A Guide To Reading Your Statement

Wells Fargo Financial National Bank
A guide to reading your statement
The statement shown is general and for illustrative purposes only. Your actual statement may
look slightly different depending on your credit card product.
Billing Cycle
Reflects the dates your statement covers.
Need help?
We’re available to answer your call Monday – Friday,
8:00 a.m. – 6:00 p.m., Central Time, or you can get
answers on our website 24/7.
Summary of Account Activity
A summary of all your account activity during the
billing cycle, including any payments, purchases,
interest, and fees.
Payment Information
View your minimum payment due this month,
your due date, and the impact of paying only your
minimum payment each month.
Special Term(s) expiring
One or more No Interest if Paid in Full balance(s)
is about to expire.
Transaction Summary
View your purchases, other transaction activity, and
payments listed in order of transaction date. You’ll also
see a total for fees and interest charged for this billing
cycle as well as year-to-date.
Issued by Wells Fargo Financial National Bank
$0.00
Credit Limit
Available Credit
Statement Closing Date
Days in Billing Cycle
$0.00
$0.00
mm/dd/ccyy
31
If you make no
additional charges using
this card and each
month you pay…
You will pay off the
balance shown on
this statement in
about…
Only the minimum
payment
X years
$0.00
$0.00
3 years
$0.00
(Savings = $0.00)
And you will end
up paying an
estimated total
of…
For information about Credit Counseling and Debt Management
Services, please call 1-877-285-2108, or go online:
www.usdoj.gov/ust/eo/bapcpa/ccde/cc_approved.htm
To learn about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau at:
http://www.consumerfinance.gov/learnmore
Important Information
**SPECIAL TERMS EXPIRATION ALERT(S)**
To avoid paying Deferred Interest Charge(s), you must pay $000.00 by the Special Terms End Date. This amount includes the Minimum Payment Due, which
must be paid by mm/dd/ccyy to avoid a late fee.
Type of Balance
Special Terms
End Date
NO INT IF PD IN FULL W/PMT
Deferred
Interest Charge
Special Terms
Balance
$0.00
$0.00
mm/dd/ccyy
Transaction Summary
Reference Number
Trans Date
Post Date
Description of Transaction or Credit
200001485
48902229102
mm/dd/ccyy
mm/dd/ccyy
Merchant Name, City and State
$0.00
200001485
48903857201
mm/dd/ccyy
mm/dd/ccyy
Merchant Name, City and State
$0.00
mm/dd/ccyy
mm/dd/ccyy
LATE FEE
$0.00
TOTAL FEES FOR THIS PERIOD
$0.00
Special Terms End Date
The date that your special terms promotion ends.
5685
Annual Percentage Rate
The annual percentage rate used to calculate the
Interest Charge(s) for each type of balance.
Payment Information
New Balance
$0.00
Minimum Payment Due
$0.00
Payment Due Date
mm/dd/ccyy
Urgent! Special Term(s) expiring - see
Special Terms Expiration Alert(s)
Late Payment Warning: If we do not receive your minimum payment by
the Payment Due Date listed above, you may have to pay up to a $XX.XX
late fee.
Minimum Payment Warning: If you make only the minimum payment
each period, you will pay more in interest and it will take you longer to
pay off your balance. For example:
$0.00
-$0.00
-$0.00
+$0.00
+$0.00
+$0.00
New Balance
Fees
Interest Charge Calculation
Lists each type of balance (i.e., regular, special terms,
etc.) and applicable balance, and interest charge for
each type of balance.
Visit us at wellsfargo.com/cardholders
Customer Service: 1-800-459-8451
Monday-Friday, 8 a.m.-6 p.m. CT
24 Hour Automated Service
1
Summary of Account Activity
Previous Balance
Payments
Other Credits
Purchases/Debits
Fees Charged
Interest Charged
Special Terms Calculation
A message to remind you of your special terms
promotions that have expiration dates. If you do
not pay off your expiring No Interest if Paid in Full
balance(s) in full by the Specials Terms End Date(s),
deferred interest will be charged from the purchase
date and added to your balance.
Deferred Interest Charge
The amount of interest that has accrued in total from
the original purchase date for No Interest if Paid in
Full balances.
Account Number XXXX XXXX XXXX XXXX
Billing Cycle mm/dd/ccyy to mm/dd/ccyy
Amount
Interest Charged
mm/dd/ccyy
mm/dd/ccyy
INTEREST CHARGE ON PURCHASES
$0.00
TOTAL INTEREST FOR THIS PERIOD
$0.00
ccyy Totals Year-to-Date
Total fees charged in ccyy
Total interest charged in ccyy
$0.00
$0.00
To pay your bill and manage your account online, sign up for Wells Fargo Online® at wellsfargo.com/cardholders. If you use a bill payment service other than
Wells Fargo Online to make payments with us, we are not responsible for the accuracy and timeliness of your online bill payments.
You may also pay by phone using your bank routing and checking account number by calling 24 hours 1-800-459-8451.
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION
0001
JUJ
1
7
7
111111
0
I D PAGE X of X
10
5843
0240
AC05
01AA5685
45373
Please return bottom portion with your payment. We must receive payment by the due date. Do not send cash. Retain upper portion for your records.
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Program Name
WELLS FARGO FINANCIAL NATIONAL BANK
CLIENT PROCESSING. MAC N0003-04E
800 WALNUT STREET
DES MOINES
IssuedIAby50309
Wells Fargo Financial National Bank
Please Print Address and/or Phone Number Changes Below:
Account #
New Balance
Minimum Payment Due
Payment Due Date
Urgent!inSpecial
Account Ending
XXXX Term(s) expiring - see
Special Terms
Expiration Alert(s)
Billing Cycle mm/dd/ccyy
to mm/dd/ccyy
XXXX XXXX XXXX XXXX
$0.00
$0.00
mm/dd/ccyy
Visit us at wellsfargo.com/cardholders
Customer Service: 1-800-459-8451
Monday-Friday, 8 a.m.-6 p.m. CT
24 Hour Automated Service
Amount
Enclosed
,
Special Terms Calculation
To avoid paying Deferred Interest
City
State Charge(s), you must
Zip pay your Special Terms Balance in full by the Special Terms End Date.
(
) Your Annual Percentage Rate
( (APR)
) is the annual interest rate on your account.
Special Terms
Type of Balance
MakeAnnual
checks payable to: Balance
Home Phone
Work Phone Transaction
Date
End Date
Percentage
Subject to
Rate (APR)
Deferred Interest
$
Address
.
Deferred
Interest
Charge
Special
Terms
Balance
NONAME
INT IF PD IN FULL W/PMT
mm/dd/ccyy
mm/dd/ccyy
27.99%
(v) FINANCIAL NATIONAL
$0.00
$0.00
$0.00
CUSTOMER
WELLS
FARGO
BANK
ADDRESS LINE 1
P.O. BOX 660431
(v) = Variable Rate
ADDRESS LINE 2
DALLAS TX 75266-0431
See
reverse
side
of
the
second
page
for
an
explanation
of
how
the
Balance
Subject
to
Deferred
Interest
for
each
Type
of
Balance
was
computed
and
an
CITY, STATE ZIP
explanation of how to avoid additional interest charges.
Barcode
Interest Charge Calculation
Barcode
00000000000000000000000000000000000000001234567
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Type of Balance
REGULAR
Transaction
Date
Special Terms
End Date
Annual
Percentage
Rate (APR)
Balance
Subject to
Interest Rate
Interest
Charge
Balance
N/A
N/A
27.99% (v)
$0.00
$0.00
$0.00
NO INT W/EQUAL PYMT
mm/dd/ccyy
mm/dd/ccyy
00.00%
$0.00
$0.00
$0.00
SPECIAL RATE
mm/dd/ccyy
N/A
15.99%
$0.00
$0.00
$0.00
(v) = Variable Rate
See reverse side of the second page for an explanation of how the Balance Subject to Interest Rate for each Type of Balance was computed and an explanation of
how to avoid additional interest charges.
© 2014 Well Fargo Financial National Bank. All rights reserved. ECG-1175147 0314