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Understanding Your Statement

Your billing statement is designed to provide you with clear, concise and easy-to-understand information about your account. You'll find all your essential account information in one simple summary, along with payment information to help with your budgeting. 

Use your cursor and click the # pound icons to learn more about each feature of the billing statement.
 

This is a sample billing statement which contains generalized names and descriptions of statement sections and is solely for informational purposes. It is not necessarily representative of any current active billing statements for Comenity consumers, and is subject to change without notice. The information is not intended to provide legal, investment, or financial advice or to indicate the availability or suitability of any product, service or strategy to your unique circumstances.

Brand message or coupon area

The brand may use this section for rewards information, special promotions, or other messages.

Summary of account activity

Account no. ****-****-****-9999

 

Previous balance $XXX.XX
Payments 0.00
Other credits 0.00
Purchases 0.00
Other debits 0.00
Fees charged 0.00
Interest charged 0.00

New balance $XXX.XX
Past due amount 000.00
Credit limit 000.00
Available credit 000.00
Statement closing date MM/DD/YYYY
Days in billing cycle 31

 

Payment Information

New balance $XXX.XX
Minimum payment due $XXX.XX
Payment due date MM/DD/YYY

 

Late payment warning: If we do not receive your minimum payment by MM/DD/YYYY you may have to pay $X.XX late fee.


Minimum payment warning: If you make only the minimum payment for each period, you will pay more in interest and it will take you longer to pay off your balance. For example: 

If you make no additional charges using this card and each month you pay: You will pay off the balance shown on the statement in about: And you will end up paying an estimated total of:
Only the minimum payment X years $X,XXX

 

For information regarding credit counseling services, call 1-800-284-1706.

 

 

Promotional payment plan message

*For promotional payment plan statements only*

To avoid or minimize interest charges, be sure to pay promotional plan balances in full on or before the expiration date(s).

Account questions? Need to make a payment? Want to know how to go paperless? Visit comenity.net/XXX or call 1-866-XXX-XXXX (TDD/TTY 1-800-XXX-XXXX). Want to stay in the know with credit tips and news? Visit us at facebook.com/comenity or at twitter.com/askcomenity.

Account information and rewards

Current total points: XXX
As of MM/DD/YYY you are X points away from your next Reward!
Purchased made with deferred billing will not appear on your statement until 90 days after your purchase date. Questions? Visit comenity.com

 

Details of your transactions

TRANS DATE TRANSACTION DESCRIPTION/LOCATION AMOUNT
MM/DD/YYYY PAYMENT THANK YOU -$X,XXX.XX
MM/DD/YYYY PURCHASE $XXX.XX
MM/DD/YYYY RETURN— COLUMBUS, OH -$XXX.XX



Fees Total fees charged for this period $X.XX



Interest charged   $X.XX
  Interest charged on purchase $XX.XX
  Total interest for this period $XX.XX

 

Totals year to date
Total fees charged
Total interest charged
$XX.XX
$XX.XX

 

Interest charge calculation

Your Annual Percentage Rate (APR) is the annual interest rate on your account.

TYPE OF BALANCE APR BALANCE SUBJECT TO INTEREST RATE INTEREST CHARGE
Purchases to MM/DD/YYYY XX.XX% $XX.XX $XX.XX

 

Details of your plan
*For promotional payment plan statements only*

999-9999-9999-9999 You must pay your plan balance of $XXX.XX in full by MM/DD/YYYY to avoid paying interest charges.

ORIGINAL PURCHASE AMOUNT
$XXX.XX
ORIGINAL PURCHASE DATE
MM/DD/YYYY
PLAN EXPIRES
MM/DD/YYYY
PREVIOUS PLAN BALANCE
$XXX.XX
PURCHASES & CHARGES
$XX.XX
PAYMENTS & CREDITS
$XX.XX
NEW PLAN BALANCE
$XXX.XX
ACCRUED INTEREST THIS PERIOD
$XXX.XX
TOTAL ACCRUED INTEREST
$XXX.XX

 

Additional important messages

Did you know that you can make your payment quickly and easily right over the phone?
To pay by phone using your checking account, please call the customer service number on your statement.

Did you know that you are entitled to one free credit report per year? Stay on top of your credit score.
Call 1-877-322-8228, or visit www.annualcreditreport.com to request your report.

Payment must reach
us by 5 p.m. CT on
MM/DD/YYYY.

New balance $XXX.XX
Minimum payment $XXX.XX
Yes I have moved or updated my
email address — see reverse.
Write your email address here.
Please make check payable to: BANK

Cardholder Name
123 Anywhere Circle
Columbus OH 12345-2010
XXXXXXXXXXXXXXXX
XXXXXXXXXXXXXXXX

Amount enclosed:

Please return this portion along with your payment to:
PO BOX XXXXX
SAN ANTONIO TX XXXXX-XXXX

99999999 999999999 999999999999999999 999999999 999999999