Preview
FILED: CORTLAND COUNTY CLERK 07/06/2022 01:43 PM INDEX NO. EF22-280
2022321694
EF22-280
NYSCEF DOC. NO. 2 07/06/2022 01:43:46PM RECEIVED NYSCEF: 07/06/2022
Pages 2
EXH1BIT(S)
Elizabeth Larkin, County Clerk
PAGE1OF2
Summar y of account
activity Payment nlormation
Accountno. "**-****-****-8868Newbalance $2,001.54
Minimumpaymen1due $880,00
Previousbalance $2.507.61 Paymentduedate 11/01/2021
Payments 0.00
Othercredits 0.00 Late payment warnlrIg:
Purchases 0.00 If we do not receiveyour minimumpaymentby 11/01/2021you may
Otherdebits 0.00 ..ha a t
pay upta $40 atefee
Feescharged 40.OD Minimumpaymentwarning: Ifyou makeonlytheminimum
Interestcharged 63.93 paymernfor eachperiod,you will pay morein interestand11willtake
Newbalance $2,601.54 you longerto pay off yourbalances,Forexample:
Pastdueamount 755.00
I Youwill pay off
If you makeno additional Aitd youwill
Creditlimit $1,950.OD chargesusingthis card
thebalanceshown and up payingan
Availablecredit $000 andeachmonthyou pay:on thestatementestimaindtotal
Statementclosingdate 10/06/2021 in about· of
Daysirt billingcycle 31 Onlytheminimurnpayment
7years $4391
Forinformationregardingcreditcounselingservices,
call 1-800-284-1706.
Details uf your Iransdclions
. ANSDA E ANSACT(ON
DESCRIPTIONA.OCATION
Fees
10/01/2021 LATEFEE 40,00
Totalfees chargedfor this period $40.00
..._.....___.__...........____......_....._......._......................_...__................___
_......_.........._...__................--...__....___.
Interest
charged
Interestcharge on purchases $53.93
Total interestfor this period $53.93
2021totals year to date
Totalfeeschargedin 2021 $280.00
Totalinterestchargedin 2021 $443.79
Interes t charge calculation
YourAnnualPercentageRate(APR}is the annualInterestrateon yoursecount.SeeBALANCECOMPUTATION
METHOD
on page2 for moredetails Minimuminterestchargemay exceedinterestchargebelow,peryouroreditcardagreement.
TYPEOF BALANCE$UBJECT INTEREST
BALANCE APR TOINTEREST
RATE CHARGE
Purchasespriorto 0807/2019 24.9900%M 1,237.97(DA) 26.27
Purchases 24.9900%M 1,303.32(DA) 27.06
Addit tonal import anI messfiges
IMPORTANT INFORMATION ABOUT LATE FEE CREDITS
We may occasionally provide a credit for the amount, part or all, of a late fee charged to your account. 11
we do, we will charge a fee of up to $40.00 for any subsequent late payment. In addition, we may reverse
the credit and repost the charge to your account if you fail to make the minimum payment due on or
before the due date In the next billing period.
- .-. -- _- . -........ . _. ... - _.- NOT
..-----... CESeemenie n a al
Please
learatperforation
above
Account
number ****-****-****-6858
Newbalance Minimum
paymeng
$2,001.54 $880,00
Mailed mentsmustreachus by6pmET
Yes.I havernovedor updatedmy Amount on11 21.
e-mailaddress-see reverse. enclosed:
Pleasemakecheckpayableto
COMENMCTORIAS SECRET
"riM liP1@" liPil@¹"li@¹lninpipµ i.ntni.
Pleasereturnthisportionalongwithyourpaymentto:
MRSAMYLKING
1351CALLEAVANZADOAPTSTE4 PO BOX 650972
SANCLEMENTECA92673-6363 DALLAS TX 75265-0972
i@'lk"Irlli"ililbillPllen"ung
nin@"@hn I
FILED: CORTLAND COUNTY CLERK 07/06/2022 01:43 PM INDEX NO. EF22-280
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 07/06/2022
Keepthispartlon
foryourrecords. CREDIT
REPORTING..
Wemayreportinformation
about
youraccount
to
WhatToDoff YouThlnkYouFladAMistake
OnYourStatement creditbureaus.
Latepayments,
missed orotherdefaults
payments, onyour
Ifyouthinkthereisanerroronyourstatement, account
writetousati Comenity maybereflected
inyourcreditreport.
BankPO8ad82782,Columbus,
OH43218-2782. NOTICE
OFCREDIT
REPORTDISPUTES .
Inyourletter.giveusthefollowirig
information- 11youbehere
theaccount
irrormation
wereported
toaconsumer
reporting
" Account isinaccurate,
agency youmaysubmit
adirectdispute
toCunenity
BankPO
informatioth
Yourname
andaccount
nurnber" Box182789, OH43218-2789..
Columbus, Yourwntlendispule
must
" Dafter
amount:
Thedollaramount
ofthesuspected
error- provide
sufficient
information
toidentify
theaccount
andspecify
" Description whythe
of'oblem:Ifyouthinkthemisanermronyourbill.·
iniorrnation
isinaccurates
describe
whatyoubelieve
iswrong
andwhyyoubelieve " Account
it 15amjstake. Information:
Yourname
andaccount
number
Youmustcontact altertheerroragppeared
onyour "Contact
Information
Your24tress
andtelephone
number
uswithin60days " Disputed
statement. Information:1heaccount
Identily information
disputed
and
whyyoubelieve
explain it isinaccurate
Youmustnotifyusofanypotential
errorsin mHiq Youmaycallus,butif
* Supporting
Docurnentation: provide
Ifavailable,acopyofthesection
of
youdosegrenotrequired
loinvesligele
anypotential
errors
andyoumay thecreditreporttheaccount
showing information
youaredisputing
lurvetopaytheamount
inquesbon..
Whileweinvestigate
whether Wewillirnmstigate
ornottherehasbeenanenorthefoll0Wing thedisputed
infounation
andreport
there-mlts
toyou
within30days. oftheinformation
ofreceipt needed
fornarinveshgation.
If
tocalfect
theamount orreport
as wefindthaltheaccount
information
wereported
is inaccurate,
wewill
.canot
t
ry Inquestion, you prornpH
pmvide
the correction
toeach
consuiner
delmquent
onthatamount- y necessary reporting
" Thecharge towhichwereported
agency theIriformation..
inquestion
nm tomain
onyourstatement,
andweniay
continue
tocharge
youinterest
onthatamount, PAYMENTS
But,IIwedetermine
that MARKED
PAIDINFULL'.
Allwritten
communications
sugarding
wemade youwillnothaveto paytheamount
a mistake, inquestion
or Æsputed thatinclude
amounts anycheckorotherpayrnent
instrument
interest
orotherfeesmlated
tothatamount. . marked infull"orsimilarlanguage,
whih'payment mustbesentto:3000
" While
youdonothavetopaytheamount
inquestion, Suile120Carrollton,
youareresponsibleKellway
Dnve, TX75006.
DONOTUSETHEENCLOSED
REMtTTANCE
ENVELOPE. ..
fortheremainder
ofyourbalance" r Wemayaccept
payment
senttoanyotheraddress anyof
withoutlosing
" Wecanspptyanyunpaid
amount
against
yourcreditPimit ourrights.
" Nopayment
shalloperate
asanaccord
andsatisfactiorp
without
prior
Your
Rights
ff You
AreDissatisfied
WithYourCredit
Card'dases wntienappmval,
Ifyouaredissatisfied
withthegoods
orservices
thatyouhavepurchased
CUSTOMER
withyourcreditcard,endyouhavetriedingoodfaithtocorrect
the Visitcomenity.rlet/vi
SERVICE. toriassecret
orcall
younayhavetherightreattopaytheminuining 1-B00-69494/8
withthi"membent,
pro+em (TDD/TlY
18006941788L
amount
dueonthepurchase. TELEPHONE
MONITORING.
Toprovide
youwithhigh’quality
phone
service,
Tousethisright,aÜofthelollowirig
mustbetrue: communication
withusismonitored
and/or
recorded.
1.Thepurchase
musthavebeenmade
inyourhome
stateorwithin100
ADDITFONAL
tNFORMATION,
Thefollowing when
designations,
appearing
milesofyourcurrent
mailing andthepurchase
address. pricemusthaveonthefrontofyourslagement,
meanthefollowing:
Vmeans
variable
rate
beenmorethari$50.(NWe:
Neither
of1hese
is necessary
it yourpurchase
(thisrateme varyh
WVINTPAYRQrneans
WAlVE
INTER PAYMENT
EST,
wasbased
onanadvertisement
vsmailed
toyou,orit weownthecompany REQUIRED;
WVINTEQPYmeans
WalVE
INTEREST.
EQ[.IAL WV
PAYMENT;
thalsoldyouthegoods
orservices.) . INTIOWPMTmeans
WAlVE LOW
INTEREST, DFINTPYRQ
PAYMENT;
2.Youmustlwreusedyourcreditcardforthepurchase.
Purchases
made means
DEFER PAYMENT
iNTEREST, DEFINTEQPYmeans
REQUIRED;
withcashadvances orwith
tromanATM your
acheckthataccesses credit
D•FER EQUAL
INTEREST, DFINTLOW
PAYMENT; PMTmeans
DEFER
cardaccount
donotquality. LOW
INTEREST. PAYMENT
andLOWAPREQPAY
means
t.0WAPR.
EQUAL
3..Youmustnotyethavetullypaidforthepwchase. Ityouhave
PAYMENT. a varia+e
rateaccount,
yourperiodic
ratesmayvary.
li allofthecriteriaabove
aremetandyou You
mayp
aresti.Ildissatisliewiththe a
ay ofyour
Account
balance
at
anytime
without
penally.
contacl
purchase, usin writing
anComanily
BankPOBox182782, Send
allinquiries
to:CUSTOMER POBox182273,
SERVICE, OH
Columbus,
OH43218-2782.
Columbus. 43215-2271
While
weinvestigate,
thesame
rulesapplytothedisputed
emount
as Send
allbankruptcy
noticen
andrelated
correspondence
toComenity
Bank,
discussed Afterweimrshourinvestigation,
above. wewilltellyouourBankruptcy PCBox182125,
Department, OH43218-2121
CoEumbus,
decisiorp.
Atthatpoint,if wethinkyouoweanamount
andyoudooolpay
WeIneyreport
youasdelinquent. NOTICE
ABOUT
ELECT
RONIC
CHECK
CONVERSION
Whenyou
pnwide
a
checkaspayment,
youauthorse
usellher10useinformation
fromyour
HOWTOAVOID
PAYlNG
INTEREST
. Yourduedateisatleast25daysafter
checktomakeaone-time
electmnic
fundtransfer
fromyouraccount
orto
thecloseofeachbillingcycle..
Wewillpotcharge
youinterest
ORp0FChases
process
thepayment
asachecktransaction.
Whenweuseinformation
from
it youpayyourentirebalance
bytheduedateeachmonth,
Wewillbeginto
yourchecktoniakeanelectronic
fundIrarisIer,
fundsmaybewithdrawn
charge
interest
onnewpurchases
madeunderaLowAPR,EqualPayment
fromyouraccount
assoonasthesame
daywereceive
yourpayment,
and
orBudget
Payment
CreditPlanfromthedateofpurchase. youwillnotpeceim
yourcheckbackIromyourfinancial
instituhon,
BALANCE
COMPUTATION
METHOD.
Wecalculate
interest lor
separately
eachbalancethemethod(s)
using. described
below.
Thetwolettersin
parentheses
nexttotheBalance
Subject
10Interest
Ralecolumn
inthe
Interest Calculation
Charge onthisstatement
section corresponds
tothe
followings
(DA)Weliguretheinterest
charge
onthisbalance theperiodic
byapplying
"dmlybalance"
ratetothe loreachdayinthebillingperialTogetthe
"dailybalance"'
wrelakethebeginning
balance
eachday,addanynew
transactions
andFees
andsubtract
anypayments
orcredits{treating
anynet
creditbalance
asazerobalance).
Thisgivesusthedaihrbalance.
(MC)Wefiguretheinterest
charge
onthisbalance lheperiodic
byapplying
dailybalance"
ratetothe"average lurthebillingperiod.
Togetthe
dailybalance"
"average welakethebegirmirg
balance
eac11
day,addany
newtransactions
andteesandsubtract
anypayments
orcredits
(trealing
anynetcreditbalance Thisgivesusthedailybalance..
asafetobalance).
Then,ilueaddupallthedailybalances
forthebillireperiod
anddividethe
totalbythenumber
ofdaysinthebillingperiod.
Thss
givesusthe"average
dailybalarice.
PayyourAccount
PAYMENTS. bythepayment II wedonotreceive
duedatebythetimelistedbelow, yourpayment
inacwrectformal(oullined
belowlit
maynotbecredited
toyourAccount
loruptoNvedays,
ormayberejected.
Alagyourpayment
mustreach
usbythepayment
cutolttimethatapplies
to
thepayment
method
youselect.
Correct
Format.
Comict
format
lordifferentpayment
methods
Include: .
e 0semighh
MaHurg Send
a rersonal
check,
rnoney travelers
order, check
w cashier's
checkpayaue
inU.S.datlers,
tothenameandaddreeshown
on
thisStatement
inthepayment
stubareacontaining
yourbalance
andminunum
payment
amount.
Besuretoinclude
yourpayment
stub,donotstaple
or
clipyourpayment
tothestub,include
youraccount
number
onyourcheck,
usetheenvelope withyourStatement,.
provided sendonepayment
withone
stubanddonotsendanycorrespondence
payment withyourpayment,
Youshould
overnsht to3000Kellway
apayment SuiteHQCarroitten,
Drive, TX
75006andtheadditional
larmat
mquiremenis
arethesame
asothermailed
paymenis
unless inwhichcaseynufollowthePayments
thereisadispute, -
"PaidInFull*section
Marked atxwe.
Docotsendcashorgiftcettilicates.hy
ByPhone:
YoucancallustoltIreeet1-800-695-9478
(TDD/TTY
tomake
1-800495-1788) a payment whichinaymclude
bytelephone, afee.Online:
Youcaftnak
Preview
FILED: CORTLAND COUNTY CLERK 07/06/2022 01:43 PM INDEX NO. EF22-280 2022321694 EF22-280 NYSCEF DOC. NO. 2 07/06/2022 01:43:46PM RECEIVED NYSCEF: 07/06/2022 Pages 2 EXH1BIT(S) Elizabeth Larkin, County Clerk PAGE1OF2 Summar y of account activity Payment nlormation Accountno. "**-****-****-8868Newbalance $2,001.54 Minimumpaymen1due $880,00 Previousbalance $2.507.61 Paymentduedate 11/01/2021 Payments 0.00 Othercredits 0.00 Late payment warnlrIg: Purchases 0.00 If we do not receiveyour minimumpaymentby 11/01/2021you may Otherdebits 0.00 ..ha a t pay upta $40 atefee Feescharged 40.OD Minimumpaymentwarning: Ifyou makeonlytheminimum Interestcharged 63.93 paymernfor eachperiod,you will pay morein interestand11willtake Newbalance $2,601.54 you longerto pay off yourbalances,Forexample: Pastdueamount 755.00 I Youwill pay off If you makeno additional Aitd youwill Creditlimit $1,950.OD chargesusingthis card thebalanceshown and up payingan Availablecredit $000 andeachmonthyou pay:on thestatementestimaindtotal Statementclosingdate 10/06/2021 in about· of Daysirt billingcycle 31 Onlytheminimurnpayment 7years $4391 Forinformationregardingcreditcounselingservices, call 1-800-284-1706. Details uf your Iransdclions . ANSDA E ANSACT(ON DESCRIPTIONA.OCATION Fees 10/01/2021 LATEFEE 40,00 Totalfees chargedfor this period $40.00 ..._.....___.__...........____......_....._......._......................_...__................___ _......_.........._...__................--...__....___. Interest charged Interestcharge on purchases $53.93 Total interestfor this period $53.93 2021totals year to date Totalfeeschargedin 2021 $280.00 Totalinterestchargedin 2021 $443.79 Interes t charge calculation YourAnnualPercentageRate(APR}is the annualInterestrateon yoursecount.SeeBALANCECOMPUTATION METHOD on page2 for moredetails Minimuminterestchargemay exceedinterestchargebelow,peryouroreditcardagreement. TYPEOF BALANCE$UBJECT INTEREST BALANCE APR TOINTEREST RATE CHARGE Purchasespriorto 0807/2019 24.9900%M 1,237.97(DA) 26.27 Purchases 24.9900%M 1,303.32(DA) 27.06 Addit tonal import anI messfiges IMPORTANT INFORMATION ABOUT LATE FEE CREDITS We may occasionally provide a credit for the amount, part or all, of a late fee charged to your account. 11 we do, we will charge a fee of up to $40.00 for any subsequent late payment. In addition, we may reverse the credit and repost the charge to your account if you fail to make the minimum payment due on or before the due date In the next billing period. - .-. -- _- . -........ . _. ... - _.- NOT ..-----... CESeemenie n a al Please learatperforation above Account number ****-****-****-6858 Newbalance Minimum paymeng $2,001.54 $880,00 Mailed mentsmustreachus by6pmET Yes.I havernovedor updatedmy Amount on11 21. e-mailaddress-see reverse. enclosed: Pleasemakecheckpayableto COMENMCTORIAS SECRET "riM liP1@" liPil@¹"li@¹lninpipµ i.ntni. Pleasereturnthisportionalongwithyourpaymentto: MRSAMYLKING 1351CALLEAVANZADOAPTSTE4 PO BOX 650972 SANCLEMENTECA92673-6363 DALLAS TX 75265-0972 i@'lk"Irlli"ililbillPllen"ung nin@"@hn I FILED: CORTLAND COUNTY CLERK 07/06/2022 01:43 PM INDEX NO. EF22-280 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 07/06/2022 Keepthispartlon foryourrecords. CREDIT REPORTING.. Wemayreportinformation about youraccount to WhatToDoff YouThlnkYouFladAMistake OnYourStatement creditbureaus. Latepayments, missed orotherdefaults payments, onyour Ifyouthinkthereisanerroronyourstatement, account writetousati Comenity maybereflected inyourcreditreport. BankPO8ad82782,Columbus, OH43218-2782. NOTICE OFCREDIT REPORTDISPUTES . Inyourletter.giveusthefollowirig information- 11youbehere theaccount irrormation wereported toaconsumer reporting " Account isinaccurate, agency youmaysubmit adirectdispute toCunenity BankPO informatioth Yourname andaccount nurnber" Box182789, OH43218-2789.. Columbus, Yourwntlendispule must " Dafter amount: Thedollaramount ofthesuspected error- provide sufficient information toidentify theaccount andspecify " Description whythe of'oblem:Ifyouthinkthemisanermronyourbill.· iniorrnation isinaccurates describe whatyoubelieve iswrong andwhyyoubelieve " Account it 15amjstake. Information: Yourname andaccount number Youmustcontact altertheerroragppeared onyour "Contact Information Your24tress andtelephone number uswithin60days " Disputed statement. Information:1heaccount Identily information disputed and whyyoubelieve explain it isinaccurate Youmustnotifyusofanypotential errorsin mHiq Youmaycallus,butif * Supporting Docurnentation: provide Ifavailable,acopyofthesection of youdosegrenotrequired loinvesligele anypotential errors andyoumay thecreditreporttheaccount showing information youaredisputing lurvetopaytheamount inquesbon.. Whileweinvestigate whether Wewillirnmstigate ornottherehasbeenanenorthefoll0Wing thedisputed infounation andreport there-mlts toyou within30days. oftheinformation ofreceipt needed fornarinveshgation. If tocalfect theamount orreport as wefindthaltheaccount information wereported is inaccurate, wewill .canot t ry Inquestion, you prornpH pmvide the correction toeach consuiner delmquent onthatamount- y necessary reporting " Thecharge towhichwereported agency theIriformation.. inquestion nm tomain onyourstatement, andweniay continue tocharge youinterest onthatamount, PAYMENTS But,IIwedetermine that MARKED PAIDINFULL'. Allwritten communications sugarding wemade youwillnothaveto paytheamount a mistake, inquestion or Æsputed thatinclude amounts anycheckorotherpayrnent instrument interest orotherfeesmlated tothatamount. . marked infull"orsimilarlanguage, whih'payment mustbesentto:3000 " While youdonothavetopaytheamount inquestion, Suile120Carrollton, youareresponsibleKellway Dnve, TX75006. DONOTUSETHEENCLOSED REMtTTANCE ENVELOPE. .. fortheremainder ofyourbalance" r Wemayaccept payment senttoanyotheraddress anyof withoutlosing " Wecanspptyanyunpaid amount against yourcreditPimit ourrights. " Nopayment shalloperate asanaccord andsatisfactiorp without prior Your Rights ff You AreDissatisfied WithYourCredit Card'dases wntienappmval, Ifyouaredissatisfied withthegoods orservices thatyouhavepurchased CUSTOMER withyourcreditcard,endyouhavetriedingoodfaithtocorrect the Visitcomenity.rlet/vi SERVICE. toriassecret orcall younayhavetherightreattopaytheminuining 1-B00-69494/8 withthi"membent, pro+em (TDD/TlY 18006941788L amount dueonthepurchase. TELEPHONE MONITORING. Toprovide youwithhigh’quality phone service, Tousethisright,aÜofthelollowirig mustbetrue: communication withusismonitored and/or recorded. 1.Thepurchase musthavebeenmade inyourhome stateorwithin100 ADDITFONAL tNFORMATION, Thefollowing when designations, appearing milesofyourcurrent mailing andthepurchase address. pricemusthaveonthefrontofyourslagement, meanthefollowing: Vmeans variable rate beenmorethari$50.(NWe: Neither of1hese is necessary it yourpurchase (thisrateme varyh WVINTPAYRQrneans WAlVE INTER PAYMENT EST, wasbased onanadvertisement vsmailed toyou,orit weownthecompany REQUIRED; WVINTEQPYmeans WalVE INTEREST. EQ[.IAL WV PAYMENT; thalsoldyouthegoods orservices.) . INTIOWPMTmeans WAlVE LOW INTEREST, DFINTPYRQ PAYMENT; 2.Youmustlwreusedyourcreditcardforthepurchase. Purchases made means DEFER PAYMENT iNTEREST, DEFINTEQPYmeans REQUIRED; withcashadvances orwith tromanATM your acheckthataccesses credit D•FER EQUAL INTEREST, DFINTLOW PAYMENT; PMTmeans DEFER cardaccount donotquality. LOW INTEREST. PAYMENT andLOWAPREQPAY means t.0WAPR. EQUAL 3..Youmustnotyethavetullypaidforthepwchase. Ityouhave PAYMENT. a varia+e rateaccount, yourperiodic ratesmayvary. li allofthecriteriaabove aremetandyou You mayp aresti.Ildissatisliewiththe a ay ofyour Account balance at anytime without penally. contacl purchase, usin writing anComanily BankPOBox182782, Send allinquiries to:CUSTOMER POBox182273, SERVICE, OH Columbus, OH43218-2782. Columbus. 43215-2271 While weinvestigate, thesame rulesapplytothedisputed emount as Send allbankruptcy noticen andrelated correspondence toComenity Bank, discussed Afterweimrshourinvestigation, above. wewilltellyouourBankruptcy PCBox182125, Department, OH43218-2121 CoEumbus, decisiorp. Atthatpoint,if wethinkyouoweanamount andyoudooolpay WeIneyreport youasdelinquent. NOTICE ABOUT ELECT RONIC CHECK CONVERSION Whenyou pnwide a checkaspayment, youauthorse usellher10useinformation fromyour HOWTOAVOID PAYlNG INTEREST . Yourduedateisatleast25daysafter checktomakeaone-time electmnic fundtransfer fromyouraccount orto thecloseofeachbillingcycle.. Wewillpotcharge youinterest ORp0FChases process thepayment asachecktransaction. Whenweuseinformation from it youpayyourentirebalance bytheduedateeachmonth, Wewillbeginto yourchecktoniakeanelectronic fundIrarisIer, fundsmaybewithdrawn charge interest onnewpurchases madeunderaLowAPR,EqualPayment fromyouraccount assoonasthesame daywereceive yourpayment, and orBudget Payment CreditPlanfromthedateofpurchase. youwillnotpeceim yourcheckbackIromyourfinancial instituhon, BALANCE COMPUTATION METHOD. Wecalculate interest lor separately eachbalancethemethod(s) using. described below. Thetwolettersin parentheses nexttotheBalance Subject 10Interest Ralecolumn inthe Interest Calculation Charge onthisstatement section corresponds tothe followings (DA)Weliguretheinterest charge onthisbalance theperiodic byapplying "dmlybalance" ratetothe loreachdayinthebillingperialTogetthe "dailybalance"' wrelakethebeginning balance eachday,addanynew transactions andFees andsubtract anypayments orcredits{treating anynet creditbalance asazerobalance). Thisgivesusthedaihrbalance. (MC)Wefiguretheinterest charge onthisbalance lheperiodic byapplying dailybalance" ratetothe"average lurthebillingperiod. Togetthe dailybalance" "average welakethebegirmirg balance eac11 day,addany newtransactions andteesandsubtract anypayments orcredits (trealing anynetcreditbalance Thisgivesusthedailybalance.. asafetobalance). Then,ilueaddupallthedailybalances forthebillireperiod anddividethe totalbythenumber ofdaysinthebillingperiod. Thss givesusthe"average dailybalarice. PayyourAccount PAYMENTS. bythepayment II wedonotreceive duedatebythetimelistedbelow, yourpayment inacwrectformal(oullined belowlit maynotbecredited toyourAccount loruptoNvedays, ormayberejected. Alagyourpayment mustreach usbythepayment cutolttimethatapplies to thepayment method youselect. Correct Format. Comict format lordifferentpayment methods Include: . e 0semighh MaHurg Send a rersonal check, rnoney travelers order, check w cashier's checkpayaue inU.S.datlers, tothenameandaddreeshown on thisStatement inthepayment stubareacontaining yourbalance andminunum payment amount. Besuretoinclude yourpayment stub,donotstaple or clipyourpayment tothestub,include youraccount number onyourcheck, usetheenvelope withyourStatement,. provided sendonepayment withone stubanddonotsendanycorrespondence payment withyourpayment, Youshould overnsht to3000Kellway apayment SuiteHQCarroitten, Drive, TX 75006andtheadditional larmat mquiremenis arethesame asothermailed paymenis unless inwhichcaseynufollowthePayments thereisadispute, - "PaidInFull*section Marked atxwe. Docotsendcashorgiftcettilicates.hy ByPhone: YoucancallustoltIreeet1-800-695-9478 (TDD/TTY tomake 1-800495-1788) a payment whichinaymclude bytelephone, afee.Online: Youcaftnak