Forms Statement [PDF]

Zitiervorschau

SmartSaver Credit Card

e-statement

MADHU RAPETI ONE LAKE PLAZA, 8TH FLR P.O.BOX DUBAI, POBox 63932 UNITED ARAB EMIRATES, DUBAI

‫ب‬âZO vc¢

Statement of account

Dear Customer

The SmartSaver Credit Card is UAE’s only Every Day Savings card that offers you cashback of up to 10% on every day spends at over 450 partner outlets across 50 brands in 15 categories including Supermarkets, Home Furnishings, Fashion & Accessories, Health & Wellness, Auto Rentals & Accessories, Travel, Jewelry and much more. In addition, you can also save 5% on utility and education expenses and 1.25% on all other purchases within the UAE. Visit Mashreq.com/smartsaver. T & C apply.

Card No

5241 XXXX XXXX 1715

Outstanding balance

8,185.62

Minimum payment due

1,549.00

Avoid financial charges

1,870.62

Statement date

12/11/2015

Payment due date

Immediate

¶zâlD¥‫§ ا‬z‫ر‬ yPGZ©¥‫ ا‬s¦D©¥‫ا‬

yPGZ©¥‫د¬· ا‬ë‫ ا‬s¦D©¥‫ا‬ ‫م‬±YV¥‫دي ا‬âxG¥ yPGZ©¥‫ ا‬s¦D©¥‫ا‬ ‫ب‬âZP¥‫ ا‬vc¢ Q³‫ر‬âF ‫ق‬â|PGY ï‫ ا‬Q³‫ر‬âF

Mashreqbank psc, formerly Bank of Oman Ltd, is a public shareholding company incorporated in Dubai (1967)

(1967) ²C‫ د‬²w EZYAF ¶¨âq ¶©°âZ¨ ¶¢Vb ±° ¹‫ود‬TP©¥‫ن ا‬â©q ،-C â|CâY ‫ق ش م ع‬Vc©¥‫ ا‬،-C

dS¦¨

Summary

AED

Previous balance

7,721.90

- payments

0.00

‫ت‬ârwT¥‫ا‬

- other credits

0.00

‫ى‬VR‫¶ أ‬-é‫د دا‬±´z

+ finance charges

0.00

¤³±©G¥‫م ا‬±Y‫ر‬

+ other charges

463.72

Presently your account is overlimit by 185.62 dirhams. please remit the minimum payment at the earliest in order to avoid further overlimit

+ new transactions

0.00

fees.

+ current balance

8,817.12

Your total epp outstanding balance is AED 7,578.00

+ cash advance

0.00

For the full list of select partner mashreq.com/smartsaver.

outlets, please

visit

Your account is past due. Please remit the minimum due at the earliest. To avoid late payment charges, pay directly to your card account or maintain minimum due amount in your mashreqbank account on the payment due date.

yCâZ¥‫ ا‬T´eV¥‫ا‬

‫ى‬VR‫م أ‬±Y‫ر‬ ‫ة‬T³TL ‫ت‬û¨âr¨ ²¥âP¥‫ ا‬T´eV¥‫ا‬ ¶³T|¬ ¶x¦Y

0.00

New Balance After Cashback Redemption /Adjustments You should verify the items and balances shown on this statement of account and report any discrepancies to the bank in writing within 14 days of the statement date, otherwise the content will be assumed to be accurate. All charges, terms and conditions are subject to change. .xc£¥‫ا ا‬U° ²w ¶-´D©¥‫ ا‬s¥âD©¥‫ت و ا‬û¨âr©¥‫¶ ا‬Pe «¨ T¢AG¥‫ء ا‬âLV¥‫ا‬ «¨ ⨱³ 14 ‫ل‬ûR ،-D¥‫· ا‬¥‫ب إ‬âlR ‫ل‬âY‫· إر‬LV³ ,AlR ‫ف أي‬âcG¢‫ل إ‬âO ²w‫و‬ .âP´Pe vc£¥‫ا ا‬U° ²w ‫ء‬âL ⨠VDGr³ ·¥‫ب و إ‬âZP¥‫ ا‬vc¢ ¶q âDk Q³‫ر‬âF .V´´uG¦¥ ¶¦Câz ‫وط‬Vc¥‫م و ا‬â£Oë‫م و ا‬±YV¥‫ ا‬p´©L

+ Total deal instalments

631.50

‫ت‬â|xf¦¥ ²¥â©Lï‫ ا‬s¦D©¥‫ا‬

Past due amount

681.50

‫ق‬â|PGYï‫ ا‬Q³‫ر‬âF ‫وز‬âMG¨ s¦D¨

Total credit limit

8,000.00

Available credit limit

0.00

Vw±G©¥‫ن ا‬â©Géï‫ ا‬BPY TO

Available cash limit

0.00

Vw±G©¥‫ي ا‬T|-¥‫ ا‬BPZ¥‫ ا‬TO

Please detach and send with payment to Mashreqbank, Card Centre, PO Box 1250, Dubai along with any change of contact details.

‫ن‬â©Géï‫ ا‬TO ¤©M¨

‫ت‬âzâlD¥‫ ا‬W¢V¨ .zVc©¥‫ ا‬،-C ·¥‫¶ إ‬rwT¥‫ ا‬p¨ ‫ء‬WM¥‫ا ا‬T° ‫ل‬âY‫ و إر‬¤fw ·LV³ ‫ل‬âfFï‫ ا‬¤´eâxF ²w V´´uF ‫ أي‬p¨ ²C‫ د‬1250 B.e , ،´c¥‫ف ا‬Ve ‫د‬VM©C ،GzâlC ‫ب‬âZP¥ s¦D©¥‫ف ا‬âi´Y .‫اد‬TZ¥‫ ا‬Q³‫ر‬âF ¤Dz ‫ف‬⢠Ez‫ و‬²w T³VD¥âC ،Grw‫ل د‬âY‫ء إر‬âLV¥‫ا‬

Your Card account will be credited once your Cheque has be cleared. Please Mail your payment well in advance of the due date.

.‫اد‬TZ¥‫ر ا‬ârb‫ إ‬p¨ ¶³T|¬ s¥âD¨ ywVF ù pwT¥âC ¶eâS¥‫ت ا‬â©´¦rG¥‫ا‬

DO NOT ENCLOSE CASH WITH THE PAYMENT ADVICE

payment instructions MADHU RAPETI

5241 XXXX XXXX 1715

Cheque No (payable to Mashreq Card A/c...) or Debit from Mashreq Account No

amount

.. §z‫ق ر‬Vc©¥‫ ا‬،-C ¶zâlC ‫ب‬âZP¥ ،´c¥‫ ا‬pwT³ .. §z‫ق ر‬Vc©¥‫ ا‬،-C ‫ى‬T¥ ²CâZO «¨ ¯©fR ‫أو‬

yPGZ©¥‫ ا‬s¦D©¥‫ا‬

8,185.62

= outstanding balance

s¦D©¥‫ا‬

Page 1 of 4

date

Q³‫ر‬âG¥‫ا‬

signature

p´z±G¥‫ا‬

SmartSaver Credit Card

e-statement

statement of account Customer name

Credit card number 5241 XXXX XXXX 1715

transaction date posting date

description

transaction reference

¶´¦©r¥‫ ا‬Q³‫ر‬âF

‫ز‬âM¬ï‫ ا‬Q³‫ر‬âF

ve‫و‬

¶´¦©r¥‫§ ا‬z‫ر‬

AED amount

12/11

12/11

credit shield nov 2015

12/11

12/11

late payment fee

395.00

sub-total

463.72

§°‫ر‬T¥âC s¦D©¥‫ا‬ 68.72

Deal Summary Deal Type ¶|xf¥‫ع ا‬±¬ EPP EPP

Booking Date WMP¥‫ ا‬Q³‫ر‬âF 08/10/15 10/10/15

‫ت‬â|xf¥‫ ا‬dS¦¨ Percentage ¶³±ê©¥‫¶ ا‬DZ-¥‫ا‬

Amount s¦D©¥‫ا‬ 5,879.00 1,699.00

past due ‫وز‬âMG¨ s¦D¨ 489.92 141.58

Outstanding Amount yPGZ©¥‫ ا‬s¦D©¥‫ا‬ 5,389.08 1,557.42

Outstanding Instalment ¶´|DG©¥‫ط ا‬âZzë‫ا‬ 10 10

Tenure ‫ة‬T©¥‫ا‬ 12 12

Instalment amount ‫ط‬âZzë‫ ا‬s¦D¨

Expiry date ‫ء‬â®G¬ï‫ ا‬Q³‫ر‬âF

489.92 141.58

12/10/16 12/10/16

* The deal summary includes deals booked with a payment holiday period too.

You can now make your monthly Credit Card bill payments at all conveniently located UAE Exchange, Al Ansari, Al Ghurair and Redha Al Ansari, Exchange houses across the UAE. Mashreqbank serves the community through our charity program. Donating couldn't be easier - make a payment to account number 010893143394 Page 2 of 4

e-statement

SmartSaver Titanium Credit Card Account No

000065605038

Statement Date

12/11/2015

Customer Name

MADHU RAPETI

Vx´Y ‫رت‬â©Y ‫م‬±´¬âG´F ‫ن‬â©Gé‫¶ ا‬zâlC ‫ب‬âZP¥‫§ ا‬z‫ر‬ ‫ب‬âZP¥‫ ا‬vc¢ Q³‫ر‬âF

Category

Cash Back Earned

¶êw

pMFV©¥‫ي ا‬T|-¥‫ ا‬s¦D©¥‫ا‬

Opening Balance

94.73

Total (Base Cashback)

0.00

Total (Bonus Cashback) Activation Bonus

0.00

10%

50.00

Closing Balance

144.73

Page 3 of 4

‫ت‬âP¦lf©¥‫· ا‬-r¨

Meaning of terms Statement Date

is the date on which the statement is generated and printed at the end of each billing cycle

Payment Due Date

is the last date by which the minimum payment needs to be credited to your credit card account.

vc£¥‫´¯ ا‬w pDl³ ‫ي‬U¥‫م ا‬±´¥‫ ا‬±° pw‫¦|¶ د‬O ¤¢ ¶³â®¬ ²w

vc£¥‫ ا‬Q³‫ر‬âF

‫ت‬â|PGZ©¥‫د¬· ¨« ا‬ë‫ ا‬TP¥‫اد ا‬TY ‫ل‬±D|¥ Tq±¨ VR‫ آ‬±° ¶´¬â©Géï‫ ا‬،GzâlC ‫ب‬âZO ·¦q ‫ة‬T´|©¥‫ا‬

¶|PGZ©¥‫¶ ا‬rwT¥‫ ا‬Q³‫ر‬âF

‫ن‬â©i¥ yPGZ©¥‫د¬· ا‬ë‫ ا‬s¦D©¥‫ ا‬±° ،CâZO vz±¨ ‫دة‬±L

Minimum Payment Due is the minimum payment required to be made to keep the account current and in good standing. Past Due Amount

is the minimum payment of the previous balances due for payment during previous billing cycles which are unpaid and still overdue.

Transaction Date

is the date the transaction was made.

Posting Date

is the date the transaction was received by the bank and posted to the card account.

‫ق‬â|PGYô¥ ·¬‫د‬ë‫ ا‬s¦D©¥‫ا‬

yPGZ©¥‫د¬· ا‬ë‫ ا‬s¦D©¥‫ ا‬±° ¯rw‫ د‬BL±³ ‫ي‬U¥‫ ا‬yCâZ¥‫ ا‬T´eV¥‫¨« ا‬ ¶q±wT¨ V´t E¥‫ زا‬û‫|¶ و‬CâZ¥‫ ا‬pwT¥‫¦|¶ ا‬O ²w

²hâ©¥‫ق ا‬â|PGYï‫ ا‬s¦D¨

¶´¦©r¥‫اء ا‬VL‫´¯ إ‬w §F ‫ي‬U¥‫م ا‬±´¥‫ ا‬±°

¶´¦©r¥‫ ا‬Q³‫ر‬âF

¶´¦©r¥‫´¯ ا‬w E©¦GY‫ي ا‬U¥‫م ا‬±´¥‫ ا‬±° ¶zâlD¥‫ب ا‬âZO ·¥‫ إ‬â®Gwâh‫§ إ‬F‫ و‬،-D¥‫ ا‬¤Dz «¨

¶rwT¥‫ ا‬Q³‫ر‬âF

Charges Information

‫م‬±YV¥‫ت ا‬⨱¦r¨

Finance Charges

includes cash or retail interest charged to the card account.

·¦q ‫ة‬Téâx¥‫م ا‬±Y‫´¶ أو ر‬z‫ر‬±¥‫ت ا‬û©r¥‫©« ا‬iGF ¶zâlD¥‫ب ا‬âZO

¶´¥â©¥‫م ا‬±YV¥‫ا‬

Other Charges

include, without limitation, annual fees, late payment fees, monthly fee, overlimit fees, statement reprint fees, returned cheque fees.

¹‫ة‬VRAG©¥‫ت ا‬ârwT¥‫م ا‬±Y‫ ر‬¹¶³±-Z¥‫م ا‬±YV¥‫ ا‬T³TPF ‫©« دون‬iGF ¹ ²wâh‫ إ‬vc¢ ¶qâDk ‫م‬±Y‫ ر‬¹TP¥‫وزا‬âMF ‫م‬±Y‫ر‬ ¹¶rMFV©¥‫ت ا‬⣴c¥‫م ا‬±Y‫ور‬

‫ى‬VRë‫م ا‬±YV¥‫ا‬

Té‫ا‬±x¥‫ب ا‬âZO

Interest Calculation

vc£¥‫ ا‬Q³‫ر‬âF ·GO ¶´¦©q ¤¢ Q³‫ر‬âF «¨ Té‫ا‬±x¥‫´¶ ¨« ا‬¥âR ¶´é‫ا‬Vc¥‫ت ا‬â´¦©r¥‫ ا‬¤¢ ¶|¦P¥‫ ا‬،¦G¥ ¶|PGZ©¥‫¶ ا‬rwT¥‫ ا‬Q³‫ر‬âF §I «¨‫و‬

All purchase transactions are free of interest from the transaction date of each transaction until the statement date and subsequently to the payment due date for that billing cycle.

‫ق‬â|PGY‫ إ‬Q³‫ر‬âF TrC ‫دة‬TZ©¥‫ ا‬V´t ¶|CâZ¥‫ت ا‬û¨âr©¥‫د ¨« ا‬TZ¨ V´t T´e‫ك ر‬â-° ‫ن‬⢠‫إذا‬ ‫ف‬±Y‫ و‬, ‫ت‬û¨âr©¥‫¨¦¶ ¨« ا‬âr¨ ¤¢ Q³‫ر‬âF «¨ ²¨±´¥‫ ا‬T´eV¥‫¦· ا‬q ‫ة‬Téâx¥‫ ا‬¤©PGY pwT¥‫ا‬ ²¥âG¥‫ب ا‬âZP¥‫ ا‬vc¢ ²w ‫ا‬U° V®o³

If there is any outstanding balance of unpaid transactions following the payment due date, then interest will be charged on the daily closing balance from the date of each transaction. This will appear on the next statement.

â³V®b

Interest rate -retail purchase 4.25 % per month Interest is charged on cash advances from the date of the cash advance to the date the cash advance has been settled in full.

â³V®b

04-424 4444

Call for a change of address, tel no, e- mail

04-424 4444

04-- 424 4444

Customer Service, Card Services, Mashreqbank, PO Box 1250, Dubai Or visit Mashreqonline

4.09 %

‫ي‬T|-¥‫ ا‬BPZ¦¥ ‫ة‬Téâx¥‫§ ا‬Y‫ر‬

( ¶q âY 24 ) ¶z‫و‬VZ©¥‫ ا‬/ ‫دة‬±|x©¥‫ت ا‬âzâlD¥‫ا‬ ( ¶q âY 24 ) ‫ء‬û©r¥‫¨¶ ا‬TR jR ²¬‫و‬VG£¥ï‫ ا‬T³VD¥‫ أو ا‬vF⮥‫§ ا‬z‫ان أو ر‬±-r¥‫ ا‬²w V´´uF «q ‫م‬ûqô¥ ²C‫ د‬1250 B.e, ‫ق‬Vc©¥‫ ا‬،-C ‫ت‬âzâlD¥‫ا‬, ¶¨TR ,‫ء‬û©r¥‫¨¶ ا‬TR www.mashreqbank.com «³ù ‫ق أون‬Vc¨ ‫رة‬â³WC ¤ixF ‫أو‬

04 -- 424 4444 - - 424 4444 04

04-424 4444

Cardmember Care line (24 hr)

‫ت‬â³VGc©¥‫¦· ا‬q ‫ة‬Téâx¥‫§ ا‬Y‫ر‬

·¥‫ إ‬BPZ¥‫ ا‬Q³‫ر‬âF «¨ ‫ب‬±PZ©¥‫ ا‬s¦D©¥‫ ¨« ا‬¤fPF ‫ة‬Téâx¥‫ا‬ pwT¥‫ ا‬Q³‫ر‬âF

Interest Rate - cash advance 4.09 % per month Lost/stolen cards (24 hr)

4.25 %

www.mashreqbank.com

-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

What you pay

pwTF‫ذا‬⨠yPGZ©¥‫ ا‬T´eV¥‫ أو ا‬%5 «q ‫ أو‬¤|³ù ⨠pwT¥ ¶¨‫ز‬û¥‫و¬¶ ا‬V©¥‫ ا‬،³T¥ s¦D©¥‫ع ا‬±©M¨ «¨ ¤z‫د¬· أو أ‬ë‫ ا‬TP¥‫ ¨« ا‬VD¢‫ أ‬s¦D¨ ‫ أو‬, ¤¨â£¥âC yPGZ©¥‫ا‬

You have the flexibility to pay a minimum of 5% or the outstanding balance in full, or any amount greater than minimum or less than the total due.

How you pay Sign up for the Auto Pay Service where either the minimum or full payment will be debited from your Mashreqbank account on the Payment Due Date, subject to the availability of funds.

pwTF v´¢

s¦D©¥‫ق أو ا‬â|PGYô¥ ·¬‫د‬ë‫ ا‬s¦D©¥‫ ا‬US‫´ؤ‬Y H´PC ²£´F⨱F‫و‬ë‫ ا‬pwT¥‫¨¶ ا‬TR ²w ‫ك‬VGb‫إ‬ Vw±G¨ s¦D©¥‫ن ا‬⢠‫|¶ إذا‬PGZ©¥‫¶ ا‬rwT¥‫ ا‬Q³‫ر‬âF ²w ¶zâlD¥‫ ا‬T´e‫ ر‬Xx¬ «¨ ¤¨â£¥‫ا‬ ‫اع‬T³ï‫¶ ا‬¥‫ أ‬y³Vk «q ‫ق أو‬Vc©¥‫ ا‬،-C ‫ع‬Vw y³Vk «q pw‫أو إد‬

Or pay at any branch of Mashreqbank or by a Cash & Cheque Deposit machine.

‫ق‬Vc©¥‫ ا‬²w ‫ت‬âzâlD¥‫ء ا‬û©q ¶¨TR §Zz ·¥‫ إ‬،´c¥‫ ا‬HrC‫أو إ‬ V´w±G¥‫ ا‬/ ‫ري‬âM¥‫ق ا‬Vc©¥‫ب ا‬âZO «¨ ²¥â¨ s¦D¨ ¤³±PF B¦k‫أو ا‬ .‫ى‬VRë‫´¶ ا‬Oâ-¥‫ ¨« ا‬pwT¥‫¶ ا‬P³Vb ‫ام‬TSGYâC ،C ‫ص‬âS¥‫ا‬

Or send a cheque to Card Services, Mashreqbank, or request a transfer of funds from your Mashreqbank current/savings account using the payment slip on the other side. Or simply transfer funds by MashreqOnline.

«³ù ‫ق أون‬Vc©¥‫ ¨« ا‬s¦D©¥‫ل ا‬±O ‫أو‬ Page 4 of 4