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Mastercard Black Card Statement

ANKUR GUPTA | Account Ending 0764 | Statement Period 03/20/24 - 04/19/24 Page 1 of 5

Account Activity Payment Information

Previous Balance as of 03/20/24 $119.28 Statement Balance: $0.00

Payments - Thank You - $119.28 Minimum Payment Due: $0.00

Other Credits - $495.00 Payment Due Date: 05/16/24

Fees Charged + $495.00 Late Payment Warning: If we do not receive your minimum payment by the

Interest Charged + $0.00 date listed above, you may have to pay a late fee of up to $40.00.

Statement Balance as of 04/19/24 = $0.00 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
APR Details begin on page 3 in the Interest Charge
balance. For example:
Calculation section.

Transaction details begin on page 3.

If you make no additional You will pay off the And you will end up
charges using this card balance shown on this paying an estimated
Credit Line and each month you pay… statement in about… total of…
Total Revolving Credit Line $10,000.00 Only the minimum
0 months $0.00
Includes $2,000.00 cash advance line payment

Available Revolving Credit Line $10,000.00

as of 04/19/24
If you would like information about credit counseling services, please call 800-570-1403.
Available for cash advances $2,000.00 Repayment information based on activity and APRs on your account as of the closing date.

SEE INSIDE: You may have additional important messages inside.

Points Summary

Points Earned This Period 0

Total Points Balance 463

For details see page 5

NOTICE: SEE REVERSE SIDE OR END OF STATEMENT FOR IMPORTANT INFORMATION

Payment Coupon Ways to pay: myluxurycard.com Barclays US App 844-724-2600

Statement Balance as of 04/19/24: (account ending 0764) $0.00

Minimum Payment Due: $0.00

Payment Due Date: 05/16/24

Amount Enclosed: $ ___ , ___ ___ ___ , ___ ___ ___ . ___ ___
Make check payable to Barclays. Allow 7-10 days for USPS delivery.

Barclays

PO BOX 13337
ANKUR GUPTA
PHILADELPHIA PA 19101-3337
3924 PERSIMMON DR APT 103

FAIRFAX VA 22031-4126

xxxxxxxxxxxx076400000000000000000
Important Information
Page 2 of 5

Information About Credit Bureau Reporting: We may report information about your Phone: Call us at 844-724-2600 and we will process your payment.

account to credit bureaus. Late payments, missed payments, or other defaults on your

account may be reflected in your credit report. All payments made via web, mobile app or pay by phone by 11:59 p.m. ET will be credited

to your account that same day.

Annual Fee. If your account has an annual fee, it will be billed each year. We will give you

advance notice on your billing statement prior to the assessment of the annual fee. You may Overnight Payments: Send overnight courier service or U.S.P.S. Priority Mail payments to

choose to call us at 844-724-2600 within 45 days of receiving such notice to discuss Card Services, 400 White Clay Center Drive, Newark, DE 19711. A payment received at this

alternative products that may be available or to close your account so that the fee will not address by 5 p.m. ET that otherwise meets the requirements of a conforming payment will

be billed. If your account is closed, any outstanding reward points or miles on your account be credited to your account that same day.

may be forfeited at that time. Payment of the annual fee does not affect our ability to close

your account and/or to limit your transactions. How We Will Calculate Interest. We use a method called “daily balance" (including new

purchases). We calculate interest separately for each “Balance Subject to Interest Rate.”

Lost or Stolen Card: Your credit card is issued by Barclays Bank Delaware. If your card is These include for example, Purchases at the current rate, Balance Transfers at the current

lost or stolen, please contact us immediately at 844-724-2600 at any time. rate, Cash Advances at the current rate, and different promotional balances. Your monthly

billing statement shows each “Balance Subject to Interest Rate.”

Payment Information: Each billing cycle, you must pay at least the Minimum Payment Due

shown on your monthly statement by its Payment Due Date. Both the Minimum Payment To calculate interest, we first calculate a daily balance for each Balance Subject to Interest

Due and Payment Due Date are noted on your statement and on your homepage when you Rate. We start with the balance, for that Balance Subject to Interest Rate, as of the end of

login to myluxurycard.com. At any time you may pay more than the Minimum Payment Due the previous day. We add any interest calculated on the previous day’s balance. (This means

up to the full amount you owe us, however you cannot “pay ahead”. This means that if you interest is compounded daily). We add any new Purchases, Balance Transfers or Cash

pay more than the required Minimum Payment Due in any billing cycle or if you make more Advances to the appropriate balance, subtract any new payments or credits from the

than one payment in a billing cycle, you will still need to pay the next month’s required appropriate balance, and make other adjustments. A credit balance is treated as a balance

Minimum Payment Due by your next Payment Due Date. Remember to make all checks of zero. We then multiply each daily balance by the applicable daily periodic rate. We do this

payable to Barclays. Please allow 7 to 10 days for the U.S. Postal Service to deliver your for each day in the billing period. That gives us the daily interest. We add up all the daily

payment to us. Upon our receipt, your available credit may not be increased by the interest for all of the daily balances to get the total interest for the billing period.

payment amount for up to 7 days to ensure the funds from the bank on which your

payment is drawn are collected and not returned. When you provide a check as payment Accrual of Interest and How to Avoid Paying Interest on Purchases. Your due date is at

on this Account, you authorize us to either use the information from your check to make a least 23 days after the close of each billing cycle. On Purchases, interest begins to accrue as

one-time electronic fund transfer from your account or to process the payment as a check of the transaction date. However, you can avoid paying interest on Purchases in any given

transaction. When we use information from your check to make an electronic fund transfer, billing cycle if you pay your Statement Balance in full by the Payment Due Date.

funds may be withdrawn from your account as soon as the same day we receive your

payment, and you will not receive your check back from your financial institution. For If you have Purchase balances with a 0% promotional APR, you can avoid paying interest on

inquiries, please call 844-724-2600. those Purchase balances during the promotional period. (However, to avoid a late fee, pay

at least your Minimum Payment Due.)

Mailed Payments: A conforming payment received by us by 5:00 p.m. ET will be credited to

your account the day of receipt. A “conforming payment” is a payment that: 1) is mailed If you have a promotional APR offer(s) on your Account, you can avoid paying interest on

with the payment coupon included with this statement or printed from myluxurycard.com to non-promotional Purchases without paying your Statement Balance in full. If this applies to

Barclays, P.O. Box 13337 Philadelphia, PA 19101-3337; and 2) is in the form of a single, your Account, you will see a Paragraph titled “Avoiding Interest on Purchases (Grace Period)

non-folded check or money order made payable in U.S. dollars from a U.S. based institution. (Excluding Easy Pay Promotional Balances") appearing directly below the Interest Charge

Any payment that does not meet these requirements, or any payment with multiple checks Calculation section on the front of this Statement. This will show the amount you can pay by

or money orders, additional correspondence, staples, paperclips, etc. will be considered a the Payment Due Date and still avoid interest charges on your non-promotional Purchase

“non-conforming payment”, which may delay the crediting of the payment for up to 5 days. balance. This amount may differ from your Statement Balance. It may differ if you have

certain promotional APR balances, and the nonpayment of these balances will not affect

Other Payment Options: your grace period on Purchases, provided you pay all other balances on your account.

Web: Visit myluxurycard.com to set up your payments. (However, to avoid a late fee, pay at least your Minimum Payment Due.)

Mobile: To download the Barclays US App, text MOBILE to 60956.

Continued on Page 4

Change of address, name, phone, or email?

- Update this information by visiting our website on the back of your card.

- Telephone us by calling the number on the back of your card.

Please do not include any written communication in this space.

 ®
Mastercard Black Card Statement

ANKUR GUPTA | Account Ending 0764 | Statement Period 03/20/24 - 04/19/24 Page 3 of 5

Transactions

Transaction Date Posting Date Description Points Amount

Payments

Apr 04 Apr 04 Payment Received PNC BANK, NA N/A -$119.28

Total payments for this period N/A -$119.28

Other Credits

Mar 31 Apr 01 MEMBERSHIP N/A -$495.00

Total other credits for this period N/A -$495.00

Purchase Activity for ANKUR GUPTA card ending 0764

No Transaction Activity at This Time $0.00

Total purchase activity for this period N/A $0.00

To see activity after this statement period, visit myluxurycard.com

Fees and Interest

Transaction Date Posting Date Description Amount

Fees Charged

Mar 31 Mar 31 ANNUAL FEE $495.00

Total fees for this period $495.00

Interest Charged

No interest charged for this period $0.00

Total interest for this period $0.00

2024 Year-to-Date Totals

Total fees charged in 2024 $0.00

Total interest charged in 2024 $0.00
This Year-to-date summary reflects the Fees and Interest charged on billing statements with closing dates in 2024, and
does not reflect any subsequent fee and/or interest adjustments.

Interest Charge Calculation Days in Billing Cycle : 31

Type of Balance Promotional Balance Subject Annual Percentage Interest

Rate End Date to Interest Rate Rate (APR) Charge
Purchases

Standard Purchases - $58.45 20.24%(v) $0.00

Balance Transfers

Standard Balance Transfers/Checks - $0.00 20.24%(v) $0.00

continued on page 5

Visit myluxurycard.com or use the Barclays US App

 Page 4 of 5

For Balance Transfers, interest will accrue from the transaction date which generally will be 2. You must have used your credit card for the purchase. Purchases made with cash

the day the payee accepts the Check. For Cash Advances, interest will accrue from the advances from an ATM or with a check that accesses your credit card account do not

transaction date which generally will be the day you take the Cash Advance. Please note qualify.

that purchases of Cash Equivalents, which include money orders, travelers checks, foreign 3. You must not yet have fully paid for the purchase.

currency, lottery tickets, gambling chips and wire transfers, are treated as Cash Advances

and do not have a grace period. See your Cardmember Agreement for more information. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us

in writing at:

Minimum Interest Charge: This fee, if imposed, appears in the Summary of Fees as a

“Minimum Interest Charge” or “Minimum Charge." Card Services

P.O. Box 8802

No Pre-Set Spending Limit: “No Pre-Set Spending Limit” does not mean unlimited Wilmington, DE 19899-8802.

spending, it means we may permit you from time to time at our discretion to make certain

charges that will cause your outstanding balance to exceed your revolving credit line. Any While we investigate, the same rules apply to the disputed amount as discussed above.

such charge will be considered on an individual basis and such evaluation will be based on After we finish our investigation, we will tell you our decision. At that point, if we think you

your account spending and payment history as well as your experience with other creditors. owe an amount and you do not pay, we may report you as delinquent.

If you exceed your revolving credit line, then you must pay, with your Minimum Payment

Due, the amount by which your balance exceeds your revolving credit line, including Please refer to your Cardmember Agreement for additional information about the terms of

amounts due to Purchases, Cash Advances, Interest charges, Fees, or other charges. your Account.

Credit Bureau Disputes: If you believe that an entry we have made on your credit bureau
©2024 Barclays Bank Delaware, member FDIC
report is inaccurate or incomplete, please contact the reporting agency directly or contact us

at Card Services, P.O. Box 8803 Wilmington, DE 19899-8801. Please include your name;

your account number; the credit reporting agency where you received the bureau report; a

description of the error; and why you believe it is an error. We will promptly investigate,

notify you of our findings, and send an update to the credit bureaus if warranted within 30

days.

What To Do If You Think You Find A Mistake On Your Statement

If you think there is an error on your statement, write to us at:

Card Services

P.O. Box 8802

Wilmington, DE 19899-8802.

In your letter, give us the following information:

• Account information: Your name and account number.

• 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 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:

• 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.

(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.)

Visit myluxurycard.com or use the Barclays US App

 ®
Mastercard Black Card Statement

ANKUR GUPTA | Account Ending 0764 | Statement Period 03/20/24 - 04/19/24 Page 5 of 5

Type of Balance Promotional Balance Subject Annual Percentage Interest

Rate End Date to Interest Rate Rate (APR) Charge
Cash Advances

Standard Cash Advance - $0.00 29.99%(v) $0.00

Total $0.00

Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate that varies with the market based on the Prime Rate.
See the “Important Information” section of this statement for more information about how we calculate interest.

AVOIDING INTEREST ON PURCHASES (GRACE PERIOD) (EXCLUDING EASY PAY PROMOTIONAL BALANCES):

If you have a 0% promotional APR on any of your Purchase balances (excluding Easy Pay), you can avoid paying interest on those balances during the applicable promotional period.

However, pay at least your Minimum Payment Due to avoid a late fee. If you have Purchase balances (excluding Easy Pay) with an APR greater than 0% and you also have other

promotional balances on your Account, you can avoid paying interest on your Purchases (excluding Easy Pay) by paying $0.00 (this amount includes any Minimum Payment Due required to

avoid a late fee). Please refer to the "Accrual of Interest and How to Avoid Paying Interest on Purchases" paragraph on the back of this Statement for further detail.

Points Details

Beginning Points balance 463

Points earned on qualifying purchases 0

Ending Points balance 463

April Customer News

Manage Your Account Online

Log in to myluxurycard.com to make payments, check your points balance, redeem points with the Luxury Card Rewards
® program and more.

Spring Is in the Air

We have finally turned the corner to spring! This season, allow us to make life a little easier. Luxury Card Concierge
® agents are available
24/7 to assist with logistics, reservations and more.

Car Rental Perks

Drive away in your choice of car and enjoy competitive pricing and upgrades with Luxury Card's select car rental partners.

Visit myluxurycard.com or use the Barclays US App