000113971NN23

Questions? February 24, 2024 - March 23, 2024

Customer Service 1-833-402-1481 29 days in billing cycle
CFNA.COM
Page 1 of 4

MICHAEL ENNS ACCOUNT ENDING MINIMUM PAYMENT DUE

UNIT ZM GUQ427903 8166
2240 NW 114TH AVE $0.00
MIAMI FL 33192-9027

ACCOUNT SUMMARY PAYMENT INFORMATION

Statement Closing Da te 03/23/2024 NEW BALANCE -$2,065.05
Previous Ba la nce -$2,065.05 PAYMENT DUE DATE 04/18/2024
Payments -$0.00 MINIMUM PAYMENT DUE $0.00
Other Credits -$0.00 Late Payment Warning: If we do not receive your minimum payment by the
Payment Due Date, you may have to pay a Late Payment Fee of as much as
Purchases / Debits +$0.00 $41.00.
Fees Charged +$0.00 Minimum Payment Warning: If you make only the minimum payment each
month, you will pay more in interest and it will take you longer to pay off
Interest Charged +$0.00 your balance. For example:
New B alance -$2,065.05
Promotional Balance $0.00 If you make no You will pay off the And you will end up
additional charges
Revolving Balance $0.00 balance shown on this paying an estimated
using the card and
statement in a bout.. total of...
Minimum Payment Due $0.00 each month you pay...
Current Pay Amount $0.00 Only the minimum 0 months $0.00
Past Due Amount $0.00 payment
Credit L imit $5,500.00 If you would like information about credit counseling services, call
1-800-848-8117.
Available Credit (subject to change) $0.00

To avoid interest charges, Pay the Revolving Balance by the

Payment Due Date.

IMPORTANT MESSAGES
• We may report information about your account to credit bureaus. Late • Your statement shows a credit balance of -$2,065.05. If the credit balance is
Payments, missed payments, or other defaults on your account may be equal to or greater than $1.00, we will send you a refund check if you have not
reflected in your credit report. used it toward a purchase within 60 days from the date if first appeared on
your statement.
• Payments can be made 24/7 through the CFNA phone system by calling
833.402.1481 or through CFNA.com when you log in to your account.

TRANSACTIONS
FEES
Date Reference # Description Amount
TOTAL FEES FOR THIS PERIOD $0.00

Please See Reverse Side for Important Information Detach Here and Return the Portion Below With Payment

Please Include Your Account Number on your Check or Money Order.

Do Not Send Cash. Do Not Fold, Tape or Staple Payment to Remittance
Payment Account MINIMUM AMOUNT
BALANCE
Due Date Ending PAYMENT DUE ENCLOSED
P.O. Box 81410 04/18/2024 -$2,065.05 8166 $0.00 $__ _____.___
Cleveland OH 44181-0410

ADDRESS SERVICE REQUESTED Make Checks Payable to: Credit First, N.A.
Pay by phone 1-833-402-1481 or CFNA.com

Access your account 24/7 on

CFNA.com

TATDAATDTTTAAAFFFDTDDDFTFTATFDFTDDAADTAAFFATDDTFDAAATTADFFAFDDADD DAAFADDAFTAAFFDDFTFTDFAADDTTTFAFAAAFATTATTTDTDFDDDFTDFFTAATTFTFAF
CREDIT FIRST N.A.
MICHAEL ENNS PO BOX 81344
UNIT ZM GUQ427903 CLEVELAND OH 44188-0344
2240 NW 114TH AVE
MIAMI FL 33192-9027

0000000 5593301000113971 0000000

 Page 2 of 4

Billing Inquiries: Send inquiries (not payment) with your Name and Account Number to CFNA, P.O. Box 81315, Cleveland, OH 44181-0315. Payments: You may at any time pay the unpaid balance (shown as the
"New Balance" on the Statement, page 1) without incurring further charges. Statement, page 1, displays the required Minimum Payment Due you must pay by the Payment Due Date for a Billing Cycle. You may pay
your Account by mail, by phone, or on-line. If paying by mail, send your personal check or money order, payable in U.S. dollars, along with the payment coupon to CFNA at the payment address shown on your statement.
Write your Account number on your check or money order. Payments received by 5PM Eastern Time (ET) at the payment address shown on your statement will be credited as of the business day of receipt. If received after
5PM ET, the payment will be credited as of the next business day. Payments made through the CFNA website (CFNA.com), Interactive Voice Response System ( IVR , self-service option), or through a CFNA representative
(833.402.1481) prior to 11:59PM ET will be credited as of the same business day. Payments made after 5PM ET may not be reflected on your account for up to 1-2 business days. Follow all instructions for making a payment
specified on your Statement. Any payment that does not conform to these requirements may not be credited to your Account for up to five (5) days or may be rejected. Authorization for Electronic Payments: When
you pay by phone (IVR or representative assisted) or via CFNA.com, you are authorizing CFNA to initiate an electronic debit entry to your checking account in the amount specified in your request. CFNA will inform
you before you authorize payment by phone if there is a fee for the service. Electronic Check Conversion: When you send us payment by check, you authorize us to process your check electronically. Your checking
account may be debited on the day we receive your check. The electronic transaction will appear on your bank statement although your cancelled check will not be returned to you. Credit Balances: We owe you
the amount of any New Balance listed as a credit. Any credit balance will be refunded upon your request to CFNA, P.O. Box 81315, Cleveland, OH 44181-0315 or applied to amounts you charge to your Account in
the future. If you don't request a refund and your credit balance is $1 or more, we will refund the credit balance automatically three months after it first appeared on your statement. If you don't request a refund and
your credit balance is less than $1, we will not refund the credit balance automatically and we will not apply the credit balance to amounts you charge to your Account more than six months after the credit balance
first appeared on your statement. Credit Reporting: If you believe we have reported inaccurate information about you to a credit reporting agency, please notify us in writing at CFNA, P.O. Box 81315, Cleveland,
OH 44181-0315. Please identify the inaccurate information, tell us why you believe it is incorrect, and provide supporting documentation of the inaccurate information, such as a copy of the credit report that includes
the inaccurate information or bank statement evidencing the payment was deducted from your account. We may report information about your account to credit reporting agencies. Late payments, missed payments,
or other defaults on your account may be reflected on your credit report. When Interest Charges Begin to Accumulate. Interest Charges accumulate on each purchase from the later of (a) the date of the transaction
or (b) the first day of the Billing Cycle on which the transaction posts to your Account. Any interest which may have been waived due to the receipt of a payment, and which payment is later deemed insufficient or
rejected will result in the re-application of waived interest to your account. However, we do not assess Interest Charges in the following circumstances: (1) If you paid the New Balance at the beginning of your
previous Billing Cycle by the Payment Due Date during that previous Billing Cycle (or if that New Balance was $0 or a credit balance), and (1a) if you pay the New Balance on your current Monthly Statement in full
by the Payment Due Date in your current Billing Cycle, we will not impose Interest Charges on Purchases during your current Billing Cycle, and (1b) if you make a payment that is less than the New Balance by the
Payment Due Date in your current Billing Cycle, we will credit that payment as of the first day in your current Billing Cycle. (2) If you had a New Balance at the beginning of your previous Billing Cycle and you did
not pay that New Balance by the Payment Due Date during that previous Billing Cycle, then we will not charge Interest Charges on any Purchases during the current Billing Cycle if you pay the New Balance at the
beginning of your current Billing Cycle by the Payment Due Date. To avoid Interest Charges, pay the amount displayed as the Revolving Balance on this Statement by the Payment Due Date. How We Calculate
Average Daily Balance Subject to Interest Rate: We will calculate periodic Interest Charges on your Account for each Billing Cycle by multiplying a monthly periodic rate ("Periodic Interest Rate") by the Average
Daily Balance (including new transactions) on your Account. We calculate the Average Daily Balance on your Account separately for (1) your Revolving Balance and (2) your Unpaid Promotional Credit Plan
Purchases for each Billing Cycle during the Delay Period. To get the Average Daily Balance for your Revolving Balance, we first determine the daily balance for your Revolving Balance. To get the daily balance,
we take the beginning Revolving Balance of your Account each day. Then we subtract any payments or credits applied to your Revolving Balance, and any unpaid Interest Charges. We add to that amount any new
Regular Credit Plan transactions, Late Payment Fees, and other Account fees and administrative charges. To get the Average Daily Balance for your Unpaid Promotional Credit Plan Purchases during the
Delay Period, we first determine the daily balance for your Unpaid Promotional Credit Plan Purchases. To get the daily balanc e, we take the remaining balance(s) of your Unpaid Promotional Credit Plan(s) each
day. Then we subtract any payments or credits applied to your Unpaid Promotional Credit Plan Purchases. We then separately add up all the daily balances for the Revolving Balance and each Promotional Credit
Plan(s). We then separately divide the Revolving daily balance total and the Promotional Credit Plan(s) daily balance total(s) by the number of days in the Billing Cycle. This gives us the Average Daily Balance for
your Revolving Balance and the Average Daily Balance for your Unpaid Promotional Credit Plan Purchases. The Promotional Credit Plan Purchases section displays the Average Daily Balance and
related accrued Interest Charges. The Interest Charge Calculation section reflects the Average Daily Balance (Balance Subject to Interest Rate) and Interest Charges for the Revolving Balance(s). The
-promotional credit card spending that remains unpaid at the end of your billing cycle. The the Unpaid Promotional Credit
Plan Purchases that you did not pay in full by the specified Due Date, in which case you will owe us Interest Charges that have accumulated during the Delay Period. REMINDER FOR PROMOTIONAL PURCHASES:
IF WE DO NOT RECEIVE AT LEAST THE MINIMUM PAYMENT DUE BY THE PAYMENT DUE DATE, WE WILL CHARGE A LATE PAYMENT FEE.
BILLING RIGHTS SUMMARY
What To Do If You Think You Find A Mistake On Your Statement. If you think there is an error on your statement, contact us in writing or electronically at: CFNA, P.O. Box 81315, Cleveland, OH 44181-0315,
CFNA.com; or [email protected]. In your letter, give us the following information: Account information: Your name and account number. Date: The date of the suspected error. Dollar amount: The
dollar amount of the suspected error. 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 first appeared on your statement. You must notify us of any potential errors in writing or electronically. 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 there has been an error, the following are true:
We cannot try to collect the amount in question or report you as delinquent on that amount.
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.
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.
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, (However, 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, and (3) you must not yet have fully paid for the purchase. If all criteria above
are met and you are still dissatisfied with the purchase, contact us in writing or electronically at: CFNA, P.O. Box 81315, Cleveland, OH 44181-0315; CFNA.com; or [email protected]. While we investigate,
the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will inform you of our decision. At that point, if we think you owe an amount and you do not pay, we may report
you as delinquent to the credit reporting agencies.

Moved? Please Write your new address

Name Last First Middle

Street Address

City _State Zip

If you created a CFNA.com online account, please make changes to your physical or email address and/or phone number via CFNA.com. If not, please
consider creating a CFNA.com online account today to manage your account, make payments, and elect paperless statements. Visit www.CFNA.com
today!
 Questions? February 24, 2024 - March 23, 2024
Customer Service 1-833-402-1481 29 days in billing cycle
CFNA.COM
Page 3 of 4

MICHAEL ENNS ACCOUNT ENDING 8166

TRANSACTIONS - continued
INTEREST
Date Descripti on Amount
TOTAL INTEREST FOR THIS PERIOD $0.00

2024 TOTALS YEAR-TO-DATE

Total Fees Charged in 2024 $0.00
Total Interest Charged in 2024 $0.00

INTEREST CHARGE CALCULATION (v) = variable rate

Your Annual Percentage Rate(s) (APR) is/are the annual interest rate(s) on your account. Please see Page 2 for Important Information.
PERIODIC INTEREST ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST
BALANCE TYPE
RATE RATE (APR) INTEREST RATE CHARGE
Revolving 2.270% (v) 27.240% (v) $0.00 $0.00
 Questions? February 24, 2024 - March 23, 2024
Customer Service 1-833-402-1481 29 days in billing cycle
CFNA.COM
Page 4 of 4

MICHAEL ENNS ACCOUNT ENDING 8166