GABRIEL BARROS BASTOS
Account Number Ending in: 1198
April 5, 2019 - May 4, 2019
TD CASH VISA SECURED CARD Page 1 of 4
Summary Of Account Activity Payment Information
New Balance $117.19
Previous Balance $29.00
Payments -$0.00 Minimum Payment Due $64.00
Other Credits -$0.00 Payment Due Date Jun 1, 2019
Purchases +$59.98 Late Payment Warning: If we do not receive your minimum payment by the
Balance Transfers +$0.00 date listed above, you may have to pay up to a $37.00 late fee.
Cash Advances +$0.00 Minimum Payment Warning: If you make only the minimum payment each
Fees Charged +$27.00 period, you will pay more in interest and it will take you longer to pay off your
balance. For example:
Interest Charged +$1.21
New Balance $117.19 If you make no You will pay off the And you will end up
additional charges and balance shown on this paying an estimated
each month you pay: statement in about: total of:
Past Due Amount $29.00 Only the minimum
3 months $119
payment
Credit Limit $500.00
Available Credit $382.81 To access information regarding credit counseling call 1-888-561-8861.
Available Credit for Cash $150.00 Questions ? Call us :
Statement Closing Date 05/04/2019 Customer Service: 1-888-561-8861
Days in Billing Cycle 30 Visit us on the web at: www.tdcardservices.com
Please send billing inquiries and correspondence to:
PO BOX 84037 COLUMBUS , GA 31908-4037
Please make check or money order payable to: TD Bank, N.A.
Please include your account number on your check. Detach and return bottom portion with your payment.
Your Account Number Ending in 1198
Your New Balance $117.19
TD BANK, N.A. Your Past Due Amount $29.00
PO BOX 84037
COLUMBUS GA 31908-4037 Minimum Payment Due $64.00
Payment Due Date June 1, 2019
TD BANK, N.A.
PO BOX 100290 Please Enter Amount of Payment Enclosed.
COLUMBIA SC 29202-3290
GABRIEL BARROS BASTOS
4839500405741198000011719000064008
130 WASHINGTON AVE APT B
FORT LEE NJ 07024-3517
See reverse for changes to address
T5220-1102T 4839500405741198 c
Page 2 of 4
Calculation of Balance Subject to Interest Rate: We figure a portion of the interest charge on your account by applying the daily periodic rate shown in your cardmember agreement to the Average Daily Balance (including
current transactions), multiplied by the number of days in the billing period. To get the Average Daily Balance, we take the beginning balance each day (which may include unpaid interest charges and fees owed from prior
billing periods), add any new Purchases (including applicable promotional Purchases, such as Balance Transfers) or Cash Advances (as applicable), and subtract any applicable payments or credits. This gives us the daily
balance. Then, we add up all the daily balances for the billing period and divide the total by the number of days in the billing period. This gives us the “Average Daily Balance.” Unless we choose to use a later date, we
usually add new transactions to the daily balance as of their Activity Date. We treat credit balances as zero balances when we figure the daily balances and Average Daily Balance.
If your account has balances with different APRs, payments in excess of the Minimum Payment Due are applied to Interest Charges and other fees and to balances with the highest APRs, before being applied to balances
with lowest APRs. The structure is opposite for the application of the Minimum Payment; this means that balances with higher APRs are not reduced until balances with lower APRs have been paid off.
Minimum Interest Charge: If the total interest charges for the billing period (figured as described above, including transaction fees) are less than $1.00, the MINIMUM INTEREST CHARGE for the billing period will be $1.00.
How to Avoid Paying Interest on Purchases: Your due date is at least 25 days after the close of each billing cycle. We charge interest on Balance Transfers and Cash Advances beginning on the transaction date. We
charge interest on Purchases unless each month you pay your entire Account balance, which includes Purchases, Cash Advances, and Balance Transfers, and if applicable, any new fees that are assessed by the payment
due date. Please see below for how to avoid paying interest on purchases if you have a 0% Introductory or Promotional APR Balance Transfer.
How to Avoid Paying Interest on Purchases when you have a 0% Intro or Promo APR Balance Transfer Offer: If you have a 0% introductory or promotional APR balance transfer and also use your Account to make new
Purchases, you can avoid paying interest on those new purchases if you pay the amount shown within the "Payment Information" box titled 'Payment to Avoid Purchase Interest' each month by your payment due date.
Notice to Buyer: You have the right at any time to pay your entire balance outstanding with no additional charge.
Payments: Payments must be sent to the payment address shown on your statement and must include the remittance coupon from your statement. Do not send cash. Checks and money orders (in U.S. dollars) received at
the payment address, with the bottom portion of the first page of the statement, by 5:00 pm. Eastern time on a business day will be credited as of the business day received. If the due date falls on a day on which we do not
receive or accept payments, the payment will not be treated as late. We may reject or delay posting nonconforming payments. Upon our receipt, your available credit may not reflect the payment amount for up to seven (7)
days to ensure the funds from the bank on which your payment is drawn are collected and not returned.
Electronic check conversion: When you send a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the 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. If you have questions about electronic check conversion, or do not want your checks to be electronically converted, you may call the Customer Service telephone number shown on
the front of this statement.
Billing-Error Rights Summary - 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:
TD Bank, P.O. Box 84037, Columbus, GA 31908-4037 or you can call us at: 1-888-561-8861
In your letter, give us the following information:
• Account information: Your name and account number,
• Dollar amount: The dollar amount of the suspect error, and
• 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:
1) 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 are 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.)
2) 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.
3) 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: TD Bank, P.O. Box 84037, Columbus, GA 31908-4037. 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 think you owe an amount and you do not pay we may report you as delinquent.
Automated Touch-Tone Bill Payment: By calling the automated touch-tone bill payment system through one of our customer service phone numbers you will be authorizing TD Bank or one of our agents to automatically
initiate a single entry ACH debit to your checking account. You will be required to enter security information for authentication. By using this service you are authorizing your financial institution to accept these debits and
charge them against the account you provide to us. Payments can be cancelled no later than 5p.m., Eastern time, on the date they are entered into the system unless they are entered into the system after 5p.m, Eastern
time, in which case the payment can be cancelled the following day prior to 5 p.m., Eastern time. If you need to cancel your payment, or have questions regarding your payment, please contact Customer Service at
1-888-561-8861during normal business hours.
Recurring Automatic Payments: If you have authorized us to pay your credit card bill automatically from your checking or savings account with us, you can stop the payment on any amount you think is wrong. To stop the
payment write to: TD Bank, P.O. Box 84037, Columbus, GA 31908-4037 or call 1-888-561-8861. To stop the payment your letter or telephone call must reach us 3 business days before the automatic payment is scheduled to
occur.
Fraudulent Transactions: Please immediately report any suspected fraudulent use of your card or the account, by calling the Customer Service telephone number shown on the front of this statement.
Credit Bureau Disputes: If you think the information we furnished to consumer reporting agencies for your Account is not accurate, please write to us at TD Bank P.O. Box 84037, Columbus, GA 31908-4037. A delay may be
experienced if the dispute is not sent to the address specified. Please include your name, address, telephone number, account number for the account you are disputing, a description of the information being disputed and
basis for your dispute as well as copies of supporting documentation.
New York residents: You may request a refund of a credit balance on your account at any time by sending your request to Customer Service at P.O. Box 84037, Columbus, GA 31908-4037, by first class mail, postage
pre-paid.
For Address changes, please visit us at www.tdcardservices.com . Once enrolled, please click on Services then
click on "Update Billing Address and Phone Numbers" located under "Manage Your Profile".
GABRIEL BARROS BASTOS
Account Number Ending in: 1198
April 5, 2019 - May 4, 2019
TD CASH VISA SECURED CARD Page 3 of 4
Transactions
Activity Date Post Date Reference Number Description Amount
Card Number Ending in: 1198
Apr 08 Apr 09 50274812 SIMPLEMOBILE*AIRTIME 877-878-7908 FL 21.63
Apr 29 Apr 30 67197303 CKO*Patreon* Membership 833-9728766 CA 5.00
Apr 30 Apr 30 73716852 AMZN Mktp US*MZ4DQ5UU1 14.50
Amzn.com/billWA
May 01 May 02 44893887 Amazon Prime Amzn.com/billWA 13.85
May 01 May 02 12788366 CKO*Patreon* Membership 833-9728766 CA 5.00
Fees
Activity Date Post Date Reference Number Description Amount
May 01 May 01 LATE PAYMENT FEES 27.00
TOTAL FEES FOR THIS PERIOD $27.00
Interest Charged
Activity Date Post Date Reference Number Description Amount
INTEREST CHARGE-PURCHASES 0.53
INTEREST CHARGE-FEE 0.68
TOTAL INTEREST FOR THIS PERIOD $1.21
2019 Totals Year to Date
Total fees charged in 2019 $56.00
Total interest charged in 2019 $1.21
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Type of Balance Annual Percentage Balances Subject to Interest
Rate (APR) Interest Rate Charge
Purchases 25.24% (v) $25.39 $0.53
Cash 27.49% (v) $0.00 $0.00
Fees 25.24% (v) $32.60 $0.68
(v) = Variable Rate
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