Citi® Double Cash Card

JOSEPH D COSTANTINO www.citicards.com

Member Since 2003 Account number ending in: 6456 Customer Service 1-855-473-4583
Billing Period: 11/12/22-12/13/22 TTY:711
BOX 6500 SIOUX FALLS, SD 57117

DECEMBER STATEMENT Your next AutoPay payment of $35.00 will

be deducted from your bank account on
Minimum payment due: $35.00
01/09/2023. Please note that the next
New balance as of 12/13/22: $562.47
AutoPay payment may be reduced if you have
Payment due date: 01/09/23
See the last page of this statement for important information about how to avoid made additional payments or received any
paying interest on purchases. credits during the current billing cycle.
Account Summary
Previous balance $589.23
Late Payment Warning: If we do not receive your minimum payment by the date
Payments -$35.00
listed above, you may have to pay a late fee of up to $41 and your APRs may be
Credits -$0.00
increased up to the Penalty APR of 29.99%.
Purchases +$0.00
Minimum Payment Warning: If you make only the minimum payment each Cash advances +$0.00
period, you will pay more in interest and it will take you longer to pay off Fees +$0.00
your balance. For example: Interest +$8.24
If you make no additional You will pay off the And you will end up New balance $562.47
charges using this card balance shown on the paying an estimated
and each month you pay... statement in about... total of...
Credit Limit
Only the minimum payment 19 month(s) $636 Credit limit $2,570
Includes $2,000 cash advance limit
For information about credit counseling services, call 1-877-337-8187.
Available credit $2,007
Includes $2,000 available for cash advances

Total Available
ThankYou ® Points: 0
as of 11/30/22

» See page 2 for more information

about your rewards

For Payments, send check to: CITI CARDS, PO Box 70166, Philadelphia PA, 19176-0166

Pay your bill from virtually anywhere Minimum payment due $35.00
P.O. Box 6004 with the Citi Mobile® App and Citi® Online
Sioux Falls, SD 57117-6004
New balance $562.47
To download:
Text 'App15' to MyCiti (692484) Payment due date 01/09/23
Your Monthly Statement
or go to your device's app store.
is Enclosed Or visit www.citicards.com Amount enclosed: $

Account number ending in 6456

Please make check payable to CITI CARDS.

CITI CARDS
JOSEPH D COSTANTINO
PO Box 70166
1 WILLOW GLEN CIR
Philadelphia PA 19176-0166
APT 91
WARWICK RI 02889-8353
www.citicards.com Customer Service 1-855-473-4583 Page 2 of 2
TTY:711
JOSEPH D COSTANTINO

Account Summary
Trans. Post
date date Description Amount
Member ID: N/A
Payments, Credits and Adjustments
Total ThankYou Points Balance:
12/09 AUTOPAY 999990000033555RAUTOPAY -$35.00
AUTO-PMT
0
Fees charged
ThankYou Points from Citi Double Cash Card
Date Description Amount Purchases: 0
12/13 MEMBERSHIP FEE DEC 22-NOV 23 $0.00 Payments: 0
Total fees charged in this billing period $0.00 Total Earned this Period: 0
» Visit thankyou.com to redeem points
or see full rewards details
Interest charged Bonus Points may take one to two billing
Date Description Amount cycles to appear on your statement. Please
refer to the specific terms and conditions
12/13 INTEREST CHARGED TO PUR PR-00/00/00. $8.24 pertaining to the promotion for further details.
Total interest charged in this billing period $8.24

2022 totals year-to-date

Total fees charged in 2022 $0.00
TWO WAYS TO EARN!
Total interest charged in 2022 $99.91
Earnings This Billing Period
ThankYou Points on Purchases
Interest charge calculation Days in billing cycle: 32
1 point per $1
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Eligible Purchases: $0.00
Annual percentage Balance subject ThankYou Points Earned: 0
Balance type rate (APR) to interest rate Interest charge
ThankYou Points on Payments
PURCHASES
1 point per $1
Standard Purch 17.74% (V) $0.00 (D) $0.00 Eligible Payments: $0.00
Pur Pr 120221 15.99% (V) $587.78 (D) $8.24 ThankYou Points Earned: 0
ADVANCES
Standard Adv 21.99% (V) $0.00 (D) $0.00 PURCHASE TRACKER AND HOW
POINTS FOR PAYMENTS WORKS
Your Annual Percentage Rate (APR) is the annual interest rate on your account. APRs followed by
(V) may vary. Balances followed by (D) are determined by the daily balance method (including 1. Total Payments Made: $35.00
current transactions). Note: payments are eligible to earn up to the
amount in your Purchase Tracker
Account messages 2. Purchase Tracker: $0.00
© 2022 Citibank, N.A. 3. Eligible Payments: $0.00
Citi, Citi and Arc Design and other marks used herein are service marks of
Citigroup Inc. or its affiliates, used and registered throughout the world. 4. ThankYou Points on
Eligible Payments: 0
Important Information If you have questions about marketing communications,
5. Ending Purchase Tracker: $0.00
please visit www.citi.com/offersforyou or call the number on the back of your
card. (TTY: We accept 711 or other Relay Service.) Purchase Tracker - When you make a purchase,
that amount goes into your Purchase Tracker.
Update or confirm your account information today Help us evaluate your Balance transfers, cash advances, fees and
account for future credit limit increases by providing or confirming your most interest are not included. Make a payment and the
recent income and housing information. Securely log in to your account at Purchase Tracker gets reduced by that amount.
citi.com/updateincome , or call us toll-free at 1-855-209-8556 TTY: Use 711 or When the Purchase Tracker reaches $0, you won’t
other Relay Service earn points for payments until more purchases
are made.

IT’S EASY TO REDEEM

Redeem at thankyou.com, on the

Citi Mobile® App or at citicards.com.
Redemption values vary depending on how you
choose to redeem your points.
About Interest Charges Your Rights if You Are Dissatisfied With Your Credit Card Purchases.
How We Calculate Interest. We calculate it separately for each balance shown If you are dissatisfied with the goods or services that you have purchased with your
in the Interest Charge Calculation table. We use the daily balance method credit card, and you have tried in good faith to correct the problem with the merchant,
(including current transactions) if the Balance Subject to Interest Rate is you may have the right not to pay the remaining amount due on the purchase.
followed by (D). We figure the interest charge by multiplying the daily balance by To use this right, all of the following must be true:
its daily periodic rate each day in the billing period. To get a daily balance, we 1. The purchase must have been made in your home state or within 100 miles of
take the balance at the end of the previous day, add the interest on the previous your current mailing address, and the purchase price must have been more
day’s balance and new charges, subtract new credits or payments, and make than $50. (Note: Neither of these is necessary if your purchase was based on
adjustments. The Balance Subject to Interest Rate is the average of the daily an advertisement we mailed to you, or if we own the company that sold you
balances. We use the average daily balance method (including current the goods or services.)
transactions) if the Balance Subject to Interest Rate is followed by (A). To get an 2. You must have used your credit card for the purchase. Purchases made with
average daily balance, we take the balance at the end of the previous day, add cash advances from an ATM or with a check that accesses your credit card
new charges, subtract new credits or payments, and make adjustments. We add account do not qualify.
all the daily balances and divide by the number of days in the billing period. 3. You must not yet have fully paid for the purchase.
We figure the interest charge by multiplying the average daily balance by the
If all of the criteria above are met and you are still dissatisfied with the
monthly periodic rate, or by the daily periodic rate and by the number of days
purchase, contact us online or in writing at the Customer Service address shown
in the billing period, as applicable.
on front of statement.
How to Avoid Paying Interest on Purchases. Your due date is at least 23 days
While we investigate, the same rules apply to the disputed amount as discussed
after the close of each billing cycle. We will not charge you interest on purchases
above. After we finish our investigation, we will tell you our decision. At that point, if
if you pay your monthly Citi Flex Plan Payment Amount plus your entire balance,
we think you owe an amount and you do not pay, we may report you as delinquent.
excluding any Citi Flex Plan balances, by the due date each month. If you do not
pay your monthly Citi Flex Plan Payment plus your entire balance, excluding any
Citi Flex Plan balances, by the due date each month, you will pay interest on your Other Account and Payment Information
purchases from the date they’re posted to your account. We will begin charging When Your Payment Will Be Credited. If we receive your payment in proper
interest on cash advances, balance transfers, and Citi Flex Loans on the form at our processing facility by 5 p.m. local time there, it will be credited as of
transaction date. We will begin charging interest on a Citi Flex Pay balance that day. A payment received there in proper form after that time will be credited
subject to an APR at the start of the billing cycle following the billing cycle during as of the next day. Allow 5 to 7 days for payments by regular mail to reach us.
which you created the Citi Flex Pay. There may be a delay of up to 5 days in crediting a payment we receive that is not
in proper form or not sent to the correct address. The correct address for regular
Your Rights mail is the address on the front of the payment coupon. The correct address for
What To Do If You Find A Mistake On Your Statement. courier or express mail is the Express Payments Address shown below.
If you think there is an error on your statement, write to us at the address for Proper Form. For a payment sent by mail or courier to be in proper form, you must:
billing inquiries and correspondence shown on the front of your statement. In • Enclose a valid check or money order. No cash or foreign currency please.
your letter, give us the following information: • Include your name and the last four digits of your account number.
• Account information: Your name and account number. How to Report a Lost or Stolen Card. Call the Customer Service number at the
• Dollar amount: The dollar amount of the suspected error. top of the page.
• Description of problem: If you think there is an error on your bill, describe what Balance Transfers. Balance Transfer amounts are included in the “Purchases”
you believe is wrong and why you believe it is a mistake. line in the Account Summary.
You must contact us within 60 days after the error appeared on your statement. Membership Fee. Some accounts are charged a membership fee. To avoid paying
You must notify us of any potential errors in writing. You may call us, but if you this fee, notify us that you are closing your account within 30 days of the mailing
do we are not required to investigate any potential errors and you may have to or delivery date of the statement on which the fee is billed.
pay the amount in question. Credit Reporting Disputes. We may report information about your account to
While we investigate whether or not there has been an error, the following are true: credit bureaus. If you think we’ve reported inaccurate information, please write
• We cannot try to collect the amount in question, or report you as delinquent on to us at Citi Brands Credit Bureau Disputes, PO Box 6241, Sioux Falls, SD 57117.
that amount.
Payment Amount
• The charge in question may remain on your statement, and we may continue
You may pay all or part of your account balance at any time. However, you must
to charge you interest on that amount. But, if we determine that we made a
pay, by the payment due date, at least the minimum payment due.
mistake, you will not have to pay the amount in question or any interest or
other fees related to that amount.
• While you do not have to pay the amount in question, you are responsible for
the remainder of your balance.
• We can apply any unpaid amount against your credit limit.

IBSCSR.2-0722

Payments other than by mail

Online. See the front of your statement on how to make a payment.
Phone. For phone payments, you authorize Citi to electronically debit your
specified bank account by an ACH transaction in the amount and on such date
that you indicate on the phone. You also authorize Citi to automatically debit your
specified bank account every month, in the amount and on the same date each
month that you indicate on the phone, until you withdraw your authorization.
You may cancel a one-time phone payment or withdraw your authorization for
automatic debits by calling the number on the front of your statement within the
timeframe disclosed to you on the phone.
AutoPay. Visit autopay.citicards.com to enroll in AutoPay and have your
payment amount automatically deducted each month on your payment date
from the payment account you choose.
Express mail. Send payment by express mail to:
Citi Cards
Attention: Bankcard Payments Department
6716 Grade Lane
Building 9, Suite 910
Louisville, KY 40213
Crediting Payments other than by Mail. The payment cutoff time for Online
Bill Payments, Phone Payments, and Express mail payments is midnight Eastern
time. This means that we will credit your account as of the calendar day, based
on Eastern time, that we receive your payment request.
If you send an eligible check, you authorize us to complete your payment by
electronic debit. If we do, the checking account will be debited in the amount
on the check. We may do this as soon as the day we receive the check. Also,
the check will be destroyed.