How to read your new Macy’s account statement

How to read your new Macy’s account statement
q Billing Period/Account
t Transaction Details
Star Rewards account statement
q
Go to macys.com/mymacyscard to manage and pay your account online.
w Summary of account activity
w Macy’s Account Summary e
A summary of your
account activity during
the billing period.
R. Customer
Account number: XX-XXX-XXX-999-0
page: 1 of 3
For the period ending Mar 8, 2010 • Days in billing cycle: 30
Questions or lost/stolen card? Call Customer Service 1-866-593-2543
previous Balance
payments
Other credits/adjustments
purchases
Fees charged
Interest charged
New Balance
Payment Information
y
+$2,033.44
–$210.00
–$0.00
+$1,083.77
+$0.00
+$20.68
Total New Balance
Minimum Payment Due
Payment Due Date
Late Payment Warning: If we do not receive your minimum payment
by the date listed above, you may have to pay a Late Payment Fee of up to
$39.00 on no more than two Account types with late payments (up to a
maximum of $78.00).
Minimum Payment Warning: If you make only the minimum payment
each period, you will pay more in interest and it will take you longer to pay
off your balance. For example:
$2,917.89
past due amount
$0.00
e New Balance
Total amount you currently
owe on your account.
u How to Pay
• At any Macy’s store
• Online at
macys.com/mymacyscard
• Check or money order
payable to Macy’s
Account Type
summary
New Balance
Minimum Payment Due
u
10 years
$180*
3 years
Special
Event
Club
Total
$ 1,105.02
$ 36.00
$ 710.78
$ 0.00
$ 1,102.09
$ 125.00
$ 2,917.89
$ 161.00
Date
Feb 15
Mar 1
Store
Jefferson
Jefferson
Description
payment-thank you
I.N.C - Suits
Sales tax
Receipt Total
Amount
–$85.00
$120.00
$7.80
$127.80
Mar 2
Kenwood tc
Charter Club Bedding
Sales tax
Receipt Total
$208.02
$13.52
$221.54
And you will
end up paying
an estimated
total of...
$3,917
$3,275
(Savings = $642)
please tear off and return the slip with your payment. Be sure to write your account number on the front of your check and make your check payable to
Macy’s. you can pay at any Macy’s store, online at macys.com/mymacyscard, or by mail. Payments received by 5:00 pm local time at the address
shown on this Statement will be credited as of the date received.
Account number: XX-XXX-XXX-999-0
Payment slip
i
R. Customer
New address or phone number?
Go to macys.com/mymacyscard or use the reverse side.
Total New
Balance
Apr 8, 2010
Store
Description
Mar 2
Kenwood tc
lauren Jeans CO - Sweaters
AK Anne Klein - Cut & Sew
Jones Ny - Sweaters
Sales tax
Receipt Total
Gourmet Cookware
Sales tax
Receipt Total
Bath Shop Accessories
Sales tax
Receipt Total
06-10 1/3
$2,917.89
R. CUSTOMER
123 MAIN STREET
ANYWHERE, USA 12345-6789
Amount
[4321830838]
21
Kenwood tc
Mar 2
Kenwood tc
Minimum
Payment Due
page 3 of 3
$161.00
, 1 6 1.00
.
Amount enclosed:
continued
Date
Mar 3
Payment
Due Date
o
the creditor is Department Stores National Bank.
Revolving account transactions
$
$89.50
$102.97
refer to back of
Statement for information on “how payments Are Applied.”
$98.10
$18.89
$309.46 PO BOX 9999
$194.99 COLUMBUS OH 43218-3083
$12.67
$207.66
$209.62
$13.63
$223.25
a
[4321830838]21
y Payment/Helpful
Information
Includes your Total New
Balance, Payment Due
Date and Minimum
Payment Due amount. We
must receive at least your
Minimum Payment Due by
the Payment Due Date to
avoid being assessed late
fees, as described in this
section. Also included in
this section is information
to help you make choices
on how quickly you can pay
off your Balance.
o Payment Reminder
Lists your Payment Due
Date, Total New Balance and
Minimum Payment Due for
easy reference. Indicate the
amount you would like to
pay and return the stub
with your mailed payment.
(Please write your account
number on your check or
money order.)
009999999999999999 0000500 0004361 0000000 4016
Special Event account transactions
a Remittance Address
Important Information regarding your Special Event Account: If you pay the Minimum payment Due by
the payment due date then your account will not be assessed the deferred INtErESt ChArGES shown
below for this billing cycle. payments are applied in whole to the purchase on your Special Event Account
with the earliest payoff due date and then the smallest dollar amount due by that date. If you have
not paid a purchase in full by the payoff due date then the remaining balance, along with deferred
INtErESt ChArGES for that purchase will be transferred to your Major purchase Account and subject to
the terms of that account.
Page 2
Rewards News
A summary of Macy’s and
Star Rewards benefits and
information.
Only the minimum
payment
Revolving
t Revolving account transactions
Check this box, then write
your new mailing address
or email address on the
reverse side.
d Macy’s and Star
You will pay off the
balance shown on
this Statement in
about...
*this amount does not include the Minimum payment Due on your Club Account.
r
i Address Change
s Financial Terms
Review Fee and Interest
Charge amounts that were
applied to your account
during the current billing
period and the total year in
one convenient location on
your Account Statement.
Also shows your account
APR by type and balance.
If you make no
additional charges
using this card and
each month you pay...
If you are experiencing financial difficulty and would like information about
credit counseling or debt management services, you may call 1-877-337-8187.
r Account Type Summary
Lists all your active account
types, along with the New
Balance and Minimum
Payment Due for each.
Includes total figures
for your account.
$2,917.89
$161.00
Apr 8, 2010
Provides a list of transactions,
including purchases and
credits, during the billing
period for each account type.
Separate pages are provided
for additional transactions.
purchase
date
purchase
amount
5/25/08
$1,009.80
payments/
credits
payoff
amount
payoff
due date
Deferred INtErESt
ChArGES this month
Deferred INtErESt
ChArGES to date
$450.00
$559.80
5/25/09
$12.96
$191.75
Make sure this address
shows through the window
of the return envelope.
Club account transactions
Date
Store
R.
Customer
Feb 15 Jefferson
s
Revolving
account transactions
Fees
Date
Store
Description
Amount
payment-thank you
$125.00
$0.00
Amount
TOTAL FEES FOR THIS PERIODDescription
Mar 2 Kenwood
tc
Interest
Charged
lauren Jeans CO - Sweaters
AK Anne Klein - Cut & Sew
Jones Ny - Sweaters
Sales tax
TOTAL INTEREST FOR THIS PERIOD
Receipt Total
2010 Totals
Year-to-Date
Mar 2
Kenwood tc
Gourmet
Cookware
Sales tax
total fees charged in 2010
Receipt Total
total interest charged in 2010
Mar 3 Kenwood tc
Bath Shop Accessories
Go to macys.com/mymacyscard to view previous
transactions
and statements.
Sales
tax
Receipt Total
Mar 08
Mar 08
page 3 of 3
continued
Interest - revolving
Interest - Special Event
$18.00
$47.35
Interest Charge Calculation
$89.50
$102.97
$20.68
$98.10
$0.00
$18.89
$20.68
$309.46
$194.99
$12.67
$207.66
$209.62
$13.63
$223.25
Special
Event
account
your
Annual
Percentage
Ratetransactions
(APR) is the Annual Interest Rate on your Account.
Important Information regarding your Special Event Account: If you pay the Minimum payment Due by
Type
of Balance
Annual
Percentage
Balance
Subject
Interest
the payment
due date then your
account
will not be assessed the
deferred
INtErESt ChArGES
shownCharge
Rate (APR)
to Interest Rate
below for this billing cycle. payments are applied in whole to the purchase on your Special Event Account
revolving
24.50%
$1,105.02
$20.68
with the earliest payoff due date and
then (v)
the smallest dollar amount
due by that date. If you have
Special
Event
24.50%
(v)
$559.80
$0.00
not paid a purchase in full by the payoff due date then the remaining balance, along with deferred
(v)
= VariableChArGES
Rate
INtErESt
for that purchase will be transferred to your Major purchase Account and subject to
the terms of that account.
d Macy’s and Star Rewards News
purchase
date
purchase
amount
5/25/08
$1,009.80
Store benefits
payments/
credits
payoff
amount
payoff
due date
Deferred INtErESt
ChArGES this month
Deferred INtErESt
ChArGES to date
$450.00
$559.80
5/25/09
$12.96
$191.75
Store event savings
$109.00
Card event savings
$0.00
Club account transactions $0.00
Store services
Date savings
Storethis month
total
$109.00 Description
Feb 15savings
Jefferson
total
ytD
$109.00 payment-thank you
Amount
$125.00
More
Fees News
TOTAL FEES FOR THIS PERIOD
Shh... Macy’s Secret Sale
is March 12-16, with first peek at new spring fashion, great savings & $10$0.00
in Macy’s Money
back
for every
$50 you spend. What a great time to shop for all your Easter & spring break needs. See store for details.
Interest
Charged
Mar 08
Mar 08
Interest - revolving
Interest - Special Event
$20.68
$0.00
$20.68
TOTAL INTEREST FOR THIS PERIOD
2010 Totals Year-to-Date
total fees charged in 2010
total interest charged in 2010
$18.00
$47.35
Go to macys.com/mymacyscard to view previous transactions and statements.
If you are a customer who has multiple account-type plans, new federal laws contain specific requirements about how we apply any payments you may make in excess of your Minimum Payment Due. As a result, we will
Interest Charge Calculation
apply excess payments to balances being charged
before balances
thatis the
areAnnual
not being
charged
This means that excess payments will be applied to Revolving and Major Purchase balances before being applied
yourinterest
Annual Percentage
Rate (APR)
Interest
Rate on interest.
your Account.
of Balance (No Interest
Annual
Percentage
Balance Subject
Interest
to balances that are not accruing interest duringType
a promotion
and
Club Accounts balances),
or for which you
canCharge
avoid interest by paying the balance in full by the promotion expiration (Special Event balance). An
Rate (APR)
to Interest Rate
revolving
24.50%
(v)
$1,105.02
exception to this rule occurs in the last two billing
periods of a Special Event
promotion.
During those
two billing periods,$20.68
excess payments must first be applied to the expiring Special Event promotional balance(s).
Special Event
24.50% (v)
$559.80
$0.00
(v) = Variable Rate
Please feel free to contact us with questions at the phone number on the back of your card.
Macy’s and Star Rewards News
Please remember to write your account numberStore
on your
check
benefi
ts or money order and include the payment stub (bottom portion of account statement) with your check or money order. Also, be sure to write the amount enclosed
Store event savings
$109.00
as illustrated in“o Amount enclosed”. You mayCard
alsoevent
paysavings
your statement online$0.00
at www.macys.com/mymacyscard or at any register in Macy’s stores.
Store services
$0.00
mcyplhtr0210
Number/Customer
Service Number
Find your account number,
the billing period ending
date, number of days in your
billing cycle, a number to
call for questions on your
account and our website
to directly access your
account online.