Preview
FILED: HERKIMER COUNTY CLERK 12/24/2022 01:09 PM INDEX NO. EF2022-110041
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 12/24/2022
PAGE1OF4
Summa of account activi Pa ment inforrnation É
Accountno. **"-""-""-1198 Newbalance $2,725.55
Minimumpaymentdue $582.00
Previousbalance $2,634.50 Paymentduedate 03/18/2021
Payments 0.00
Othercredits 0.00 Late payrnentwarning:
Purchases 0.00 Ifwedonotreceiveyourminimumpaymentby 03/18/2021you may
Otherdebits 0.00 .®to payupto a $40.00latefee
.
Cashadvance 0.00 Minimumpaymentwarning:if youmakeonlytheminimum
Balancetransfer 0.00 paymentforeachperiod,youwill paymorein interestandit willtake
Feescharged 40.00 you longerto payoffyourbalances.Forexample:
interestcharged 51.05
Newbalance $2,725.55 If you makenoadditional
Youwill payoffAndyou will
chargesusingthiscardthebalanceshown end up payingan
Pastdueamount 504.00 andeachmonthyoupay: estimatedtotal
on thestatement
Creditlimit $2,500.00 In about: 1of:
Availablecredit $0.00 payment
Onlytheminimum 12years S8791
Cashcreditlimit $0.00
Availablecash $0.00 regardingcreditcounselingservices,
Forinformation
Statement 02/20/2021 can
closingdate
Daysin billingcycle 28
Skipsigningin to payanduseComenity'sEasyPay. cameraor code
It's safeandconvenient.Useyoursmartphone
readerto scantheQRcodeprintedonyourpaymentstubbelowto getstarted.
..
Details of
odretransactions
..TRANS E TRAS C ION ESCRIPTI/ OCTI UN
Fees
02/18/2021 LATEFEE 40.00
Totalfeeschargedfor this period $40.00
..,......................................................................................................................,................................................................................
Interest charged
Interestchargeon purchases $51.05
Interestchargeon cashadvance $0.00
Interestchargeon balancetransfer $0.00
Total interestfor this period $51.05
2021totals yearto date
Totalfeeschargedin 2021 $80.00
Totalinterestchargedin2021 $105.68
interest char
e calculation
YourAnnualPercentageRate(APR)is theannualinterestrateonyouraccountSeeBALANCECOMPUTATION
METHOD
onpage2 for moredetails.Minimuminterestchargemayexceedinterestchargebelow,peryourcreditcardagreement
TYPEOF BALANCE
SUBJECT INTEREST
BALANCE APR TOINTEREST
AATE cHARGE
Purchases 24.9900%(v) 2,663.28 51.05
Cashadvances 26.9900%(v) 0.00 0.00
-..---. IcE e esses einy a nonnat
on.
_- - . ..- - -.............................NP
Please
tearatperforation
above
Account
number ****-****-**"-1198
Newbalance Minimum
payment
* $2,725.55 $582.00
994
mustreachus by6pmET
Mailedpayments
Yes,I havemovedorupdatedmy Amount on03/18/2021,
- Seereverse.
e-mailaddreSS enclosed:
$ Pleasemakecheckpayableto:
COMENITY- My BJ'sPerksMastercard
1111111111111
lilell¹lil'IllilII"III
@ riderlriluhi
LYUBOVCLEMENT Pleaseretumthisportionalongwithyourpaymentto:
3337SOUTHSIDERD PO BOX 659834
FRANKFORT NY13340-5018 SAN ANTONIO TX 78265-9134
FILED: HERKIMER COUNTY CLERK 12/24/2022 01:09 PM INDEX NO. EF2022-110041
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 12/24/2022
thisportion
Keep foryourrecords.
CREDIT
REPORTING.
Wemayreport
information
youraccount
about to
What
ToDoIf YouThinkYouFindAAfistake
OnYour
Statement creditbureaus.
Latepayments,
missed orotherdetaults
paymenis, onyour
Ifyouthinkthereisanerroronyourstatement, account
writetousat:Comenity mayW decM inyour
cd re¾
Capital
BankPOBox182620, Ohio43218-2620.
Columbus, NOTICE
OFCREDIT
REPORT
DISPUTES
Ifyoutmlieve
theaccount
.
InyourIctter,giveusthetollowing
information: information
wereported
toaconsumer
reportingisinaccurate,
agency you
" Account
mtormation:
Your
name
andaccount
number. s
mayubmit
adirect
dispute
to Capital
Comenity Bank
POBox182t20,
" Donar
amounk
Thedollaramount
ofthesuspected Ohio43218-2120.
Columbus, Your
written
dispute
mustprovide
sufficient
error- information
toidentity
theaccount
andspecify
whytheinformalion
is
" Description
ofProblcm:
Ifyouthinkthereisanerroronyourbill,
inaccurate:
describe
whatyoubelieve
iswrong
andwhyyoubelieve " Account
it isamistake. Yourname
Information: andaccount
number
Youmustcontact
uswithin60days
aftertheerrorappeared " Contact Your
Information:
address number
andtelephone
onyour " Disputed
statement. Information:theaccount
Identify information
disputed
and
explain
whyyoubelieve
it isinaccurate
Youmustnotifyusofanypotential
errors
inwriting.
Youmaycallus.butif
" Supporting If available,
Documentation: provide ofthesection
acopy of
youdowearenotrequned
toinvestigate
anypotential
errors
andyoumay thecreditreport
theaccount
inforrnation
youaredisputing
havetopaytheamount
inquestion. showing
While . ornottherehasbeen
weinvestigate
whelber . Wewillinvestigate
the
disputed
information
and theresults
report toyou
anerror,
thefollowme ofreceipt
within30days oftheinformation
forourinvestigation.
needed If
aretrue: wefindthattheaccount
" Wecannot
trytocollect inquestion.
theamount orreport
youas information
wereported
isinaccurate,
wewill
dehnquent
onthatamount· provide
promptly thenecessary toeachconsumer
correction reporling
" Thecharge
inquestion agency wereported
towhich theinformation.
mayremain
onyourstatement.
andwemay
locharge
continue youinterest
onthatamount. PAYMENTS
But,it wedetermine
that MARKED INFULL*.
'PAID Allwritten
communications
a
wemademistake,
youwillnothave
topaytheamount
inquestion
or disputed
regarding that
amounts include orotherpayment
anycheck
anyinterest
orotherfeesrelated
tothatamount. mstrument
marked
"payment
infulForsimilarmustbesentto:
language,
" While
youdonothave
topaytheamount
inquestion, North
6550 L
youareresponsibleDONOT1
oop604 Suite
East, S
101,an IX7824/-5004.
Antonio,
fortheremainder
olyourbalance. USEIHEENCI.0SED
REMilTANCE
ENVELOPE.
. Wemayaccept
payment
senttoanyotheraddress
without anyof
losing
" Wecanapply
anyunpaid
amount
against
yourcreditlimit· ourrights.
Your It You
Rights AreDissatisfied
WithYour - Nopayment
shalloperate
asanaccord
andsatisfaction
without
prior
Credit
Card
Purchases approval.
written
Ityouaredissalistied
wilhthegoods
orservices
thalyouhave
purchased .
withyourcreditcard.andyouhave CUSTOMER
triedingoodfaithtocorrect
the SERVICE.
Visitcomemty.net/bjs
orcall (My
withthemerchant,
problem youmayhave BJ's
Perks or
Mastercard)
therighInottopaytheremainingMastercard) (MyIlJsPerks
World
dueonIhepurchase.
amounI (FDD/1IY ),
Tousethisright,allofthefollowing
mustbetrue: TELEPHONE
MONITORING.
Foprovide phone
youwithhigh-quality
servi<:c,
commumcation
withusisnonitored
and/or
recorded.
1.Thepurchase
musthave
been
madeinyourhome
slateorwithin100
milesofyourcmrent
mailing andthepurchase
address, ADDITIONAL
pricemusthave INFORMATION.
lhetollowing when
designahons,
appearing
beenmore
than$50.(Note:
Neither
ofthese it yourpurchase °ª.thefrontofyourstatement,
isnecessaiy meanthefollowing:
Vmeans
vanable
rate
wasbased
onanadvertisement
wemailed WVINIPAY
toyou,orif weownthecompany Esratemayvaryh
NE
HQmeans
WAlvE PAYMEN1
INIERESI,
lhatsoldyouIhegoods
orservices.) WAE ES A A M
2.You
musthave
used
yourcreditcardlorthepurchase.
Purchases
made means
DEFER PAYMENT
INTEREST, DEFINfEQPYmeans
HEQUIRED:
withcashadvances
fromanATM
orwithacheck
thataccesses DEFF.R
yourcredit EQUAI.
INIENEST, DFtNILOW
PAYMENI: DEFER
PMImeans
cardaccount
donotquality. LOW
INTEREST. PAYMENT
andLOWAPR
EQPAY LOW
means EQUAL
APR,
3.Youmustnotyethave
fullypaidlorthepurchase. PAYMENT.
Ifyouhave
avariable yourperiodic
rateaccount, rates
mayvary.
YoumaypayofyourAmount
balance
atanylimewithout
penalty.
if allofthecriteria
above
aremetandyouarestilldissatisfied
withthe Sendallinquiries
to:CUSTOMER
contact
purchase, usin writing
at:Comemly
Capital
BankPOBox182620' Ohio PCBox183003.
SERVICE, Columbus,
Ohio43218·2620.
Columbus, 43218-3003
While.
weinvestigate, Send
allbankruptcyandrelated
notices correspondence
toComenity
thesame
rulesapply
tothedisputed
amount
as Capital POBox183043,
above.
discussed Afterwetinishourinvestigation,
wewilltellyouour Bank, Department,
Bankmptcy Ohio
Columbus,
Atthatpoint,ifwethinkyouoweanarrounI
decision. 43218-3043
andyoudonotpay
wemayreport
youasdelinquent. NOTICE
ABOUT
ELECTRONIC
CHECK
CONVERSION.
Whenyouprovide
a
PAYING
INTEREST.
Your
duedateisatleasI25days
aftertheclose check
aspayment,
ofeach check youauthorize
uscithertouseinformation
fromyour
cycle.
biHing Wewillnotcharge
youmiciest
onpurchases
11
youpayyour tomake
aone-time
clectronic
fundtransfer
fromyouraccount
orto
antirebalance
bytheduedateeachmonth.
Wewillbeginchargingprocess
thepayment
interest yemr asachecktransaction.
When
weuseinformation
trom
onbalance
transfers
andcashadvances
onthetransaction
date.Wewill check
tomake
anelectronic
tundtransfer,
lundsinaybewithdrawn
begintochargeonnewpurchases
mieresI madeunder
aI.owAPN,
Equal fromyouraccount
assoon
asthesame
daywereceive
yourpayment,
and
Payment
urBudget
Payment
Credil youwillnotreceive
PlanIromthedateofpurchase. yourcheckbackfromyourfinancial
institution,
BALANCE
COMPUTATION
METHOD.
Wecalculate
interest lor
separately
eachtypeofbalance a'DailyBalance'
onyouraccount
using todetermine
charges
interest forcachbillingperiod.
Weliguretheinterest
charge
on
youraccount ratetothe'dailybalance'
theperiodic
byapplying ofyour
foreachdayinthebillingcycle.Togetthe'dailybalance'
account wetake
thebeginning ofyour
balance account
cachday,addanynewpurchases,
leesandbalance
advances, andsubtract
transfers, anypayments
orcredits
anynetcreditbalance
(treating asaZero
balance).
Thisgivesusthedaily
balance.
PAYMENTS.
PayyourAccount
bythepayment
duedatebythetimelistedbelow.Ifwedonotreceive
yourpayment
inacorrect
format
(outlinedit
below)
maynotbecredited
toyourAccount
toruptofivedays, yourpayment
ormayberejectedAlso, mustreach
usbythepayment
cutotttimethatapplies
to
thepayment
method
youselect.
Thiscardisissued Capital
byComenity Bank toalicense
pursuant fromMastercard
Intemational
Incorporated.
Mastercard
isaregistered
trademark
ofMastercard
International
Incorporated.
Correct
Format.
Correct
tormat
torditterent
payment
methods
include:
orOmernight:
Mailing Send
apersonal
check, order,
money orcashier's
traveler's
check check inU.S.dollars,
payable tothename
andaddress
shown
on
thisStatemenI
inthepayment
stubareacontaining andminimum
yourbalance payment Besureloinclude
amount. yourpayment
stub,donotstaple
or
clipyourpayment
tothestub,include
youraccount
number
onyourcheck,
usetheenvelope withyourStatement,
provided sendonepayment
withone
payment
slut>
anddonotsend
anycorrespondence
withyourpayment. ovemight
Youshould apayment
1o6550
NorthLoop1604East,
Suite101,San
TX78247-5004
Antonio, andtheadditional
tormat
requirements
arethesame
asothermailed
payments
unless
thereisadispute,
inwhichcase
youfollow
thePayments
Marked
'PaidinFulFsection
above.
Donotsendcash PayByPhone:
Youcancallustollfreeat
orgiftcertificates. (My
H.f'sPerks or
Maslercard) (MyBJ'sPerks
Preview
FILED: HERKIMER COUNTY CLERK 12/24/2022 01:09 PM INDEX NO. EF2022-110041 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 12/24/2022 PAGE1OF4 Summa of account activi Pa ment inforrnation É Accountno. **"-""-""-1198 Newbalance $2,725.55 Minimumpaymentdue $582.00 Previousbalance $2,634.50 Paymentduedate 03/18/2021 Payments 0.00 Othercredits 0.00 Late payrnentwarning: Purchases 0.00 Ifwedonotreceiveyourminimumpaymentby 03/18/2021you may Otherdebits 0.00 .®to payupto a $40.00latefee . Cashadvance 0.00 Minimumpaymentwarning:if youmakeonlytheminimum Balancetransfer 0.00 paymentforeachperiod,youwill paymorein interestandit willtake Feescharged 40.00 you longerto payoffyourbalances.Forexample: interestcharged 51.05 Newbalance $2,725.55 If you makenoadditional Youwill payoffAndyou will chargesusingthiscardthebalanceshown end up payingan Pastdueamount 504.00 andeachmonthyoupay: estimatedtotal on thestatement Creditlimit $2,500.00 In about: 1of: Availablecredit $0.00 payment Onlytheminimum 12years S8791 Cashcreditlimit $0.00 Availablecash $0.00 regardingcreditcounselingservices, Forinformation Statement 02/20/2021 can closingdate Daysin billingcycle 28 Skipsigningin to payanduseComenity'sEasyPay. cameraor code It's safeandconvenient.Useyoursmartphone readerto scantheQRcodeprintedonyourpaymentstubbelowto getstarted. .. Details of odretransactions ..TRANS E TRAS C ION ESCRIPTI/ OCTI UN Fees 02/18/2021 LATEFEE 40.00 Totalfeeschargedfor this period $40.00 ..,......................................................................................................................,................................................................................ Interest charged Interestchargeon purchases $51.05 Interestchargeon cashadvance $0.00 Interestchargeon balancetransfer $0.00 Total interestfor this period $51.05 2021totals yearto date Totalfeeschargedin 2021 $80.00 Totalinterestchargedin2021 $105.68 interest char e calculation YourAnnualPercentageRate(APR)is theannualinterestrateonyouraccountSeeBALANCECOMPUTATION METHOD onpage2 for moredetails.Minimuminterestchargemayexceedinterestchargebelow,peryourcreditcardagreement TYPEOF BALANCE SUBJECT INTEREST BALANCE APR TOINTEREST AATE cHARGE Purchases 24.9900%(v) 2,663.28 51.05 Cashadvances 26.9900%(v) 0.00 0.00 -..---. IcE e esses einy a nonnat on. _- - . ..- - -.............................NP Please tearatperforation above Account number ****-****-**"-1198 Newbalance Minimum payment * $2,725.55 $582.00 994 mustreachus by6pmET Mailedpayments Yes,I havemovedorupdatedmy Amount on03/18/2021, - Seereverse. e-mailaddreSS enclosed: $ Pleasemakecheckpayableto: COMENITY- My BJ'sPerksMastercard 1111111111111 lilell¹lil'IllilII"III @ riderlriluhi LYUBOVCLEMENT Pleaseretumthisportionalongwithyourpaymentto: 3337SOUTHSIDERD PO BOX 659834 FRANKFORT NY13340-5018 SAN ANTONIO TX 78265-9134 FILED: HERKIMER COUNTY CLERK 12/24/2022 01:09 PM INDEX NO. EF2022-110041 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 12/24/2022 thisportion Keep foryourrecords. CREDIT REPORTING. Wemayreport information youraccount about to What ToDoIf YouThinkYouFindAAfistake OnYour Statement creditbureaus. Latepayments, missed orotherdetaults paymenis, onyour Ifyouthinkthereisanerroronyourstatement, account writetousat:Comenity mayW decM inyour cd re¾ Capital BankPOBox182620, Ohio43218-2620. Columbus, NOTICE OFCREDIT REPORT DISPUTES Ifyoutmlieve theaccount . InyourIctter,giveusthetollowing information: information wereported toaconsumer reportingisinaccurate, agency you " Account mtormation: Your name andaccount number. s mayubmit adirect dispute to Capital Comenity Bank POBox182t20, " Donar amounk Thedollaramount ofthesuspected Ohio43218-2120. Columbus, Your written dispute mustprovide sufficient error- information toidentity theaccount andspecify whytheinformalion is " Description ofProblcm: Ifyouthinkthereisanerroronyourbill, inaccurate: describe whatyoubelieve iswrong andwhyyoubelieve " Account it isamistake. Yourname Information: andaccount number Youmustcontact uswithin60days aftertheerrorappeared " Contact Your Information: address number andtelephone onyour " Disputed statement. Information:theaccount Identify information disputed and explain whyyoubelieve it isinaccurate Youmustnotifyusofanypotential errors inwriting. Youmaycallus.butif " Supporting If available, Documentation: provide ofthesection acopy of youdowearenotrequned toinvestigate anypotential errors andyoumay thecreditreport theaccount inforrnation youaredisputing havetopaytheamount inquestion. showing While . ornottherehasbeen weinvestigate whelber . Wewillinvestigate the disputed information and theresults report toyou anerror, thefollowme ofreceipt within30days oftheinformation forourinvestigation. needed If aretrue: wefindthattheaccount " Wecannot trytocollect inquestion. theamount orreport youas information wereported isinaccurate, wewill dehnquent onthatamount· provide promptly thenecessary toeachconsumer correction reporling " Thecharge inquestion agency wereported towhich theinformation. mayremain onyourstatement. andwemay locharge continue youinterest onthatamount. PAYMENTS But,it wedetermine that MARKED INFULL*. 'PAID Allwritten communications a wemademistake, youwillnothave topaytheamount inquestion or disputed regarding that amounts include orotherpayment anycheck anyinterest orotherfeesrelated tothatamount. mstrument marked "payment infulForsimilarmustbesentto: language, " While youdonothave topaytheamount inquestion, North 6550 L youareresponsibleDONOT1 oop604 Suite East, S 101,an IX7824/-5004. Antonio, fortheremainder olyourbalance. USEIHEENCI.0SED REMilTANCE ENVELOPE. . Wemayaccept payment senttoanyotheraddress without anyof losing " Wecanapply anyunpaid amount against yourcreditlimit· ourrights. Your It You Rights AreDissatisfied WithYour - Nopayment shalloperate asanaccord andsatisfaction without prior Credit Card Purchases approval. written Ityouaredissalistied wilhthegoods orservices thalyouhave purchased . withyourcreditcard.andyouhave CUSTOMER triedingoodfaithtocorrect the SERVICE. Visitcomemty.net/bjs orcall (My withthemerchant, problem youmayhave BJ's Perks or Mastercard) therighInottopaytheremainingMastercard) (MyIlJsPerks World dueonIhepurchase. amounI (FDD/1IY ), Tousethisright,allofthefollowing mustbetrue: TELEPHONE MONITORING. Foprovide phone youwithhigh-quality servi<:c, commumcation withusisnonitored and/or recorded. 1.Thepurchase musthave been madeinyourhome slateorwithin100 milesofyourcmrent mailing andthepurchase address, ADDITIONAL pricemusthave INFORMATION. lhetollowing when designahons, appearing beenmore than$50.(Note: Neither ofthese it yourpurchase °ª.thefrontofyourstatement, isnecessaiy meanthefollowing: Vmeans vanable rate wasbased onanadvertisement wemailed WVINIPAY toyou,orif weownthecompany Esratemayvaryh NE HQmeans WAlvE PAYMEN1 INIERESI, lhatsoldyouIhegoods orservices.) WAE ES A A M 2.You musthave used yourcreditcardlorthepurchase. Purchases made means DEFER PAYMENT INTEREST, DEFINfEQPYmeans HEQUIRED: withcashadvances fromanATM orwithacheck thataccesses DEFF.R yourcredit EQUAI. INIENEST, DFtNILOW PAYMENI: DEFER PMImeans cardaccount donotquality. LOW INTEREST. PAYMENT andLOWAPR EQPAY LOW means EQUAL APR, 3.Youmustnotyethave fullypaidlorthepurchase. PAYMENT. Ifyouhave avariable yourperiodic rateaccount, rates mayvary. YoumaypayofyourAmount balance atanylimewithout penalty. if allofthecriteria above aremetandyouarestilldissatisfied withthe Sendallinquiries to:CUSTOMER contact purchase, usin writing at:Comemly Capital BankPOBox182620' Ohio PCBox183003. SERVICE, Columbus, Ohio43218·2620. Columbus, 43218-3003 While. weinvestigate, Send allbankruptcyandrelated notices correspondence toComenity thesame rulesapply tothedisputed amount as Capital POBox183043, above. discussed Afterwetinishourinvestigation, wewilltellyouour Bank, Department, Bankmptcy Ohio Columbus, Atthatpoint,ifwethinkyouoweanarrounI decision. 43218-3043 andyoudonotpay wemayreport youasdelinquent. NOTICE ABOUT ELECTRONIC CHECK CONVERSION. Whenyouprovide a PAYING INTEREST. Your duedateisatleasI25days aftertheclose check aspayment, ofeach check youauthorize uscithertouseinformation fromyour cycle. biHing Wewillnotcharge youmiciest onpurchases 11 youpayyour tomake aone-time clectronic fundtransfer fromyouraccount orto antirebalance bytheduedateeachmonth. Wewillbeginchargingprocess thepayment interest yemr asachecktransaction. When weuseinformation trom onbalance transfers andcashadvances onthetransaction date.Wewill check tomake anelectronic tundtransfer, lundsinaybewithdrawn begintochargeonnewpurchases mieresI madeunder aI.owAPN, Equal fromyouraccount assoon asthesame daywereceive yourpayment, and Payment urBudget Payment Credil youwillnotreceive PlanIromthedateofpurchase. yourcheckbackfromyourfinancial institution, BALANCE COMPUTATION METHOD. Wecalculate interest lor separately eachtypeofbalance a'DailyBalance' onyouraccount using todetermine charges interest forcachbillingperiod. Weliguretheinterest charge on youraccount ratetothe'dailybalance' theperiodic byapplying ofyour foreachdayinthebillingcycle.Togetthe'dailybalance' account wetake thebeginning ofyour balance account cachday,addanynewpurchases, leesandbalance advances, andsubtract transfers, anypayments orcredits anynetcreditbalance (treating asaZero balance). Thisgivesusthedaily balance. PAYMENTS. PayyourAccount bythepayment duedatebythetimelistedbelow.Ifwedonotreceive yourpayment inacorrect format (outlinedit below) maynotbecredited toyourAccount toruptofivedays, yourpayment ormayberejectedAlso, mustreach usbythepayment cutotttimethatapplies to thepayment method youselect. Thiscardisissued Capital byComenity Bank toalicense pursuant fromMastercard Intemational Incorporated. Mastercard isaregistered trademark ofMastercard International Incorporated. Correct Format. Correct tormat torditterent payment methods include: orOmernight: Mailing Send apersonal check, order, money orcashier's traveler's check check inU.S.dollars, payable tothename andaddress shown on thisStatemenI inthepayment stubareacontaining andminimum yourbalance payment Besureloinclude amount. yourpayment stub,donotstaple or clipyourpayment tothestub,include youraccount number onyourcheck, usetheenvelope withyourStatement, provided sendonepayment withone payment slut> anddonotsend anycorrespondence withyourpayment. ovemight Youshould apayment 1o6550 NorthLoop1604East, Suite101,San TX78247-5004 Antonio, andtheadditional tormat requirements arethesame asothermailed payments unless thereisadispute, inwhichcase youfollow thePayments Marked 'PaidinFulFsection above. Donotsendcash PayByPhone: Youcancallustollfreeat orgiftcertificates. (My H.f'sPerks or Maslercard) (MyBJ'sPerks