03-01-2016 (1)

DAPHNE F GALIANO How to reach us
Member Since 2005 Account number ending in: 5922 www.citicards.com
Billing Period: 02/02/16-03/01/16 1-800-THANKYOU(1-800-842-6596)
BOX 6062 SIOUX FALLS, SD 57117

Minimum payment due: $231.73 Account Summary $8,249.63
New balance: $8,696.78 -$1,000.00
Payment due date: Previous balance
03/27/16 Payments -$0.00
Credits +$1,301.42
Make a payment now! www.payonline.citicards.com Purchases
Cash advances +$0.00
Late Payment Warning: If we do not receive your minimum payment by the date Fees +$0.00
listed above, you may have to pay a late fee of up to $37 and your APRs may be Interest +$145.73
increased up to the variable Penalty APR of 29.99%.
New balance $8,696.78

Minimum Payment Warning: If you make only the minimum payment each Credit Limit
period, you will pay more in interest and it will take you longer to pay off
your balance. For example: Revolving Credit limit $23,700

Includes $8,700 cash advance limit

If you make no additional You will pay off the And you will end up Available Revolving credit $15,003
charges using this card balance shown on the paying an estimated
and each month you pay... statement in about... total of... Includes $8,700 available for cash advances

Only the minimum payment 24 year(s) $22,221

$324 3 year(s) $11,664
(Savings = $10,557)

For information about credit counseling services, call 1-877-337-8187.

You’re still getting a paper statement. Total ThankYou Member 62,075
Why not go Paperless? Available Point Balance:
as of 02/29/16
Take the plunge and you can:
» See page 2 for more information
Stay up to date with most legal notices and account updates delivered about your rewards.
to your inbox

Set up reminders for payment due dates
Access up to 7 years’ worth of statements online

www.estatements.citicards.com www.estatements.citicards.com

>> Go Paperless now www.estatements.citicards.com

www.estatements.citicards.com www.estatements.citicards.com

Pay online www.citicards.com Minimum payment due $231.73
New balance $8,696.78
Pay by phone 1-800-THANKYOU Payment due date
(1-800-842-6596) Amount enclosed: $ 03/27/16

Pay by mail Use this coupon Account number ending in 5922

• Enclose a valid check or money order payable
to CITI CARDS. No cash or foreign currency.

• Write the last four digits of your
account number on your check.

DAPHNE F GALIANO CITI CARDS
9928 COACH RD PO BOX 9001037
VIENNA VA 22181-2926 Louisville, KY 40290-1037

DAPHNE F GALIANO www.citicards.com Page 2 of 4
1-800-THANKYOU(1-800-842-6596)

Account Summary

Trans. Post Description Amount
date date
-$1,000.00
Payments, Credits and Adjustments Member ID: 8910231385746121
02/25 ONLINE PAYMENT, THANK YOU $208.00
$51.76 ThankYou Points Earned This Period
$5.63
$19.60 2x on Dining 836
$4.36
Standard Purchases $12.41 2x on Entertainment 18
$3.18
02/01 02/02 AAA MEMBERSHIP GAR 072 08003379222 DE $62.00 1x on Other Purchases 874
02/01 02/02 $9.56
02/02 02/02 BUSBOYS & POETS HYATTSVILLE MD $2.65 Total Earned 1,728
02/02 02/02 $4.29
02/03 02/03 WHOLEFDS VNA 10065 VIENNA VA $46.88
02/03 02/03 $5.00
02/04 02/04 WHOLEFDS VNA 10065 VIENNA VA $38.34 » Visit thankyou.com
02/04 02/04 to redeem points or see
02/05 02/05 KRISPY KREME DOUGH WASHINGTON DC $210.00 full rewards details.
02/05 02/05 $14.85
02/05 02/05 CHOPT - DUPONT WASHINGTON DC Bonus Points may take one to two billing
02/05 02/05 $90.00 cycles to appear on your statement. Please
02/06 02/06 7-ELEVEN 11657 LANDOVER MD $11.00 refer to the specific terms and conditions
02/06 02/06 pertaining to the promotion for further details.
02/06 02/06 Caboose Brewing Compan Vienna VA $1.99
02/07 02/07 $3.99
GIANT 0758 MCLEAN VA $5.67
02/07 02/07 $4.82
02/08 02/08 SHELL OIL 575427645QPS WASHINGTON DC $8.47
02/08 02/08 $30.56
02/09 02/09 7-ELEVEN 28840 BETHESDA MD $9.00
02/09 02/09 $5.00
02/10 02/10 PLAKA GRILL- VIENNA VIENNA VA $26.00
02/10 02/10 $62.16
02/12 02/12 LYFT *CANCEL FEE 8552800278 CA $28.09
02/12 02/12 $18.64
02/13 02/13 LYFT *RIDE SAT 9PM 8552800278 CA $43.59
02/13 02/13 $4.98
02/13 02/13 LEAGUEATHLETICS.COM LL 8779326747 CT $12.41
02/14 02/14 $12.65
02/17 02/17 AMAZON MKTPLACE PMTS AMZN.COM/BILL
02/17 02/17 WA $6.00
02/17 02/17 $7.31
02/18 02/18 LYFT *RIDE SUN 2AM 8552800278 CA $21.80
02/18 02/18 $2.00
LAZ PARKING 070206 ARLINGTON VA $7.41
02/20 02/20 $4.98
02/20 02/20 GOOGLE *Google Storage 8554925538 CA $2.25
02/20 02/20 $9.80
02/22 02/22 7-ELEVEN 11657 LANDOVER MD $75.23
02/22 02/22 $24.71
02/22 02/22 7-ELEVEN 11657 LANDOVER MD $2.33
02/23 02/23 $8.99
02/23 02/23 COSI - 673 WASHINGTON DC
02/23 02/23
02/25 02/25 LIFE CAFE #233 RESTON VA
02/26 02/26
02/27 02/27 GIANT 0763 E VIENNA VA

LIFE CAFE #233 RESTON VA

LYFT *CANCEL FEE 8552800278 CA

ANITAS NEW MEXICO STYL VIENNA VA

LEBANESE TAVERNA TYSON MCLEAN VA

LYFT *RIDE SUN 4AM 8552800278 CA

FRATELLI CHEVERLY MD

ZOES -- 00230 VIENNA VA

7-ELEVEN 28857 UPPER MARLBOR MD

WHOLEFDS GWU 10414 WASHINGTON DC

AMAZON MKTPLACE PMTS AMZN.COM/BILL
WA

IAD DULLES HOURLY 57 DULLES VA

7-ELEVEN 11657 LANDOVER MD

NOODLES & CO 452 RESTON VA

ARLINGTON METER PARKIN ARLINGTON VA

BOSTON MARKET 2791 RIVERDALE MD

7-ELEVEN 11657 LANDOVER MD

REV AUTH PAY STATIONS 03019259448 MD

ZOES -- 00230 VIENNA VA

WHOLEFDS VNA 10065 VIENNA VA

BAZINS ON CHURCH LLC VIENNA VA

7-ELEVEN 11657 LANDOVER MD

NETFLIX.COM 8005858131 CA

DAPHNE F GALIANO www.citicards.com Page 3 of 4
1-800-THANKYOU(1-800-842-6596)

Standard Purchases, cont'd

Trans. Post Amount
date date Description $10.19
$10.75
02/27 02/27 WHOLEFDS VNA 10065 VIENNA VA $19.06

02/27 02/27 WHOLEFDS VNA 10065 VIENNA VA $4.13
02/27 02/27 RITE AID STORE - 11226 VIENNA VA $6.95

02/29 02/29 DAIRY QUEEN #19402 Q68 VIENNA VA Amount
02/29 02/29 CR *CONSUMERREPORTS.OR 8003330663 NY $0.00
$0.00
Fees charged

Date Description

03/01 MEMBERSHIP FEE MAR 16-FEB 17

Total fees charged in this billing period

Interest charged

Date Description Amount
$145.73
03/01 INTEREST CHARGED TO STANDARD PURCH $145.73

Total interest charged in this billing period

2016 totals year-to-date $0.00
$404.15
Total fees charged in 2016
Total interest charged in 2016

Interest charge calculation Days in billing cycle: 29

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

Balance type Annual percentage Balance subject Interest charge
PURCHASES rate (APR) to interest rate $145.73
$0.00
Standard Purch 20.24% (V) $9,062.80 (D)

ADVANCES 25.49% (V) $0.00 (D)
Standard Adv

Your Annual Percentage Rate (APR) is the annual interest rate on your account. APRs followed by
(V) may vary. Balances followed by (D) are determined by the daily balance method (including
current transactions).

Account messages

Offers For You Savings Summary

Login to Account Online and go to Offers For You to view your savings
summary and all of your available offers. To see more offers near you,
download the Citi Mobile® App.

Remember, any charges above your revolving credit limit MUST BE PAID IN
FULL by your statement's payment due date.

Transfer high-rate balances and save!

Interest and Fee Information

APR for Check 0.000% (Promotional APR on transferred balances until
Transactions 01/01/2017.)

After 01/01/2017, you will be charged the standard variable
APR for purchases, currently 20.240%. This APR will vary
with the market based on the Prime rate.

DAPHNE F GALIANO www.citicards.com Page 4 of 4
1-800-THANKYOU(1-800-842-6596)

Interest and Fee Information (continued)

Use by Date The enclosed checks must post to your account by
05/06/2016 for the promotional APR and fee to apply. We
may still honor these checks after that date, but you will
not receive the promotional APR or fee. Instead, the
standard variable APR for purchases will apply and there
will be no fee.

Fee $5 or 4.00% of the amount of each transaction, whichever
is greater, for this offer until 05/06/2016.

The standard balance transfer fee is $10 or 5.00% of the
amount of each transaction, whichever is greater.

Paying We will begin charging interest on these checks on the
Interest date the transaction posts to your account. (The interest
charge will be $0 while the promotional APR is 0%.)

• Use of the attached checks will constitute a charge against your credit
account. Please see the back for important information about transferring
balances.

• The checks must post to your account by 05/06/2016, so don't wait!

About Interest Charges 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
How We Calculate Interest. We calculate it separately for each balance shown credit card, and you have tried in good faith to correct the problem with the merchant,
in the Interest Charge Calculation table. We use the daily balance method you may have the right not to pay the remaining amount due on the purchase.
(including current transactions) if the Balance Subject to Interest Rate is
followed by (D). We figure the interest charge by multiplying the daily balance by To use this right, all of the following must be true:
its daily periodic rate each day in the billing period. To get a daily balance, we
take the balance at the end of the previous day, add the interest on the previous 1. T he purchase must have been made in your home state or within 100 miles of
day’s balance and new charges, subtract new credits or payments, and make your current mailing address, and the purchase price must have been more
adjustments. The Balance Subject to Interest Rate is the average of the daily than $50. (Note: Neither of these is necessary if your purchase was based on
balances. We use the average daily balance method (including current an advertisement we mailed to you, or if we own the company that sold you
transactions) if the Balance Subject to Interest Rate is followed by (A). To get an the goods or services.)
average daily balance, we take the balance at the end of the previous day, add
new charges, subtract new credits or payments, and make adjustments. We add 2. You must have used your credit card for the purchase. Purchases made with
all the daily balances and divide by the number of days in the billing period. cash advances from an ATM or with a check that accesses your credit card
We figure the interest charge by multiplying the average daily balance by the account do not qualify.
monthly periodic rate, or by the daily periodic rate and by the number of days
in the billing period, as applicable. 3. You must not yet have fully paid for the purchase.

Minimum Interest Charge. If we charge interest, it will be at least $0.50. If all of the criteria above are met and you are still dissatisfied with the
purchase, contact us online or in writing at the Customer Service address shown
How to Avoid Paying Interest on Purchases. Your due date is at least 23 days on front of statement.
after the close of each billing period. We will not charge you any interest on
purchases if you pay your New Balance by the due date each month. This is While we investigate, the same rules apply to the disputed amount as discussed
called a grace period on purchases. If you do not pay the New Balance in full by above. After we finish our investigation, we will tell you our decision. At that point, if
the due date, you will not get a grace period on purchases until you pay the we think you owe an amount and you do not pay, we may report you as delinquent.
New Balance in full for two billing periods in a row. We will begin charging
interest on cash advances and balance transfers on the transaction date. Notification of Disputed Item

Your Rights You can file a billing dispute or check the status of an existing dispute online at
the url above. You can also check the status of an existing billing dispute by
What To Do If You Find A Mistake On Your Statement. contacting the customer service number on the top of this page.
If you think there is an error on your statement, visit us online at the url above or
write to the Customer Service address shown on the front. Other Account and Payment Information

In your letter, give us the following information: When Your Payment Will Be Credited. If we receive your payment in proper
form at our processing facility by 5 p.m. local time there, it will be credited as of
• Account information: Your name and account number. that day. A payment received there in proper form after that time will be credited
as of the next day. Allow 5 to 7 days for payments by regular mail to reach us.
• Dollar amount: The dollar amount of the suspected error. There may be a delay of up to 5 days in crediting a payment we receive that is not
in proper form or not sent to the correct address. The correct address for regular
• Description of problem: If you think there is an error on your bill, describe mail is the address on the front of the payment coupon. The correct address for
what you believe is wrong and why you believe it is a mistake. courier or express mail is the Express Payments Address shown below.

You must contact us within 60 days after the error appeared on your statement. Proper Form. For a payment sent by mail or courier to be in proper form, you must:

You must notify us of any potential errors in writing. You may call us, but if you • Enclose a valid check or money order. No cash or foreign currency please.
do we are not required to investigate any potential errors and you may have to • Include your name and the last four digits of your account number.
pay the amount in question.
How to Report a Lost or Stolen Card. Call the Customer Service number at the
While we investigate whether or not there has been an error, the following are true: top of the page.

• We cannot try to collect the amount in question, or report you as delinquent on Balance Transfers. Balance Transfer amounts are included in the “Purchases”
that amount. line in the Account Summary.

• The charge in question may remain on your statement, and we may continue Membership Fee. Some accounts are charged a membership fee. To avoid paying
to charge you interest on that amount. But, if we determine that we made a this fee, notify us that you are closing your account within 30 days of the mailing
mistake, you will not have to pay the amount in question or any interest or or delivery date of the statement on which the fee is billed.
other fees related to that amount.
Credit Reporting Disputes. We may report information about your account to
• W hile you do not have to pay the amount in question, you are responsible for credit bureaus. If you think we’ve reported inaccurate information, please write
the remainder of your balance. to us at the Customer Service address on your statement.

• W e can apply any unpaid amount against your credit limit. Payment Amount
You may pay all or part of your account balance at any time. However, you must
pay, by the payment due date, at least the minimum payment due.

PDF-CTY1115 ©2015 Citibank, N.A. Citi, Citi with Arc Design, Citi ThankYou, ThankYou and
Citi ThankYou Rewards Design are registered service marks of Citigroup Inc.

Payments other than by mail
Online. Go to the URL on the front of your statement to make a payment. When
you enroll in Online Bill Pay you can schedule your payments up to ninety days
in advance using the “Other” payment option. For security reasons, you may
not be able to pay your entire new balance the first time you make a payment
online.
Phone. Call the phone number on the front of your statement to make a payment.
There is no fee for this service.
AutoPay. Visit autopay.citicards.com to enroll in AutoPay and have your
payment amount automatically deducted each month on your payment date
from the payment account you choose.
Express mail. Send payment by express mail to:
C iti Cards

Attention: Bankcard Payments Department
6716 Grade Lane
Building 9, Suite 910
Louisville, KY 40213
Crediting Payments other than by Mail. The payment cutoff time for Online
Bill Payments, Phone Payments, and Express mail payments is midnight Eastern
time. This means that we will credit your account as of the calendar day, based
on Eastern time, that we receive your payment request.
If you send an eligible check with this payment coupon, you authorize us to
complete your payment by electronic debit. If we do, the checking account
will be debited in the amount on the check. We may do this as soon as the
day we receive the check. Also, the check will be destroyed.