or other fees related to that amount.
• While you do not have to pay the amount in question, you are responsible for the
remainder of your balance.
• We can apply any unpaid amount against your credit limit.
Your rights if you are dissatisfied with your credit card purchases
If you are dissatisfied with the goods or services that you have purchased with your credit
card, and you have tried in good faith to correct the problem with the merchant, you may
have the right not to pay the remaining amount due on the purchase.
To use this right, all of the following must be true:
• The purchase must have been made in your home state or within 100 miles of your
current mailing address, and the purchase price must have been more than $50.
(NOTE: Neither of these is necessary if your purchase was based on an advertisement
we mailed to you, or if we own the company that sold you the goods or services.)
• You must have used your credit card for the purchase. Purchases made with cash
advances from an ATM or with a check that accesses your credit card account do not
qualify.
You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact
us in writing at:
Truist Bank, P.O. Box 200, Wilson, NC 27894
While we investigate, the same rules apply to the disputed amount as discussed above.
After we finish our investigation,we will tell you our decision. At that point, if we thinkyou
owe an amount and you do not pay we may report you as delinquent.
Information reported to credit bureaus
Truist may report information about your Account to credit bureaus. Late Payments,
missed payments, or other Defaults on your Account may be reflected in your credit
report. Under the Fair Credit Reporting Act, you have the right to notify us if you believe
we have reported inaccurate information about your account to a credit bureau or
consumer reporting agency. Notice should be sent in writing and include identifying
information, such as your name, date of birth,social security number, telephone number,
or address, and account number, type of account, specific item of dispute, and the reason
why you believe the information reported is in error. Send your notice to:
Truist Bank, P.O. Box 849, Wilson, NC 27894.
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Billing cycle 09/12/23 - 10/09/23

Spectrum Cash Visa Platinum Account number ending in 2052

Important Account Information

If you or other cardholders on your account elect to set-up fixed recurring payment amounts, you must ensure that the fixed

payment(s) cover at least the Minimum Payment Due for each billing cycle. Failing to pay at least the Minimum Payment Due

by the payment due date may result in the assessment of late payment fees.

The Servicemembers Civil Relief Act (SCRA) provides important financial and legal protections to service members --

including caps on interest rates, stays on certain legal protection from eviction, and termination of leases without

repercussions. Learn more at www.militaryonesource.mil (search for 'SCRA').

Payments & other credits Total payments and credits: $0.00

Tran Post Reference

Date Date number Transaction description Amount

No activity this cycle

Cardholder activity Total cardholder new activity: $52.00

Tran Post Reference

date date number Transaction description Amount

WILSON GALLO SAENZ Account number ending in 2052 Total: $52.00

09/21 09/22 74609053264000001545425 ADJ-US RESELLERS $13.00

09/21 09/24 74609053264000001545425 ADJ-US RESELLERS $13.00

09/21 09/24 74609053264000001545425 ADJ-US RESELLERS $13.00

09/21 09/24 74609053264000001545425 ADJ-US RESELLERS $13.00

Fees charged Total fee amount: $0.00

Tran Post

date date Transaction description Amount

No fees charged this cycle

Interest charged Total interest amount: $0.00

Tran Post

date date Transaction description Amount

No interest charged this cycle

2023 TOTALS YEAR-TO-DATE

Total fees charged in 2023 $0.00

Total interest charged in 2023 $0.00

Interest charge calculation

Your Annual Percentage Rate (APR) is the annual interest rate on your account.

Annual

Periodic interest
percentage Balance subject Interest Expires

rate
Type of balance rate (APR) to interest rate charge on

Purchase 27.49% (V) 0.0753200% (D) $0.00 $0.00

Cash 27.49% (V) 0.0753200% (D) $0.00 $0.00

(V) = Variable rate

(D) = Daily, (M) = Monthly

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Billing cycle 09/12/23 - 10/09/23

Spectrum Cash Visa Platinum Account number ending in 2052

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Billing cycle 09/12/23 - 10/09/23

Spectrum Cash Visa Platinum Account number ending in 2052

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Billing cycle 09/12/23 - 10/09/23

Spectrum Cash Visa Platinum Account number ending in 2052