Credit Card Payment Coupon Amount Enclosed

January 19, 2018 - February 18, 2018

Member Number:
553715
MARIA CECILIA Q YOPO
4951 S 3RD ST RD New Balance:
WACO TX 76706 $4,142.53
Current Amount Due:
$104.00
Payment Due Date:
 CHANGE OF ADDRESS? Check this box and indicate new address on back.
03/15/2018
We offer three convenient payment methods:
1. Transfer funds for FREE using ART or Online Access (details on back).
2. Sign up for FREE automatic payments (details on back).
3. Make your check or money order payable to Credit Union 1 and return with this coupon QUESTIONS? Call our Member Service Center at
to any branch, or mail to: 1941 Abbott Road, Anchorage, AK 99507-3448 (907) 339-9485 or (800) 478-2222 or visit cu1.org.

Payment Information Account Summary

New Balance $4,142.53
Previous Balance $3,682.22
Minimum Payment Due $104.00 Payments -$1,450.00
Past Due $0.00 Other Debits -$0.00
Payment Due Date 03/15/2018 Purchases +$1,879.93
1941 Abbott Road
Anchorage, AK 99507 Late Payment Warning: If we do not receive your minimum payment by the
Balance Transfers +$0.00
due date listed above, you may have to pay a $30 late fee and your credit Cash Advances +$0.00
card account may be suspended. Fees Charged +$0.00
QUESTIONS? Minimum Payment Warning: If you make only the minimum payment each Interest Charged +$30.38
Call our Member Service Center at period, you will pay more in interest and it will take you longer to pay off your
balance. For example: New Balance $4,142.53
(907) 339-9485 or (800) 478-2222
or visit cu1.org. If you make no
You will pay off the And you will end Credit Limit $7,500.00
additional charges using
this card and each
balance shown on this up paying an Available $3,357.47
statement in about... estimated total of...
month you pay... Statement Closing Date 02/18/2018
Only the minimum 15 Years $6,567.00 Days in Billing Cycle 31
payment
Totals Year-to-Date
See a negative balance on your statement? $136.00 3 Years $4,896.00
(Savings = $1,671.00)
Don’t worry! This means you’ve overpaid your card and Total Late Fees charged in 2018
that amount is available to you. Please do not send If you would like information about credit counseling services,
payment for a negative credit card balance.
Total Interest charged in 2018 $70.86
call (800) 388-2227 or visit www.nfcc.org.

Interest Charge Calculations .

Type Of Balance Annual Percentage Rate(APR) Balance Subject to Interest Rate Interest Charge
Purchases 11.950% $3,050.65 $30.38
Cash Advances 11.950% $0.00

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

. Transactions
Posted Date Trans. Date Transaction Amount
01/19/18 NEXT PAYMENT DUE DATE 03/15/2018
REPAYMENT AMOUNT 104.00
01/30/18 01/29/18 CHG-MCLENNAN COMM COLL II WACO TX $89.00
802900013908 Jan 29
01/31/18 01/30/18 CHG-STATE FARM INSURANCE $129.52
08009566310 IL 803000025705 Jan 30
01/31/18 PAYMENT PROTECTION $6.59
02/06/18 Tuition TSTC HB -$1,450.00
02/07/18 02/06/18 CHG-TSTC S SR ECOM 09563644400 TX $1,431.14
803700030554 Feb 6
02/12/18 02/09/18 CHG-CRICKETS GRILL WACO TX $55.00
804000009553 Feb 9
02/12/18 02/09/18 CHG-TROJAN CORK & KEG WACO TX $22.00
804000019781 Feb 9
02/12/18 02/11/18 CHG-BEAUTY BRANDS 148 WACO TX $134.20
804200019782 Feb 11
02/12/18 02/12/18 CHG-ALIEXPRESS SAN MATEO CA $12.48
804300019783 Feb 12
02/18/18 ***PURCHASE INTEREST CHARGE*** $30.38

MRK Credit Card Statement Rev. 4/2017

.
 QUESTIONS? Call our Member Service Center at
(907) 339-9485 or (800) 478-2222 or visit cu1.org.

Transactions
.

Interest Charged
Interest Charge on Purchases $30.38
Interest Charge on Cash Advances $0.00
Interest Charge on Balance Transfers $0.00
TOTAL FINANCE CHARGES FOR THIS PERIOD $30.38

MRK Credit Card Statement Rev. 4/2017

.
 Credit Card Payment Coupon
Please write your change of address below.

Current Address TO ENSURE PROPER CREDIT
Please include this stub with your payment in the

City State Zip envelope provided and mail to:
Credit Union 1
Daytime Phone # Evening Phone #
1941 Abbott Road

E-mail Address Anchorage, AK 99507-3348
Failure to include this stub can delay your payment
Member Signature Date
from being credited.
OTHER PAYMENT OPTIONS
1. Transfer funds immediately from your other Credit Union 1 accounts using Online Access at cu1.org or ART (automated phone service) at (800) 478-2226.
2. Sign up for FREE automatic payments by stopping into a branch or using Online Access.
3. Come into any branch and make your payment in person.

IMPORTANT INFORMATION
Please refer to the Credit Union 1 Cardholder Agreement and Truth in Lending Disclosure
previously provided to you which governs the use of your credit card account. The agreement
and disclosure statement may be amended or supplemented by separate notices to you,
including any notices you have previously received from us.
WHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT
If you think there is an error on your statement, write to us at Credit Union 1, 1941 Abbott Rd, Anchorage, AK 99507-3348.

In your letter, give us the following information:

1. Account Information: Your name and account number.
2. Dollar Amount: The dollar amount of the suspected error.
3. Description of Problem: If you think there is an error on your bill, describe what you believe is
wrong and why you believe it is a mistake.

You must contact us within 60 days after the error appeared on your statement.

You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential
errors and you may have to pay the amount in question.

While we investigate whether or not there has been an error, the following are true:
1. We cannot try to collect the amount in question, or report you as delinquent on that amount.
2. The charge in question may remain on your statement, and we may continue to charge you
interest on that amount. But, if we determine that we made a mistake, you will not have to pay the
amount in question or any interest or other fees related to that amount.
3. While you do not have to pay the amount in question, you are responsible for the remainder of
your balance.
4. We can apply any unpaid amount against your credit limit.

YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES
If you are dissatisfied with the goods or services that you have purchased with your credit card and you have tried in good faith to
correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.

To use this right, all of the following must be true:

1. The purchase must have been made in your home state or within 100 miles of your current mailing
address, and the purchase price must have been more than $50. (Note: Neither of these are
necessary if your purchase was based on an advertisement we mailed to you, or if we own the
company that sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made with cash advances from
an ATM or with a check that accesses your credit card account do not qualify.
3. You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Credit Union 1, 1941
Abbott Rd, Anchorage, AK 99507-3348.

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell
you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.

METHOD OF DETERMINING BALANCES ON WHICH FINANCE CHARGE IS COMPUTED

Average daily balance including new purchases. Call (907) 339-9485 or (800) 478-2222 for more information.

MRK Credit Card Statement Rev. 4/2017