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    Soa-20191002 20191012 094715 PDF

    Uploaded by

    Ferdinand Abalos Namqui
    This document is a statement of account for Ferdinand Abalos Namqui for the period of September 02, 2019 to October 01, 2019. It details transactions, fees, payments, balances and other account information for the statement period. The statement balance is PHP 13,466.45 and the minimum payment due is PHP 1,781.60 by the payment due date of October 16, 2019. It also provides reminders about fees, installment plans, customer service contacts and how to update personal information.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd

    Soa-20191002 20191012 094715 PDF

    Uploaded by

    Ferdinand Abalos Namqui
    563 views4 pages
    This document is a statement of account for Ferdinand Abalos Namqui for the period of September 02, 2019 to October 01, 2019. It details transactions, fees, payments, balances and other account information for the statement period. The statement balance is PHP 13,466.45 and the minimum payment due is PHP 1,781.60 by the payment due date of October 16, 2019. It also provides reminders about fees, installment plans, customer service contacts and how to update personal information.

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    SOA-20191002_20191012_094715.pdf

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    This document is a statement of account for Ferdinand Abalos Namqui for the period of September 02, 2019 to October 01, 2019. It details transactions, fees, payments, balances and other account information for the statement period. The statement balance is PHP 13,466.45 and the minimum payment due is PHP 1,781.60 by the payment due date of October 16, 2019. It also provides reminders about fees, installment plans, customer service contacts and how to update personal information.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    563 views4 pages

    Soa-20191002 20191012 094715 PDF

    Uploaded by

    Ferdinand Abalos Namqui
    This document is a statement of account for Ferdinand Abalos Namqui for the period of September 02, 2019 to October 01, 2019. It details transactions, fees, payments, balances and other account information for the statement period. The statement balance is PHP 13,466.45 and the minimum payment due is PHP 1,781.60 by the payment due date of October 16, 2019. It also provides reminders about fees, installment plans, customer service contacts and how to update personal information.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    of 4

    Page 1 / 4

    e-Statement of Account for the period of September 02, 2019 to October 01, 2019

    FERDINAND ABALOS NAMQUI Account Number 3902458267


    111 Statement Date October 02, 2019
    CASANICOLASAN
    Payment Due Date October 16, 2019
    ROSALES 2441
    PANGASINAN Credit Limit Php 50,000.00
    Cash Advance Limit Php 25,000.00
    Past Due Amount Php 0.00
    Statement Balance Php 13,466.45
    Minimum Amount Due Php 1,781.60
    Your Statement Summary

    Previous Total Statement


    Purchases & Redeemed Installment
    Statement Payment Fees & Charges Balance
    Advances Cashback
    Balance

    Php 17,631.25 Php 17,631.25 Php 11,000.00 Php 0.00 Php 902.09 Php 1,564.36 Php 13,466.45

    Smile Rewards Cashback Program

    Earned Cashback Redeemed Cashback Total Available


    (for this statement period) (for this statement period) Cashback Earn 1% rebate for all your spend and
    enjoy discounts or freebies at partner
    merchants using your Home Credit Card.
    Php 0.00 Php 0.00 Php 51.00

    Call (02) 753-5711 to redeem your Smile Rewards Cashback.

    Payment Instructions
    Gamitin ang iyong 10-digit account number sa tuwing magbabayad ng iyong credit card balance sa aming mga accredited payment
    centers. Upang maiwasan na ma-suspend ang iyong card at magbayad ng Late Payment Fee, huwag kalimutang i-settle ang iyong
    Minimum Amount Due bago o sa mismong araw ng iyong Payment Due Date.

    Our Payment Partners:

    For the complete list of payment partners and payment guidelines, please visit www.homecredit.ph or call our Customer Service Hotline at (02) 753-5711.

    Ang pagbayad ng mas mababa sa halagang nakasaad sa iyong Statement Balance ay maaaring
    maging dahilan ng pagtaas ng interest charge at iba pang fees.
    Page 2 / 4

    Account Number: 3902458267

    Transaction Details
    Transaction Details
    Transaction Post Transaction Cashback
    Details
    Date Date Amount Amount
    Previous Statement Balance Php 17,631.25

    09/04/2019 09/04/2019 Payment - Thank you! - Php 1,500.00 Php 0.00

    09/05/2019 09/06/2019 Cash Advance Php 9,000.00 Php 0.00

    09/06/2019 09/06/2019 Cash Advance Fee Php 400.00 Php 0.00

    09/16/2019 09/16/2019 Payment - Thank you! - Php 16,131.25 Php 0.00

    09/20/2019 09/23/2019 Cash Advance Php 2,000.00 Php 0.00

    09/23/2019 09/23/2019 Cash Advance Fee Php 400.00 Php 0.00

    10/01/2019 10/01/2019 Monthly Membership Fee Php 125.00 Php 0.00

    10/01/2019 10/01/2019 SUPER SM HYPERMARKET - ROSALES PH Php 902.09 Php 0.00

    10/01/2019 10/01/2019 Interest charges Php 639.36 Php 0.00

    Installment Plans
    Installment Plans
    Transaction Post Monthly
    Details Months
    Date Date Installment Amount

    07/14/2019 07/14/2019 SUPER SM HYPERMARKET Php 902.09 3 /6


    Page 3 / 4

    Ongoing Promos

    Visit www.homecredit.ph. for promo details.

    Important Reminders Card Services


    Statement Date and Payment Due Date Installment Plan
    Ang iyong Statement Date ay ang simula ng iyong billing period. Ito ay Para mas mapagaan ang pagbayad ng iyong bill, maaari mong i-convert
    nangangahulugan na ang lahat ng iyong credit card transactions bago ang iyong big purchases into affordable monthly installments. Tumawag
    sumapit ang petsang ito ay kailangang mabayaran sa iyong Payment Due lang sa aming Customer Service Hotline para mag-request bago ang
    Date. Ang Payment Due Date naman ay sa ika-15 na araw makalipas iyong Payment Due Date. Tandaan na ang iyong unang monthly
    ang Statement Date. Kung ito ay sakaling matapat sa mga araw ng installment ay naka-charge sa corresponding billing cycle.
    Sabado, Linggo, o regular national holiday, ang Payment Due Date ay
    malilipat sa susunod na business day. Halimbawa:
    Transaction Date: September 20
    Fees and Charges Statement Cut-off Date: October 1
    Magpapadala ang Home Credit ng notifications kung mayroon mang
    Payment Due Date: October 16
    update sa Credit Card Fees and Charges o maaari n’yo ring i-check ang
    aming website sa www.homecredit.ph.

    Tandaan ang sumusunod na Fees and Charges: Scenario 1 Scenario 2


    • Interest Charges - Kung ang nabayaran ay ang Minimum Amount Due Conversion to Installment September 25 October 5
    lamang o mas mababa pang halaga sa iyong Statement Balance, ikaw ay Date
    maaaring mapatawan ng Interest Charge. Para sa ATM withdrawals or
    Cash Advance,ang iyong account ay mapapatawan ng interest charges Statement Cut-off Date of
    1st Monthly Installment October 1 November 1
    simula sa araw na ginawa ang transaction.
    Terms and Conditions apply.
    • Cash Advance Fee - halagang nakapataw sa bawat withdrawal
    transaction gamit ang iyong Home Credit Card.
    • Late Payment Fee - ito ang additional fee na ipapataw kung mas Customer Service
    mababa sa Minimum Amount Due o sakaling hindi mabayaran ang iyong
    Hotline (02) 753-5711
    Minimum Amount Due bago o sa mismong araw ng iyong Payment Due
    Date. International Calls +632 753-5711
    Questions on your e-Statement E-mail info@homecredit.ph
    Makipagugnayan sa aming Customer Service kung may katanungan
    tungkol sa iyong e-Statement. Ang pag-file ng report o complaint ay sa Chat www.homecredit.ph
    loob lamang ng thirty (30) calendar days; kung kami ay walang
    matanggap na anumang report sa loob ng itinakdang panahon na ito, ang
    impormasyong nakasaad sa iyong e-Statement ay kikilalaning wasto at
    naaayon sa panuntunan ng Home Credit.

    Lost, Stolen or Damaged Card


    Kung ang iyong card ay nawala o nasira, tumawag agad sa aming
    Customer Service Hotline. Ito ay maaaring i-block ng Home Credit upang
    maiwasan ang anumang unauthorized transaction. Ang iyong
    replacement card ay matatanggap sa loob ng 5-10 na araw matapos ang
    iyong request.

    Personal Information Update


    Para matanggap ang mahahalagang updates mula sa Home Credit at
    bilang alinsunod na rin sa mga panuntunan ng Anti-Money Laundering
    Act of the Philippines, siguraduhing updated ang iyong mobile number,
    email address, at iba pang personal information sa iyong account.
    Tumawag sa aming Customer Service Hotline para mag-update.

    High Security Standards


    Dahil sa EMV technology, makasisigurong safe and secured ang lahat ng
    private information at transactions sa iyong card. Para sa additional
    security against fraud, ang iyong mga transactions ay maaaring ma-verify
    sa pamamagitan ng PIN at ikaw ay makakatanggap ng SMS sa bawat
    transaction gamit ang iyong card. Para sa mga online purchases naman,
    makakatanggap ka ng One-Time Password (OTP) via text ngunit ito ay
    available lamang sa mga online stores na mayroong 3DS feature.
    Page 4 / 4

    Sample Interest Computations

    RETAIL TRANSACTION
    Assumptions:
    • Transaction Amount: Php 20,000.00
    • Statement Cut-off Date: every 15th of the month
    • Payment assumption is that cardholder will only pay the minimum
    amount due

    Notes:
    • Monthly Interest Rate: 3.99%

    CASH ADVANCE
    Assumptions:
    • Cash Advance: Php 20,000.00
    • Statement Cut-off Date: every 15th of the month
    • Payment assumption is that cardholder will only pay the minimum
    amount due

    Notes:
    • Monthly Interest Rate: 3.99%
    • Cash Advance Fee: 3.99% or PHP 400.00 whichever is higher
    * Cash Advance Fee + Monthly Interest Rate for the 1st month

    INSTALLMENT PLAN
    • Principal Amount: Php 20,000.00
    • Term: 12 months
    • Installment Interest Rate: 2.50%
    • Monthly Installment Amount: Php 1,945.74

    Minimum Amount Due


    Minimum Amount Due is computed as the sum of your Past Due Amount (if any), Amount Due from regular transactions (7% of statement balance or
    Php 700.00, whichever is higher) and your installments from all your installment plans.
    Example:
    Past Due Amount: Php 500.00
    Statement Balance: Php 10,000.00
    Monthly Installment Amount: Php 815.74

    7% of Statement Balance
    Past Due Amount Installment Minimum Amount Due
    Less Installment

    Php 500.00 + Php 700.00 + Php 815.74 = Php 2,015.74

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