Preview
FILED: CLINTON COUNTY CLERK 11/01/2023 10:04 AM INDEX NO. 2023-00023499
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 11/01/2023
SUPREME COURT OF THE STATE OF NEW YORK
COUNTY OF CLINTON
INDEX NUMBER:
DISCOVER BANK 2023-00023499
PLAINTIFF, FILE NO. D171640
-AGAINST-
JEREMY W DAVIS AFFIDAVIT OF
FACTS
STATE OF ÒHIO )
ss:
COUNTY OF FRANKLIN)
Û1 CA. C\ Ô , being duly sworn, deposes and says that:
1. I, OC CL am a Litigation Support Coordinator for
DISCOVER BANK ("Plaintiff"), and I have access to Plaintiffs books and records
("Business Records"), including electronic records, relating to the account
("Account") of JEREMY W DAVIS ("Defendant"). The last four digits of the
Account number are 3702. In my position, I have personal knowledge of the
procedures for creating and maintaining Plaintiffs Business Records. Plaintiffs
Business Records were made in the regular course of business, and it was the
regular course of such business to make the Business Records. The records were
made at or near the time of the events recorded. Based on my review of Plaintiffs
Business Records, I have personal knowledge of the facts set forth in this affidavit.
2. Plaintiff and Defendant entered into a credit agreement ("Agreement"). Defendant
agreed to pay Plaintiff for all goods, services and cash advances provided pursuant
to the Agreement. The amount of the last payment made by Defendant was
$372.00, inade on July 21, 2022. Defendant is now in default and demand for
payment has been made. A true and correct copy of the Agreement or document(s)
evidencing the Agreement is attached as an exhibit to this affidavit.
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FILED: CLINTON COUNTY CLERK 11/01/2023 10:04 AM INDEX NO. 2023-00023499
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 11/01/2023
3. At this time, Defendant owes $10,713.80 on the Account. This amount includes a
charge-off balance of $10,713.80, post-charge-off interest of $0.00, post-charge-off
fees of $0.00, less any post-charge-off credits or payments made by or on behalf of
the Defendant of $0.00.
4. As set forth in New York CPLR Article 50, the interest rate applicable to the
Account pursuant to section five thousand four of this chapter applies.
Wherefore, deponent demands judgment against Defendant for $10,713.80, together
with the costs and disbursements of this action.
The above statements are true and correct to the best of my personal knowledge.
Date:
9
Affiant Signature
IcdcA0d
Affiant Name
The foregoing instrument was subscribed and sworn to before me this | day of
Notary Publ c
a PATRICKR SAYERS
NOTARYPUBUC - 0H10
MY COMMISSION EXPIRES
05-30-28
2 of 10
FILED: CLINTON COUNTY CLERK 11/01/2023 10:04 AM INDEX NO. 2023-00023499
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 11/01/2023
DISCOVERIT® CARDENDINGIN3702
CARDMEMBERSINCE 2013
Account 07/07/2022-08 06 2022 Payment Information
Summary
Previous Balance $9,593.28 New Balance Minimum Payment Payment Due Date
Payments and Credits -.$372.00
59,353.69 $188.00 09/02/2022
Purchases +$0.00
Balance Transfers +$0.00 I.ate Payment Warning: If we do not receive your minimum payment by the date
Cash Advances +$0.00 listed above, you may have to pay a late fee of up to $41.00.
Fees Charged +$0.00 Minimum Payment Warning: If you make only the minimum payment each period,
Interest Charged +$132.41 you will pay more in interest and it will take longer to pay off your balance. For
example:
New Balance: $9,353.69
See Interest Charge Calculationsection followingthe Fees and
Interest Charged section for detailed APR information enh mon th you pay statement in abaut... total oL
Credit Line $9,800
Credit Line Available $446 Only the minimum payment 27 years $26,505
Cash Advance Credit Line $2,500 $11,920
$331 3 years (Savings= $14,585)
Cash Advance Credit Line Available $446
If you would like information about credit counselingservices, call us at 1-800-347-1121.
FICO® Score 8 based on TransUnion® data:
|
AS OF 07/31/22
Updated
Monthly
See Key Factors that help explain your score
at Discover.com or visit our mobile app
New York Residents: For more information call us at 1-800-
347-2683. You may contact the New York State Department of
Financial Services at 1-800-342-3736 or visit www.dfsiny.gov for
free information on comparative credit card rates, fees and grace
periods.
Notice: Seereverse side for importantinformation
Payment Coupon ACCOUNTNUMBER ENDINGIN 3702
Detach at perforatiop above and return with check payable to
New Balance S9,353.69
Discover. Do not fold, clip, staple or send cash.
Minimum Payment Due S188.00
Payment Due Date 09/02/2022
JEREMY W DAVIS For a ster, easier Discover.com 1-800-347-2683
301 BEAR SWAMP RD way to pay- See reverse for payment cut off times.
PERU NY 12972-4908
PO BOX 70176
PHILADELPHIA PA 19176-0176
New address, email or phone? Please update on reverse.
3 of 10
FILED: CLINTON COUNTY CLERK 11/01/2023 10:04 AM INDEX NO. 2023-00023499
NYSCEF DOC.IT®NO.
DISCOVER CARDENDINGIN3702
7 RECEIVED NYSCEF: 11/01/2023 Page2 of 4
JEREMYW DAVIS OPENTOCLOSEDATE:07/07/2022 - 08/06/2022
Important Information Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar
amount"
See your CardmemberAgreement. Your CardmemberAgreement contains all the amount, or (iv) other dollar amount. If your scheduled "Other dollar
terms ofyour Account. payment is not enough to cover the Minimum Payment Due as listed on your monthly
billing statement, your scheduled payment for tharmonth will be increased to cover
Lost or Stolen Cards. Report immediately! Call 1-800-347-2683. the Minimum Payment Due. If the scheduled payment is greater than the Minimum
Payment Due, any excess will be applied in accordance with your Cardmember
What To Do lfYouThinkYou FindAMistake On Your Statement: If you think there is Agreement. If your scheduled payment is greater than the New Balanceon your billing
an error on your statement, write to us at Discover, POBox 30421, Salt Lake City, UT statement, that payment will be processed only for the amount of your NewBalance.
84130-0421, or submit the form provided at https://discover.com/billingerrornotice. Your automatic payment amount may be less than the amount indicated on the billing
You must contact us within 60 days after the error appeared on your statement. You statement based on credits or payments after the Close Date.
may call us, but if you do we are not required to investigate any potentialerrors, and
you may have to pay the amountin question. The Billing Rights Notice further If You enroll by phone in our automatic payment service, please fill-in the following
explains your rights. Pleasesee your CardmemberAgreement or visit blanks below and retain the authorization for your records.
https://discover.com/billingrights for a copy of this Notice.
Amount
Payments. You may pay all or part of your Account balance at any time. However, you Û Full Pay O Min Pay
must pay at least the Minimum PaymentDue by the Payment Due Date. Send only
OMin Pay+$ OOther Amount $
your allowable form of payment ( Payment ) and the bottom portion of this statement
n the envelope provided, after affixing postage. Payments sent without proper Bank Routing #
postage will be returned to the sender. Ifyou pay by check, you authorize us to use Bank Account #
information on your check to make an electronic fund transfer from your account at
Monthly on theOPayment Due Date, or O Day of the month (INSERTDATE)
the financialinstitution indicated on your check or to process the payment as a check
transaction. If a Payment is processed as an electronic fund transfer, the transfer will Credit Reporting. Credit Reporting. We may report information about your Account to
be for the amount of the check, funds may be with frawn from your account as soon credit bureaus. Late payments, missed payments, or other defaults on your Account
as the same day we receive your check, and you will not receive your check back.
may be reflected in your credit report. We normally report the status and payment
Pleasedonot send cash. Sending cash is not allowed, The processing of your history of your Account to credit reporting agencies each month. If you believe that
our report is inaccurate or incomplete, please write us at this address: Discover, PO
allowable form of Payment may be delayed if you send cash or correspondence with
Box 30939, Salt Lake City, UT84130-0939. Please include your name, address,
your Payments, if you send the Pa ment to any other address, or if you use an
home telephone number and Account number.
envelope other than the one provided. Payments received at our processing facility
by SPMlocal time on any day will be credited to your Account as of that day. PayingInterest. Your due date is at least 25 days after the close of each billing period
Payments received at our processing facility after SPMlocal time will be credited to (at least 23 days for billing periods that begin in February).Wewill begin charging
your Account as of the next day. If you have misplaced your envelope, send your interest on CashAdvances and BalanceTransfers as of the later ofthe Transaction
Payment to Discover, POBox 6103, Carol Stream, IL 60197-6103. Pleaseallow 7-10 Date or the first day of the billing period in which the transaction posted to your
days for delivery. If your Payment is returned unpaid, we reserve the nght to resubmit Account. If you pay the New Balanceon your current billing statement by the Payment
it as an electronic debit. Payments made onlme or by phone before Midnight Eastern Due Date shown on that billing statement, we will not impose interest charges on
Time on any day except your Statement Closing Date will be credited as of the same New Purchases. New Purchasesare Purchases that first appear on the next billing
day; on your Statement Closing Date, online and phone payments must be made statement. Interest will continue to accrue each day on purchases that appeared on
before 5:00 PM Eastern Time to be credited as of that day. previous billing statements until you pay the New Balance in full and will be billed in
You can also make a Paymentor set up automatic payments by calling1-800-347. the next billingcycle.
2683. Automatic payments for the billing period shown on your statement will be. HowWe Calculate Interest Charges. We Use the Daily Balance Method (including
deducted on the Payment Due Date shown on that statement, or the next automatic current transactions) to calculate the Balance Subject to Interest Rate.For more
payment date referred to on your statement, unless you request a recurnngpayment
information, please call us at 1-800-347-2683.
date that occurs before your Payment Due Date. In order to schedule monthly
payments by telephone, you will need this statement and your bank account BalanceSubject To Interest Rate.Your statement shows a BalanceSubject to Interest
information.You will be asked to provide the last four (4) digits of the social security Rate. It shows this for each transaction category. The Balance Subject to Interest Rate
number of the primary borrower as your electronic signature. By providing those is the average of the daily balances during the billing period.
numbers, you will be agreeingto this authorization to allow us and your bank to
deduct each payment you authorize, in the amount selected by you, from your bank Credit Balances. If your Account has a credit balance, the amountis shown on the
account. You also authorize us to initiate debit or credit entries to your bank account, front of your billing statement. A credit balance is money that is owed to you. You may
as applicable, to correct an error in the processing of such payment. You can cancel make charges against this amount if your Account is open. We will send you a refund
or modify a payment from your bank account until 5:00 PM EasternTime on the day of any remainingbalance of $1.00 or more after6 months, or as otherwise required
such payment is scheduled by calling 1-800-347-2683 or by mail at Discover, POBox by applicable law, or upon request made to the address in the Contact Us section on
30421, Salt Lake City, UT84130-0421. Same day online or phone payments from page 3 of your billing statement.
bank account made after 5:00 PM EasternTime may be modified before Midnight
. Eastern Time of that day. Paymentsfrom Cashback Bonus cannot be modified or BalanceTransfers. Balance Transfersare offered at our discretion and accrue interest
cancelled after being made or scheduled. at the standard purchase rate unless we tell you otherwise.
If your payments may vary in amount, we will tell you on each monthly billing Discover may.monitor and/or record telephone calls between you and Discover
statement when your payment will be made and how much it will be. You must ensure representatives for quality assurance purposes.
that sufficientfunds are availablein your bank account, and all transactions must . ..
Send inquiries to Discover, POBox 30943, Salt Lake City, UT84130
comply with U.Sclaw.
You can set up automatic payments for: (i) statement New Balance, (ii) statement The Discover® card is issued by Discover Bank, Member FDIC.
DIT23-27.0420
Change of Address
If correct on front, do not use.To make changes to your address, email or telephone number, please print clearly in blue or black ink, in the space provided br visit Discover.com.
StreetAddress HomePhone
Work Phone
City Email
State,Zip
4 of 10
FILED: CLINTON COUNTY CLERK 11/01/2023 10:04 AM INDEX NO. 2023-00023499
NYSCEF DOC. NO. 7 ONLINE PHONE PAYMENTS
RECEIVED NYSCEF: 11/01/2023
Page3 of 4
ptsCeygg
H -Discover.com or 1-800-347-2683 Discover DISCOVERIT® CARDENDINGIN3702
download our app TDD 1-800-347-7449 POBox 6103 OPENTOCLOSEDATE:07/07/2022 - 08/06/2022
Carol Stream
IL 60197-6103
Bonus®
TransactionS Cashback Rewards
TRANS. PREVIOUS BALANCE $4.59
DATE PAYMENTSAND CREDITS AMOUNT
EARNED THIS PERIOD +$0.00
07/21 PHONE PAYMENT - THANK YOU -$372.00
REDEEMED THIS PERIOD -$0.00
Bonus®
TOTAL FEES FOR THIS PERIOD $0.00 5% Cashback
JUL-SEP Activate at discover.com/5
INTERESTCHARGEDFORTHIS PERIOD AMOUNT
Restaurants and PayPat
INTERESTCHARGEON PURCHASES $132.41
INTERESTCHARGEON CASH ADVANCES $0.00 Earn up to $75 in 5% cash back each quarter. Plus
INTERESTCHARGEON BALANCETRANSFERS $0.00 earn 1% cash back on all other purchases.
TOTAL INTEREST FOR THIS PERIOD $132.41 For details, see Information For You section.
2022 TOTALSYEAR-TO-DATECHARGED AMOUNT
TOTALFEESCHARGEDIN 2022 $69.00
TOTALINTERESTCHARGEDIN 2022 $956.05
nterest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
CURRENTBILLING PERIOD: 31 DAYS
PROMO BALANCESUBJECT INTEREST
APR* EXPIRES**
TYPEOFBALANCE APR TO INTERESTRATE CHARGE
Purchases 16.49% V N/A $9,453.84 $132.41
Cash Advances 26.49% V N/A $0.00 $0.00
V = VARIABLERATE
* If your accountis
currently enrolledin a special program or is placed into one during the term of the offer, you will
receive the benefit of the lower rate white the special program is in effect. This includes, if applicable, any lower
rates as authorized under the ServicemembersCivil Relief Act.
** This isthe date your promotionalrate expires and the
remaining balance will be moved to your standard APR
disclosed when you accepted the offer. Pleasenote: Changing your payment due date may change your Promo APR .
Expiration Date.
*** Formore information, please catt us at 1-800-347-2683.
Information For You
FICO® Credit Score Terms
Your FICO®Credit Score, key factors, and other credit information use the FICO®Score 8 model. They are based on data from TransUnion® and may be different
from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders
who have an available score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on
statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO®Credit Scores, other credit
scores and more information in credit decisions. This benefit may change or end in the future, FICO is a registered trademark of Fair Isaac Corporation in the
United States and other countries.
If you prefer not to receive your FICO®Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request.
Discover Financial Services and Fair isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act.
repair" "rebuilding" "improving"
Discover Financial Services and Fair Isaac do not provide "credit services or assistance regarding or your credit record, credit
history or credit rating.
Availability of FICO® Credit Score
As an active cardmember, you may see your FICO® Credit Score on your monthly statement or online. Reasons why you may not see your FICO®Credit Score
include: if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover
or TransUnion®; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a
foreign address. Your FICO®Score is disclosed on statements when your statement is available. You may not receive a statement if you have no account activity
such as no purchase transactions, fees, interest, or payments for approximately 30 days.
Continued on next page
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FILED: CLINTON COUNTY CLERK 11/01/2023 10:04 AM INDEX NO. 2023-00023499
DISCOVERIT® CARDENDINGIN3702 Page4 of 4
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 11/01/2023
JEREMYW DAVIS OPENTOCLOSEDATE:07/07/2022 -08/06/2022
Information For You continued
Cashback Bonus® Rewards
Activate to earn 5% Cashback Bonus at Restaurants and PayPat from 7/1/22 (or the date on which you activate 5%, whichever is later) through 9/30/22, on up
to $1,500 in purchases. Restaurant purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, and
restaurant delivery services. PayPat eligible purchases are made through the PayPat wallet online, money transfers via PayPat using your card, and point-of-sale
transactions using PayPal Here. Payments made through Xoom transfer services are not eligible for 5%. Using PayPal on restaurant purchases will only earn a
total of 5%. PayPal and the PayPal logo are trademarks of PayPat or its Affiliates. Listed merchants are in no way sponsoring or affiliated with this program.
Purchases must be made with merchants in the U.S. To qualify for 5% the purchase transaction date must be before or on the last day of the offer or promotion.
For online purchases, the transaction date from the merchant may be the date when the item ships. Rewards are added to your account within two billing periods.
Even if a purchase appears to fit in a 5% category, the merchant may not have a merchant category code (MCC) in that category. Merchants and payment
processors are assigned an MCC based on their typical products and services. Discover Card does not assign MCCs to merchants. Certain third-party payment
accounts and digital wallet transactions may not earn 5% if the technology does not provide sufficient transaction details or a qualifying MCC. Learn more at
Discover.com/digitalwallets. See Cashback Bonus Program Terms and Conditions for more information.
6 of 10
FILED: CLINTON COUNTY CLERK 11/01/2023 10:04 AM INDEX NO. 2023-00023499
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 11/01/2023
DISCOVERIT® CARDENDINGIN3702
o CARDMEMBERSINCE 2013
Account o3 o7/2o23-o3/31/2023 Payment Information
Summary
Previous Balance $10,718.39 New Balance Minimum Payment Payment Due Date
Payments and Credits -$10,718.39
50.00 $1,905.41 04/26/2023
Purchases +$0.00
Balance Transfers +$0.00 Late Payment Warning: If we do not receive your minimum payment by the date
Cash Advances +$0.00 listed above, you may have to pay a late fee of up to $41.00.
Fees Charged +$0.00
Interesti Charged +$0.00
New Balance: $0.00
See Interest Charge Calculationsection followingthe Fees and
Interest Charged section for detailed APR information
Credit Line $9,800
Credit Line Available $0
Cash Advance Credit Line $2,500
Cash Advance Credit Line Available $0
Your FICO®Score is unavailable. Log in at Discover.com/FICO or
contact us at 1-800-347-2683 to learn more.
New York Residents: For more information call us at 1-800-
347-2683. You may contact the New York State Department of
Financial Services at 1-800-342-3736 or visit www,dfs.ny.gov for
free information on comparative credit card rates, fees and grace
periods.
Notice: See reverse side for important information
Payment Coupon ACCOUNTNUMBER ENDINGIN 3702
Detach at perforation above and return with check payable to
New Balance S0.00
Discover. Do not fold, clip, staple or send cash.
Minimum Payment Due $1,905.41
. Payment Due Date 04/26/2023
JEREMY W DAVIS For a faster, easier Discover.corn 1-800-347-2683
301 BEAR SWAMP RD way to pay... See reverse for payment cut off times.
PERU NY 12972-4908
PO BOX 6103
CAROL STREAM IL 60197-6103
New address, email or phone? Please update on reverse.
00000 00000000000000
7 of 10
FILED: CLINTON COUNTY CLERK 11/01/2023 10:04 AM INDEX NO. 2023-00023499
DOC.IT®NO.
DISCOVER
NYSCEF CARDENDING
7 IN3702 RECEIVED NYSCEF: 11/01/2023 Page2 of 4
JEREMYW DAVIS OPENTOCLOSEDATE:03/07/2023 -03/31/2023
Important Information Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar
amount"
Seeyour Cardmember Agreement. Your CardmemberAgreement contains all the amount, or (iv) other dollar amount. Ifyour scheduled "Other dollar
terms of your Account. payment is not enough to cover the Minimum Payment Due as listed on your monthly
billing statement, your scheduled payment for that month will be increased to cover
Lost orStolen Cards. Report immediately! Call 1-800-347-2683. the Minimum Payment Due. If the scheduled payment is greater than the Minimum
Payment Due, any excesswill be applied in accordance with your Cardmember
What To Do If You ThinkYou FindAMistake On Your Statement: if you think there is Agreement. If your scheduled payment is greater than the New Balanceon your billing
an error on your statement, write to us at Discover, POBox 30421, Salt Lake City, UT statement, that payment will be processed only for the amount of your NewBalance.
84130-0421, or submit the form provided at https://discover.com/billingerrornotice. Your automatic payment amount may be less than the amount indicated on the billing.
You must contact us within 60 days after the error appeared on your statement. You statement based on credits or payments after the Close Date.
may call us, but if you do we are not required to investigate any potentialerrors, and
you may have to pay the amount in question. The Billing Rights Notice further If you enroll by phone in our automatic payment service, please fill-in the following
explains your rights. Please see your CardmemberAgreement or visit blanks below and retain the authorization for your records.
https://discover.com/billingrights for a copy of this Notice.
Amount
Payments. You may pay all or part of your Account balance at any time. However, you OFull Pay O Min Pay
must pay at least the Minimum Payment Due by the Payment Due Date. Send only OMin Pay+$ OOther Amount $
your allowable form of payment ( Payment ) and the bottom portion of this statement
in the envelope provided, after affixing postage. Payments sent without proper Bank Routing #
postage will be returned to the sender. Ifyou pay by check, you authorize us to use Bank Account #
information on your check to make an electronic fund transfer from your account at Monthly on theOPayment Due Date, or O Day of the month (INSERTDATE)
the financialinstitution indicated on your check or to process the payment as a check
transaction. If a Payment is processed as an electronic fund transfer, the transfer will Credit Reporting. Credit Reporting. We may report information about your Account to
be for the amount of the check, funds may be withdrawn from your account as soon credit bureaus. Late payments, missed payments, or other defaults on your Account
as the same day we receive your check, and you will not receive your check back.
may be reflected in your credit report. We normally report the status and payment
Pleasedo not send cash. Sending cash is not allowed. The processing of your with. history of your Account to credit reporting agencies each month. Ifyou believe that
our report is inaccurate or mcomplete, please wnte us at this address: Discover, PO
allowable form of Payment may be delayed if you send cash or correspondence
Box 30939, Salt Lake City, UT84130-0939. Please mclude your name, address,
your Payments, if you send the Paymentto any other address, or if you use an
home telephone number and Account number.
envelope other than the one provided. Paymentsreceived at our processing facility
by 5PM local time on any day will be credited to your Account as of that day PayingInterest. Your due date is at least 25 days after the close of each billing period
Payments received at our processing facility after 5PM local time will be creclited to (at least 23 days for billing periods that begin in February).Wewill begin charging
your Account as of the next day. If you have misplaced your envelope, send your interest on Cash Advances and Balance Transfers as of the later of the Transaction
Paymentto Discover, PO Box 6103, Carol Stream, iL 60197-6103. Pleaseallow 7-10 Date or the first day of the billing period in which the transaction posted to your
days for delivery. If your Payment is returned unpaid, we reserve the nght to resubmit Account. If you pay the New Balanceon your current billing statement by the Payment
it as an electroruc debit. Payments made online or by phone before Midnight Eastern Due Date shown on that billing statement, we will not impose interest charges on
Time on any day except your Statement Closing Date will be credited as of the same New Purchases. New Purchasesare Purchases that first appear on the next billing
day; on your Statement Closmg Date, onlme and phone payments must be made statement. Interest will continue to accrue each day on purchases that appeared on
before 5:00 PM Eastern Time to be credited as of that day. previcus billing statements until you pay the New Balance in full and will be billed in
You can also make a Payment or set up automatic payments by calling1-800-347- the next billing cycle.
2683. Automatic payments for the billing period shown on your statement will be . How We Calculate Interest Charges. We Use the Daily Balance Method (including
deducted on the Payment Due Date shown on that statement, or the next automatic current transactions) to calculate the Balance Subject to interest Rate.For more
payment date referred to on your statement, unless you request a recurrmg payment
information, please call us at 1-800-347-2683.
date that occurs before your Payment DueDate. In order to schedule monthly
payments by telephone, you will need this statement and your bank account BalanceSubject To Interest Rate.Your statement shows a BalanceSubject to Interest
information.You will be asked to provide the last four (4) digits of the social security Rate. It shows this for each transaction category. The Balance Subject to Interest Rate
number of the primary borrower as your electronic signature. By providing those is the average of the daily balances during the billing period.
numbers, you will be agreeingto this authorization to allow us and your bank to
deduct each payment you authorize, in the amount selected by you, from your bank CreditBalances. If your Account has a credit balance, the amountis shown on the
account. You also authorize us to initiate debit or credit entries to your bank account, front of your billing statement. A credit balance is money that is owed to you, You may
as applicable, to correct an error in the processing of such payment. You can cancel make charges against this amount If your Account is open. We will send you a refund
o
Preview
FILED: CLINTON COUNTY CLERK 11/01/2023 10:04 AM INDEX NO. 2023-00023499 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 11/01/2023 SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF CLINTON INDEX NUMBER: DISCOVER BANK 2023-00023499 PLAINTIFF, FILE NO. D171640 -AGAINST- JEREMY W DAVIS AFFIDAVIT OF FACTS STATE OF ÒHIO ) ss: COUNTY OF FRANKLIN) Û1 CA. C\ Ô , being duly sworn, deposes and says that: 1. I, OC CL am a Litigation Support Coordinator for DISCOVER BANK ("Plaintiff"), and I have access to Plaintiffs books and records ("Business Records"), including electronic records, relating to the account ("Account") of JEREMY W DAVIS ("Defendant"). The last four digits of the Account number are 3702. In my position, I have personal knowledge of the procedures for creating and maintaining Plaintiffs Business Records. Plaintiffs Business Records were made in the regular course of business, and it was the regular course of such business to make the Business Records. The records were made at or near the time of the events recorded. Based on my review of Plaintiffs Business Records, I have personal knowledge of the facts set forth in this affidavit. 2. Plaintiff and Defendant entered into a credit agreement ("Agreement"). Defendant agreed to pay Plaintiff for all goods, services and cash advances provided pursuant to the Agreement. The amount of the last payment made by Defendant was $372.00, inade on July 21, 2022. Defendant is now in default and demand for payment has been made. A true and correct copy of the Agreement or document(s) evidencing the Agreement is attached as an exhibit to this affidavit. 1 of 10 FILED: CLINTON COUNTY CLERK 11/01/2023 10:04 AM INDEX NO. 2023-00023499 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 11/01/2023 3. At this time, Defendant owes $10,713.80 on the Account. This amount includes a charge-off balance of $10,713.80, post-charge-off interest of $0.00, post-charge-off fees of $0.00, less any post-charge-off credits or payments made by or on behalf of the Defendant of $0.00. 4. As set forth in New York CPLR Article 50, the interest rate applicable to the Account pursuant to section five thousand four of this chapter applies. Wherefore, deponent demands judgment against Defendant for $10,713.80, together with the costs and disbursements of this action. The above statements are true and correct to the best of my personal knowledge. Date: 9 Affiant Signature IcdcA0d Affiant Name The foregoing instrument was subscribed and sworn to before me this | day of Notary Publ c a PATRICKR SAYERS NOTARYPUBUC - 0H10 MY COMMISSION EXPIRES 05-30-28 2 of 10 FILED: CLINTON COUNTY CLERK 11/01/2023 10:04 AM INDEX NO. 2023-00023499 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 11/01/2023 DISCOVERIT® CARDENDINGIN3702 CARDMEMBERSINCE 2013 Account 07/07/2022-08 06 2022 Payment Information Summary Previous Balance $9,593.28 New Balance Minimum Payment Payment Due Date Payments and Credits -.$372.00 59,353.69 $188.00 09/02/2022 Purchases +$0.00 Balance Transfers +$0.00 I.ate Payment Warning: If we do not receive your minimum payment by the date Cash Advances +$0.00 listed above, you may have to pay a late fee of up to $41.00. Fees Charged +$0.00 Minimum Payment Warning: If you make only the minimum payment each period, Interest Charged +$132.41 you will pay more in interest and it will take longer to pay off your balance. For example: New Balance: $9,353.69 See Interest Charge Calculationsection followingthe Fees and Interest Charged section for detailed APR information enh mon th you pay statement in abaut... total oL Credit Line $9,800 Credit Line Available $446 Only the minimum payment 27 years $26,505 Cash Advance Credit Line $2,500 $11,920 $331 3 years (Savings= $14,585) Cash Advance Credit Line Available $446 If you would like information about credit counselingservices, call us at 1-800-347-1121. FICO® Score 8 based on TransUnion® data: | AS OF 07/31/22 Updated Monthly See Key Factors that help explain your score at Discover.com or visit our mobile app New York Residents: For more information call us at 1-800- 347-2683. You may contact the New York State Department of Financial Services at 1-800-342-3736 or visit www.dfsiny.gov for free information on comparative credit card rates, fees and grace periods. Notice: Seereverse side for importantinformation Payment Coupon ACCOUNTNUMBER ENDINGIN 3702 Detach at perforatiop above and return with check payable to New Balance S9,353.69 Discover. Do not fold, clip, staple or send cash. Minimum Payment Due S188.00 Payment Due Date 09/02/2022 JEREMY W DAVIS For a ster, easier Discover.com 1-800-347-2683 301 BEAR SWAMP RD way to pay- See reverse for payment cut off times. PERU NY 12972-4908 PO BOX 70176 PHILADELPHIA PA 19176-0176 New address, email or phone? Please update on reverse. 3 of 10 FILED: CLINTON COUNTY CLERK 11/01/2023 10:04 AM INDEX NO. 2023-00023499 NYSCEF DOC.IT®NO. DISCOVER CARDENDINGIN3702 7 RECEIVED NYSCEF: 11/01/2023 Page2 of 4 JEREMYW DAVIS OPENTOCLOSEDATE:07/07/2022 - 08/06/2022 Important Information Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount" See your CardmemberAgreement. Your CardmemberAgreement contains all the amount, or (iv) other dollar amount. If your scheduled "Other dollar terms ofyour Account. payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for tharmonth will be increased to cover Lost or Stolen Cards. Report immediately! Call 1-800-347-2683. the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember What To Do lfYouThinkYou FindAMistake On Your Statement: If you think there is Agreement. If your scheduled payment is greater than the New Balanceon your billing an error on your statement, write to us at Discover, POBox 30421, Salt Lake City, UT statement, that payment will be processed only for the amount of your NewBalance. 84130-0421, or submit the form provided at https://discover.com/billingerrornotice. Your automatic payment amount may be less than the amount indicated on the billing You must contact us within 60 days after the error appeared on your statement. You statement based on credits or payments after the Close Date. may call us, but if you do we are not required to investigate any potentialerrors, and you may have to pay the amountin question. The Billing Rights Notice further If You enroll by phone in our automatic payment service, please fill-in the following explains your rights. Pleasesee your CardmemberAgreement or visit blanks below and retain the authorization for your records. https://discover.com/billingrights for a copy of this Notice. Amount Payments. You may pay all or part of your Account balance at any time. However, you Û Full Pay O Min Pay must pay at least the Minimum PaymentDue by the Payment Due Date. Send only OMin Pay+$ OOther Amount $ your allowable form of payment ( Payment ) and the bottom portion of this statement n the envelope provided, after affixing postage. Payments sent without proper Bank Routing # postage will be returned to the sender. Ifyou pay by check, you authorize us to use Bank Account # information on your check to make an electronic fund transfer from your account at Monthly on theOPayment Due Date, or O Day of the month (INSERTDATE) the financialinstitution indicated on your check or to process the payment as a check transaction. If a Payment is processed as an electronic fund transfer, the transfer will Credit Reporting. Credit Reporting. We may report information about your Account to be for the amount of the check, funds may be with frawn from your account as soon credit bureaus. Late payments, missed payments, or other defaults on your Account as the same day we receive your check, and you will not receive your check back. may be reflected in your credit report. We normally report the status and payment Pleasedonot send cash. Sending cash is not allowed, The processing of your history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at this address: Discover, PO allowable form of Payment may be delayed if you send cash or correspondence with Box 30939, Salt Lake City, UT84130-0939. Please include your name, address, your Payments, if you send the Pa ment to any other address, or if you use an home telephone number and Account number. envelope other than the one provided. Payments received at our processing facility by SPMlocal time on any day will be credited to your Account as of that day. PayingInterest. Your due date is at least 25 days after the close of each billing period Payments received at our processing facility after SPMlocal time will be credited to (at least 23 days for billing periods that begin in February).Wewill begin charging your Account as of the next day. If you have misplaced your envelope, send your interest on CashAdvances and BalanceTransfers as of the later ofthe Transaction Payment to Discover, POBox 6103, Carol Stream, IL 60197-6103. Pleaseallow 7-10 Date or the first day of the billing period in which the transaction posted to your days for delivery. If your Payment is returned unpaid, we reserve the nght to resubmit Account. If you pay the New Balanceon your current billing statement by the Payment it as an electronic debit. Payments made onlme or by phone before Midnight Eastern Due Date shown on that billing statement, we will not impose interest charges on Time on any day except your Statement Closing Date will be credited as of the same New Purchases. New Purchasesare Purchases that first appear on the next billing day; on your Statement Closing Date, online and phone payments must be made statement. Interest will continue to accrue each day on purchases that appeared on before 5:00 PM Eastern Time to be credited as of that day. previous billing statements until you pay the New Balance in full and will be billed in You can also make a Paymentor set up automatic payments by calling1-800-347. the next billingcycle. 2683. Automatic payments for the billing period shown on your statement will be. HowWe Calculate Interest Charges. We Use the Daily Balance Method (including deducted on the Payment Due Date shown on that statement, or the next automatic current transactions) to calculate the Balance Subject to Interest Rate.For more payment date referred to on your statement, unless you request a recurnngpayment information, please call us at 1-800-347-2683. date that occurs before your Payment Due Date. In order to schedule monthly payments by telephone, you will need this statement and your bank account BalanceSubject To Interest Rate.Your statement shows a BalanceSubject to Interest information.You will be asked to provide the last four (4) digits of the social security Rate. It shows this for each transaction category. The Balance Subject to Interest Rate number of the primary borrower as your electronic signature. By providing those is the average of the daily balances during the billing period. numbers, you will be agreeingto this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank Credit Balances. If your Account has a credit balance, the amountis shown on the account. You also authorize us to initiate debit or credit entries to your bank account, front of your billing statement. A credit balance is money that is owed to you. You may as applicable, to correct an error in the processing of such payment. You can cancel make charges against this amount if your Account is open. We will send you a refund or modify a payment from your bank account until 5:00 PM EasternTime on the day of any remainingbalance of $1.00 or more after6 months, or as otherwise required such payment is scheduled by calling 1-800-347-2683 or by mail at Discover, POBox by applicable law, or upon request made to the address in the Contact Us section on 30421, Salt Lake City, UT84130-0421. Same day online or phone payments from page 3 of your billing statement. bank account made after 5:00 PM EasternTime may be modified before Midnight . Eastern Time of that day. Paymentsfrom Cashback Bonus cannot be modified or BalanceTransfers. Balance Transfersare offered at our discretion and accrue interest cancelled after being made or scheduled. at the standard purchase rate unless we tell you otherwise. If your payments may vary in amount, we will tell you on each monthly billing Discover may.monitor and/or record telephone calls between you and Discover statement when your payment will be made and how much it will be. You must ensure representatives for quality assurance purposes. that sufficientfunds are availablein your bank account, and all transactions must . .. Send inquiries to Discover, POBox 30943, Salt Lake City, UT84130 comply with U.Sclaw. You can set up automatic payments for: (i) statement New Balance, (ii) statement The Discover® card is issued by Discover Bank, Member FDIC. DIT23-27.0420 Change of Address If correct on front, do not use.To make changes to your address, email or telephone number, please print clearly in blue or black ink, in the space provided br visit Discover.com. StreetAddress HomePhone Work Phone City Email State,Zip 4 of 10 FILED: CLINTON COUNTY CLERK 11/01/2023 10:04 AM INDEX NO. 2023-00023499 NYSCEF DOC. NO. 7 ONLINE PHONE PAYMENTS RECEIVED NYSCEF: 11/01/2023 Page3 of 4 ptsCeygg H -Discover.com or 1-800-347-2683 Discover DISCOVERIT® CARDENDINGIN3702 download our app TDD 1-800-347-7449 POBox 6103 OPENTOCLOSEDATE:07/07/2022 - 08/06/2022 Carol Stream IL 60197-6103 Bonus® TransactionS Cashback Rewards TRANS. PREVIOUS BALANCE $4.59 DATE PAYMENTSAND CREDITS AMOUNT EARNED THIS PERIOD +$0.00 07/21 PHONE PAYMENT - THANK YOU -$372.00 REDEEMED THIS PERIOD -$0.00 Bonus® TOTAL FEES FOR THIS PERIOD $0.00 5% Cashback JUL-SEP Activate at discover.com/5 INTERESTCHARGEDFORTHIS PERIOD AMOUNT Restaurants and PayPat INTERESTCHARGEON PURCHASES $132.41 INTERESTCHARGEON CASH ADVANCES $0.00 Earn up to $75 in 5% cash back each quarter. Plus INTERESTCHARGEON BALANCETRANSFERS $0.00 earn 1% cash back on all other purchases. TOTAL INTEREST FOR THIS PERIOD $132.41 For details, see Information For You section. 2022 TOTALSYEAR-TO-DATECHARGED AMOUNT TOTALFEESCHARGEDIN 2022 $69.00 TOTALINTERESTCHARGEDIN 2022 $956.05 nterest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. CURRENTBILLING PERIOD: 31 DAYS PROMO BALANCESUBJECT INTEREST APR* EXPIRES** TYPEOFBALANCE APR TO INTERESTRATE CHARGE Purchases 16.49% V N/A $9,453.84 $132.41 Cash Advances 26.49% V N/A $0.00 $0.00 V = VARIABLERATE * If your accountis currently enrolledin a special program or is placed into one during the term of the offer, you will receive the benefit of the lower rate white the special program is in effect. This includes, if applicable, any lower rates as authorized under the ServicemembersCivil Relief Act. ** This isthe date your promotionalrate expires and the remaining balance will be moved to your standard APR disclosed when you accepted the offer. Pleasenote: Changing your payment due date may change your Promo APR . Expiration Date. *** Formore information, please catt us at 1-800-347-2683. Information For You FICO® Credit Score Terms Your FICO®Credit Score, key factors, and other credit information use the FICO®Score 8 model. They are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO®Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future, FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. If you prefer not to receive your FICO®Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. Discover Financial Services and Fair isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. repair" "rebuilding" "improving" Discover Financial Services and Fair Isaac do not provide "credit services or assistance regarding or your credit record, credit history or credit rating. Availability of FICO® Credit Score As an active cardmember, you may see your FICO® Credit Score on your monthly statement or online. Reasons why you may not see your FICO®Credit Score include: if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion®; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address. Your FICO®Score is disclosed on statements when your statement is available. You may not receive a statement if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. Continued on next page 5 of 10 FILED: CLINTON COUNTY CLERK 11/01/2023 10:04 AM INDEX NO. 2023-00023499 DISCOVERIT® CARDENDINGIN3702 Page4 of 4 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 11/01/2023 JEREMYW DAVIS OPENTOCLOSEDATE:07/07/2022 -08/06/2022 Information For You continued Cashback Bonus® Rewards Activate to earn 5% Cashback Bonus at Restaurants and PayPat from 7/1/22 (or the date on which you activate 5%, whichever is later) through 9/30/22, on up to $1,500 in purchases. Restaurant purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, and restaurant delivery services. PayPat eligible purchases are made through the PayPat wallet online, money transfers via PayPat using your card, and point-of-sale transactions using PayPal Here. Payments made through Xoom transfer services are not eligible for 5%. Using PayPal on restaurant purchases will only earn a total of 5%. PayPal and the PayPal logo are trademarks of PayPat or its Affiliates. Listed merchants are in no way sponsoring or affiliated with this program. Purchases must be made with merchants in the U.S. To qualify for 5% the purchase transaction date must be before or on the last day of the offer or promotion. For online purchases, the transaction date from the merchant may be the date when the item ships. Rewards are added to your account within two billing periods. Even if a purchase appears to fit in a 5% category, the merchant may not have a merchant category code (MCC) in that category. Merchants and payment processors are assigned an MCC based on their typical products and services. Discover Card does not assign MCCs to merchants. Certain third-party payment accounts and digital wallet transactions may not earn 5% if the technology does not provide sufficient transaction details or a qualifying MCC. Learn more at Discover.com/digitalwallets. See Cashback Bonus Program Terms and Conditions for more information. 6 of 10 FILED: CLINTON COUNTY CLERK 11/01/2023 10:04 AM INDEX NO. 2023-00023499 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 11/01/2023 DISCOVERIT® CARDENDINGIN3702 o CARDMEMBERSINCE 2013 Account o3 o7/2o23-o3/31/2023 Payment Information Summary Previous Balance $10,718.39 New Balance Minimum Payment Payment Due Date Payments and Credits -$10,718.39 50.00 $1,905.41 04/26/2023 Purchases +$0.00 Balance Transfers +$0.00 Late Payment Warning: If we do not receive your minimum payment by the date Cash Advances +$0.00 listed above, you may have to pay a late fee of up to $41.00. Fees Charged +$0.00 Interesti Charged +$0.00 New Balance: $0.00 See Interest Charge Calculationsection followingthe Fees and Interest Charged section for detailed APR information Credit Line $9,800 Credit Line Available $0 Cash Advance Credit Line $2,500 Cash Advance Credit Line Available $0 Your FICO®Score is unavailable. Log in at Discover.com/FICO or contact us at 1-800-347-2683 to learn more. New York Residents: For more information call us at 1-800- 347-2683. You may contact the New York State Department of Financial Services at 1-800-342-3736 or visit www,dfs.ny.gov for free information on comparative credit card rates, fees and grace periods. Notice: See reverse side for important information Payment Coupon ACCOUNTNUMBER ENDINGIN 3702 Detach at perforation above and return with check payable to New Balance S0.00 Discover. Do not fold, clip, staple or send cash. Minimum Payment Due $1,905.41 . Payment Due Date 04/26/2023 JEREMY W DAVIS For a faster, easier Discover.corn 1-800-347-2683 301 BEAR SWAMP RD way to pay... See reverse for payment cut off times. PERU NY 12972-4908 PO BOX 6103 CAROL STREAM IL 60197-6103 New address, email or phone? Please update on reverse. 00000 00000000000000 7 of 10 FILED: CLINTON COUNTY CLERK 11/01/2023 10:04 AM INDEX NO. 2023-00023499 DOC.IT®NO. DISCOVER NYSCEF CARDENDING 7 IN3702 RECEIVED NYSCEF: 11/01/2023 Page2 of 4 JEREMYW DAVIS OPENTOCLOSEDATE:03/07/2023 -03/31/2023 Important Information Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount" Seeyour Cardmember Agreement. Your CardmemberAgreement contains all the amount, or (iv) other dollar amount. Ifyour scheduled "Other dollar terms of your Account. payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover Lost orStolen Cards. Report immediately! Call 1-800-347-2683. the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excesswill be applied in accordance with your Cardmember What To Do If You ThinkYou FindAMistake On Your Statement: if you think there is Agreement. If your scheduled payment is greater than the New Balanceon your billing an error on your statement, write to us at Discover, POBox 30421, Salt Lake City, UT statement, that payment will be processed only for the amount of your NewBalance. 84130-0421, or submit the form provided at https://discover.com/billingerrornotice. Your automatic payment amount may be less than the amount indicated on the billing. You must contact us within 60 days after the error appeared on your statement. You statement based on credits or payments after the Close Date. may call us, but if you do we are not required to investigate any potentialerrors, and you may have to pay the amount in question. The Billing Rights Notice further If you enroll by phone in our automatic payment service, please fill-in the following explains your rights. Please see your CardmemberAgreement or visit blanks below and retain the authorization for your records. https://discover.com/billingrights for a copy of this Notice. Amount Payments. You may pay all or part of your Account balance at any time. However, you OFull Pay O Min Pay must pay at least the Minimum Payment Due by the Payment Due Date. Send only OMin Pay+$ OOther Amount $ your allowable form of payment ( Payment ) and the bottom portion of this statement in the envelope provided, after affixing postage. Payments sent without proper Bank Routing # postage will be returned to the sender. Ifyou pay by check, you authorize us to use Bank Account # information on your check to make an electronic fund transfer from your account at Monthly on theOPayment Due Date, or O Day of the month (INSERTDATE) the financialinstitution indicated on your check or to process the payment as a check transaction. If a Payment is processed as an electronic fund transfer, the transfer will Credit Reporting. Credit Reporting. We may report information about your Account to be for the amount of the check, funds may be withdrawn from your account as soon credit bureaus. Late payments, missed payments, or other defaults on your Account as the same day we receive your check, and you will not receive your check back. may be reflected in your credit report. We normally report the status and payment Pleasedo not send cash. Sending cash is not allowed. The processing of your with. history of your Account to credit reporting agencies each month. Ifyou believe that our report is inaccurate or mcomplete, please wnte us at this address: Discover, PO allowable form of Payment may be delayed if you send cash or correspondence Box 30939, Salt Lake City, UT84130-0939. Please mclude your name, address, your Payments, if you send the Paymentto any other address, or if you use an home telephone number and Account number. envelope other than the one provided. Paymentsreceived at our processing facility by 5PM local time on any day will be credited to your Account as of that day PayingInterest. Your due date is at least 25 days after the close of each billing period Payments received at our processing facility after 5PM local time will be creclited to (at least 23 days for billing periods that begin in February).Wewill begin charging your Account as of the next day. If you have misplaced your envelope, send your interest on Cash Advances and Balance Transfers as of the later of the Transaction Paymentto Discover, PO Box 6103, Carol Stream, iL 60197-6103. Pleaseallow 7-10 Date or the first day of the billing period in which the transaction posted to your days for delivery. If your Payment is returned unpaid, we reserve the nght to resubmit Account. If you pay the New Balanceon your current billing statement by the Payment it as an electroruc debit. Payments made online or by phone before Midnight Eastern Due Date shown on that billing statement, we will not impose interest charges on Time on any day except your Statement Closing Date will be credited as of the same New Purchases. New Purchasesare Purchases that first appear on the next billing day; on your Statement Closmg Date, onlme and phone payments must be made statement. Interest will continue to accrue each day on purchases that appeared on before 5:00 PM Eastern Time to be credited as of that day. previcus billing statements until you pay the New Balance in full and will be billed in You can also make a Payment or set up automatic payments by calling1-800-347- the next billing cycle. 2683. Automatic payments for the billing period shown on your statement will be . How We Calculate Interest Charges. We Use the Daily Balance Method (including deducted on the Payment Due Date shown on that statement, or the next automatic current transactions) to calculate the Balance Subject to interest Rate.For more payment date referred to on your statement, unless you request a recurrmg payment information, please call us at 1-800-347-2683. date that occurs before your Payment DueDate. In order to schedule monthly payments by telephone, you will need this statement and your bank account BalanceSubject To Interest Rate.Your statement shows a BalanceSubject to Interest information.You will be asked to provide the last four (4) digits of the social security Rate. It shows this for each transaction category. The Balance Subject to Interest Rate number of the primary borrower as your electronic signature. By providing those is the average of the daily balances during the billing period. numbers, you will be agreeingto this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank CreditBalances. If your Account has a credit balance, the amountis shown on the account. You also authorize us to initiate debit or credit entries to your bank account, front of your billing statement. A credit balance is money that is owed to you, You may as applicable, to correct an error in the processing of such payment. You can cancel make charges against this amount If your Account is open. We will send you a refund o