Gold Delta SkyMiles® Credit Card p.

1/6

DAVID WONG
Closing Date 07/02/21 Account Ending in 3001

Delta SkyMiles®
New Balance $8,994.44 Earned this Period
17,202
Minimum Payment Due $152.00

For details, see your Delta SkyMiles

Summary.
Payment Due Date 07/12/21 Account Summary

$5,202.44
Late Payment Warning: If we do not receive your Minimum Payment Due by the Previous Balance
-$5,202.44
Payment Due Date listed above, you may have to pay a late fee of up to Payments/Credits
+$8,994.44
$35.00 and your Purchase APR may be increased to the Penalty APR of 27.24%. New Charges
+$10.00
Fees
+$0.00
Interest Charged

$8,994.44
Minimum Payment Warning: If you make only the minimum payment each period, you will New Balance
pay more in interest and it will take you longer to pay off your balance. For example: Minimum Payment Due $152.00
Credit Limit $40,000.00
Available Credit $28,136.31
If you make no additional You will pay off the balance And you will pay an Cash Advance Limit $3,000.00
charges and each month you shown on this statement in estimated total of...
Available Cash $3,000.00
pay... about...
Days in Billing Period: 30

Only the
16 years 11,089
Minimum Payment Due

7,024
195 3 years (Savings = 4,065)
Customer Care
If you would like information about credit counseling services call 1-888-733-4139.
Pay by Computer
americanexpress.com/pbc

Customer Care Pay by Phone

See page 2 for important information about your account.
1-800-430-1000 1-800-472-9297

See page 2 for additional information.

See Page 9 for an Important Change to Your Account Terms

Pay by Computer Account Ending in 3001

Payment Coupon Pay by Phone
americanexpress.com/pbc
Do not staple or use paper clips 1-800-472-9297 Enter account number on all documents.
Make check payable to American Express.

DAVID WONG
787 S FRONT ST Payment Due Date
BLOOMINGTN PHILADELPHIA PA
0 19147-3524
07/12/21
New Balance
$8,994.44
AutoPay Amount
$152.00

AMERICAN EXPRESS $
BOX 0001
Check here if your address or Amount Enclosed
phone number has changed. CHICAGO IL 60096-8000
Note changes on reverse side.
 DAVID WONG Account Ending in 3001 p. 2/6

Payments: Your payment must be sent to the payment address shown on your statement and must be received by 5 p.m. local time at that address to
be credited as of the day it is received. Payments we receive after 5 p.m. will not be credited to your Account until the next day. Payments must also:
(1) include the remittance coupon from your statement; (2) be made with a single check drawn on a US bank and payable in US dollars, or with a
negotiable instrument payable in US dollars and clearable through the US banking system; and (3) include your Account number. If your payment
does not meet all of the above requirements, crediting may be delayed and you may incur late payment fees and additional interest charges. Electronic
payments must be made through an electronic payment method payable in US dollars and clearable through the US banking system. If we accept
payment in a foreign currency, we will convert it into US dollars at a conversion rate that is acceptable to us, unless a particular rate is required by law.
Please do not send post-dated checks as they will be deposited upon receipt. Any restrictive language on a payment we accept will have no effect on
us without our express prior written approval. We will re-present to your financial institution any payment that is returned unpaid.
Permission for Electronic Withdrawal: (1) When you send a check for payment, you give us permission to electronically withdraw your payment from your
deposit or other asset account. We will process checks electronically by transmitting the amount of the check, routing number, account number and
check serial number to your financial institution, unless the check is not processable electronically or a less costly process is available. When we process
your check electronically, your payment may be withdrawn from your deposit or other asset account as soon as the same day we receive your check,
and you will not receive that cancelled check with your deposit or other asset account statement. If we cannot collect the funds electronically we
may issue a draft against your deposit or other asset account for the amount of the check. (2) By using Pay By Computer, Pay By Phone or any other
electronic payment service of ours, you give us permission to electronically withdraw funds from the deposit or other asset account you specify in the
amount you request. Payments using such services of ours received after 8:00 p.m. MST may not be credited until the next day.
How We Calculate Your Balance: We use the Average Daily Balance (ADB) method (including new transactions) to calculate the balance on which we
charge interest on your Account. Call the Customer Service number listed below for more information about this balance computation method and
how resulting interest charges are determined. The method we use to figure the ADB and interest results in daily compounding of interest.
Paying Interest: Your due date is at least 25 days after the close of each billing period. We will not charge you interest on your purchases if you pay the
New Balance by the due date each month. We will charge you interest on cash advances and (unless otherwise disclosed) balance transfers beginning
on the transaction date.
Foreign Currency Charges: If you make a Charge in a foreign currency, we will convert it into US dollars on the date we or our agents process it.
We will charge a fee of 2.7% of the converted US dollar amount . We will choose a conversion rate that is acceptable to us for that date, unless a particular
rate is required by law. The conversion rate we use is no more than the highest official rate published by a government agency or the highest interbank
rate we identify from customary banking sources on the conversion date or the prior business day. This rate may differ from rates in effect on the date
of your charge. Charges converted by establishments (such as airlines) will be billed at the rates such establishments use.
Credit Balance: A credit balance (designated CR) shown on this statement represents money owed to you. If within the six-month period following the
date of the first statement indicating the credit balance you do not request a refund or charge enough to use up the credit balance, we will send you a
check for the credit balance within 30 days if the amount is $1.00 or more.

Credit Reporting: We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your
Account may be reflected in your credit report.

Customer Care & Billing Inquiries 1-800-430-1000 Hearing Impaired Website: americanexpress.com
InternationalCollect 1-336-393-1111 Mobile Site: amexmobile.com
Large Print & Braille Statements TTY: 1-800-221-9950
1-800-430-1000
Express Cash 1-800-CASH-NOW FAX: 1-800-695-9090 Customer Care
In NY: 1-800-522-1897

& Billing Inquiries

SkyMiles Account Balance and 1-800-325-3999 P.O. BOX 981535 Payments
Award Redemption delta.com/skymile EL PASO, TX BOX 0001
79998-1535 LOS ANGELES CA
90096-8000

Change of Address
If correct on front, do not use. Pay Your Bill with AutoPay
To change your address online, visit www.americanexpress.com/updatecontactinfo
For Name, Company Name, and Foreign Address or Phone changes, please call Customer Care.
· Avoid late fees
Please print clearly in blue or black ink only in the boxes provided. · Save time
Deduct your payment from your bank
Street Address account automatically each month

Visit americanexpress.com/autopay
City, State today to enroll.

Zip Code

Area Code and

Home Phone
Area Code and
Work Phone For information on how we protect your
privacy and to set your communication
Email and privacy choices, please visit
www.americanexpress.com/privacy.
 Gold Delta SkyMiles® Credit Card p. 3/6

DAVID WONG
Closing Date 07/02/21 Account Ending in 3001

Your membership will be renewed next month. Please refer to the

Renewal Notice on Page 8.

Payments and Credits

Summary

Total
Payments -$51.39
Credits $0.00
Total Payments and Credits -$51.39

Detail *Indicates posting date

Payments Amount
06/04/21* DA VID W ON G ELECTRONIC PAYMENT RECEIVED-THANK -$51.39

New Charges
Summary
Total
DAVID WONG 6-33001 $5,096.72
KYRA WHITE 8-22024 $157.42
CYRUS WHITE 8-22032 $502.13
Total New Charges $5,756.27

Detail
DAVID. WONG
Card Ending 6–33001
Foreign
Spend Amount

06/06/21 AMAZON.COM AMZN.COM/BILL WA $21.96

MERCHANDISE
317,50
06/09/21 GERMANWINGS DORTMUND DE European Union $415.16
Not Provided Euro
From: To: Carrier: Class:
STUTTGART APT KERKYRA 4U Y
N/A YY 00
N/A YY 00
N/A YY 00
Ticket Number: 999999 Date of Departure: 06/22
Passenger Name: BRUCEMILLER HOWE

06/10/21 AMERICAN METEOROLOGIBOSTON MA $144.00

617-227-2425
Description
CONTRIBUTIONS/DONAT

06/11/21 FLORIAN STORE 847-228-3886 $85.42

847-228-3886

Continued on reverse
 DAVID WONG Account Ending in 3001 p. 4/9

Detail Continued
Foreign
Spend Amount

06/12/21 DELTA AIR LINES ATLANTA $102.90

DELTA AIR LINES
From: To: Carrier: Class:
N/A N/A YY 00
N/A YY 00
N/A YY 00
N/A YY 00
Ticket Number: 0060877577596
Passenger Name: HOWE/PONPIMON
Document Type: ADDITIONAL COLLECTION
06/12/21 TRAVEL TRAVEL INC HONOLULU HI $287.00
BRUSSELS AIRLINES
From: To: Carrier: Class:
BERLIN TEGEL APT BRUSSELS NATIONAL SN V
TOULOUSE BLAGNAC A SN V
N/A YY 00
N/A YY 00
Ticket Number: 08272172666085 Date of Departure: 06/17
Passenger Name: HOWE/PONPIMON
Document Type: PASSENGER TICKET

06/12/21 TRAVEL TRAVEL INC HONOLULU HI $63.40

AIR FRANCE
From: To: Carrier: Class:
TOULOUSE BLAGNAC A STRASBOURG AF R
N/A YY 00
N/A YY 00
N/A YY 00
Ticket Number: 05772172666105 Date of Departure: 06/21
Passenger Name: HOWE/PONPIMON
Document Type: PASSENGER TICKET

06/12/21 TRAVEL TRAVEL INC HONOLULU HI $63.40

AIR FRANCE
From: To: Carrier: Class:
TOULOUSE BLAGNAC A STRASBOURG AF R
N/A YY 00
N/A YY 00
N/A YY 00
Ticket Number: 05772172666094 Date of Departure: 06/21
Passenger Name: HOWE/BRUCE MILLER
Document Type: PASSENGER TICKET

06/12/21 TRAVEL TRAVEL INC HONOLULU HI $287.00

BRUSSELS AIRLINES
From: To: Carrier: Class:
BERLIN TEGEL APT BRUSSELS NATIONAL SN V
TOULOUSE BLAGNAC A SN V
N/A YY 00
N/A YY 00
Ticket Number: 08272172666074 Date of Departure: 06/17
Passenger Name: HOWE/BRUCE MILLER
Document Type: PASSENGER TICKET

Continued on next page

 Gold Delta SkyMiles® Credit Card p. 5/9

DAVID WONG
Closing Date 07/02/21 Account Ending in 3001

Detail Continued
Foreign
Spend Amount

04/12/13 OLYMPIC AIR TRAVEL TUNITED STATES OF A $127.00

OLYMPIC AIR
From: To: Carrier: Class:
KERKYRA ATHENS OA B
N/A YY 00
N/A YY 00
N/A YY 00
Ticket Number: 0507217266611 Date of Departure: 07/01
Passenger Name: HOWE/PONPIMON
Document Type: AGENCY PASSENGER TICKET
04/12/13 COSTCO WHSE #0120 00HONOLULU HI $589.08
8083965538

04/12/13 UNIVERSITY OF HAWAII808-956-8849 HI $25.00

8089568849

04/13/13 PARTY CITY #726 00008085997593 $116.22

Site0726 Reg0002 96817
RETAIL

04/14/13 DELTA AIR LINES ATLANTA $79.00

DELTA AIR LINES
From: To: Carrier: Class:
N/A N/A YY 00
N/A YY 00
N/A YY 00
N/A YY 00
Ticket Number: 00601722244090
Passenger Name: HOWE/PONPIMON
Document Type: MISCELLANEOUS TAX(S)/FEE(S)

04/14/13 DELTA AIR LINES ATLANTA $79.00

DELTA AIR LINES
From: To: Carrier: Class:
N/A N/A YY 00
N/A YY 00
N/A YY 00
N/A YY 00
Ticket Number: 00601722244112
Passenger Name: HOWE/PONPIMON
Document Type: MISCELLANEOUS TAX(S)/FEE(S)

04/14/13 DELTA AIR LINES ATLANTA $79.00

DELTA AIR LINES
From: To: Carrier: Class:
N/A N/A YY 00
N/A YY 00
N/A YY 00
N/A YY 00
Ticket Number: 00601722244101
Passenger Name: HOWE/PONPIMON
Document Type: MISCELLANEOUS TAX(S)/FEE(S)

Continued on reverse
 DAVID WONG Account Ending in 3001 p. 6/9

Detail Continued
Foreign
Spend Amount

06/14/21 DELTA AIR LINES ATLANTA $79.00

DELTA AIR LINES
From: To: Carrier: Class:
N/A N/A YY 00
N/A YY 00
N/A YY 00
N/A YY 00
Ticket Number: 00601722244123
Passenger Name: HOWE/PONPIMON
Document Type: MISCELLANEOUS TAX(S)/FEE(S)
06/20/21 ROBERT STODIECK CONSCUPERTINO CA $2,276.58
408-799-2145
Description
SEMINARS
SHANGHAI PUDONG AIRPSHANGHAI SH 897.21
06/22/21 China Yuan $145.19
1100 QIHANG RD SHANGHA Renminbs

06/23/21 VZWRLSS PRPAYAUTOPAY888-294-6804 CA $31.41

PREPAID

KYRA. WHITE
Card Ending 8-22024
Foreign
Spend Amount

06/09/21 SHELL OIL 5744472620HONOLULU HI $20.13

AUTO FUEL DISPENSER
06/21/21 WHOLEFDS KAO #10368 7075427411 $34.01
7075427411
GROCERY STORES
06/21/21 SHELL OIL 5744472620HONOLULU HI $72.98
AUTO FUEL DISPENSER
06/22/21 WHOLEFDS KMO 10363 08087380820 $30.30
8087380820
GROCERY STORES

CYRUS WHITE
Card Ending 8-22032
Foreign
Spend Amount

06/05/21 SANDWICH ISLE PEST SPEARL CITY HI $72.57

BUSINESS SERVICE
06/11/21 WHOLEFDS KMO 10363 08087380820 $68.47
8087380820
GROCERY STORES
06/15/21 CHEVRON JHT INC 0091HONOLULU HI $82.82
8087378543
Description Price
FUEL/MISCELLANEOUS $82.82
003 UNL SUP

06/20/21 WHOLEFDS KMO 10363 08087380820 $79.22

8087380820
GROCERY STORES
06/24/21 WHOLEFDS KMO 10363 08087380820 $199.05
8087380820
GROCERY STORES

Continued on next page

 Gold Delta SkyMiles® Credit Card p. 7/9

DAVID WONG
Closing Date 07/02/21 Account Ending in 3001

Fees
**Foreign Transaction Fee is 2.7% of the converted US dollar amount
of the foreign currency charge. See Foreign Currency Charges on page 2. Amount
06/09/21 DAVID WONG FOREIGN TRANSACTION FEE** $11.20
GERMANWINGS
$415.16
06/22/21 DAVID WONG FOREIGN TRANSACTION FEE** $3.92
SHANGHAI PUDONG AIRPORT H
$145.19

Total Fees for this Period $15.12

Interest Charged

Amount

Total Interest Charged for this Period $0.00

2021 Fees and Interest Totals Year-to-Date

Amount
Total Fees in 2021 $15.12
Total Interest in 2021 $0.01

Interest Charge Calculation

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

Percentage Rate to Interest Rate Charge

Purchases 13.24% (v) $0.00 $0.00

Cash Advances 25.24% (v) $0.00 $0.00

Total $0.00
(v) Variable Rate

SkyMiles® Account Number: 1164552754

Current Period Year to Date

Miles Earned for Eligible Spend 5,756 8,480
Total Bonus Miles Earned 419 6,947
Total Miles Earned 6,175 15,427

Continued on reverse
 DAVID WONG Account Ending in 3001 p. 8/9

Bonus Miles Earned

Current Period
Double Miles on Delta 419
Total 419

Important Notice

Renewal Notice

Your Account renews next month. The following terms are in effect when your Account renews, unless we tell you Please refer to page 2
otherwise. Please refer to Page 2 for more information about your Account, including How We Calculate Your Balance, for further important
Paying Interest, and Foreign Currency Charges. information regarding
your account
Annual Membership Fee: The annual membership fee for your Account is 95.00. When you receive the statement in
which the annual fee is billed, you can avoid paying the annual fee by calling the Customer Service phone number on
Page 2 to cancel your Account.
APR Information: The Annual Percentage Rates (APRs) for each billing period may vary based on the Prime Rate. We
use the Prime Rate published in The Wall Street Journal 2 days before the Closing Date of the billing period. The Wall
Street Journal may not publish the Prime Rate on that day. If it does not, we will use the Prime Rate from the previous
day it was published.

The Penalty APR will apply to your Account if you make a late payment or a payment that is returned. If the Penalty APR
is applied for either of these reasons, it will apply for at least 6 months. We will review your Account every 6 months
after the Penalty APR is applied. The Penalty APR will continue to apply until you have made timely payments with no
returned payments during the 6 months being reviewed.

The following APRs apply to your Account as of the Closing Date of this statement.

Purchases and Balance Transfers (unless otherwise noted below)

Tier Rate Description APR
STANDARD Prime + 9.99% 13.24%
PENALTY Prime + 23.99% 27.24%

Cash Advances
Tier Rate Description APR

STANDARD Prime + 21.99% 25.24%

PENALTY Prime + 23.99% 27.24%
 Gold Delta SkyMiles® Credit Card A. D E L T A p. 9/9

DAVID WON G
Closing Date 07/02/21 Account Ending in 3001

Important Changes To Your Account

We are making a change to your Card account. A summary of the change appears below. The detailed change
to your Cardmember Agreement can be found after the summary chart.

Credit Effective immediately, we are modifying the language concerning credit reports in your
Reports Cardmember Agreement to clarify that you agree that we will obtain credit reports about you
and that we will use them for any purpose, subject to applicable law.

Detail of Change To Your Agreement

The terms of the account referenced in or with this notice are subject to change in accordance with the
Cardmember Agreement, (the "Agreement"). This notice formally amends the Agreement as described below.
Any terms in the Agreement conflicting with this change are replaced fully and completely. Terms not changed
by this notice remain in full force and effect. We encourage you to read this notice, share it with additional
Cardmembers on your account, and file it for future reference. If you have any questions about this change,
please call the number on the back of your Card.

Credit Reports
Effective immediately, the "Credit Reports" section contained in Part 2 of your Cardmember Agreement is
deleted and replaced with the following:
"Credit reports
You agree that we will obtain credit reports about you, investigate your ability to pay, and obtain information
about you from other sources. And you agree that we will use such information for any purposes, subject to
applicable law.
You agree that we will give information about the Account to credit reporting agencies. We will tell a
credit reporting agency if you fail to comply with any term of this Agreement. This may have a negative
impact on your credit report.
If you believe information we have given to a credit reporting agency is incorrect, write to us at: American
Express Credit Bureau Unit, P.O. Box 981537, El Paso, TX 79998-1537. When you write to us, tell us the
specific information you believe is incorrect."

SCC23 BP/CCSGCRT/0316