AURA JULIETH CASTRO

CIBC Dividend Platinum® Visa * Card Account number

4500 XXXX XXXX 5051
Statement Date
October 4, 2024
Your account at a glance October statement period
September 5 to October 4, 2024
Previous balance $2,120.49
Payments $250.00 Contact us
Customer Service 1 800 465-4653
Other credits 0.00 Lost/Stolen 1 800 663-4575
Total credits - $250.00 TTY 1 877 331-3338
Online w w w.cibc.com
Purchases 120.14
Cash advances 0.00 Summary Credit
Interest 34.80 Limit $2,000.00
Fees 29.00 Available $0.00

Total charges + $183.94 Interest rates Annual

Total balance = $2,054.43 Regular purchases 20.99 %
Cash advances 22.99 %
Your payment due this month
Amount Due 1 $2,054.43
Your Cash Back
Your account is over your credit limit. As a result, your Minimum Payment As at last statement + 11.40
consists of the following two amounts that are due at the same time. This statement
1. Amount over your credit limit $54.43 1 % Cash Back + 1.21
2. Remainder of Minimum Payment 2
*0201920000*

+ $73.80 Total Cash Back = 12.61

Total Minimum Payment due by Oct 31, 2024 = $128.23
Your pre-authorized payment will be withdrawn from your bank account on or
shortly after the due date, and applied to your credit card account by the due
date. The payment amount is based on the pre-authorized payment service
option selected.

Tear Off here Please turn over - Transactions begin on page 2 Page 1 of 3
CIBC Dividend Payment options Account number 4500 XXXX XXXX 5051
• Online Banking: w w w.cibc.com
Platinum Visa Card • Telephone Banking: 1 800 465-CIBC (2422) Amount Due $2,054.43
• CIBC bank machines and most financial
institutions Amount over credit limit $54.43
• Mail: Return completed slip with your cheque
or money order payable to CIBC. Remainder of Minimum
For general inquiries call Payment $73.80
1 800 465-4653

Do not staple or attach correspondence.

Total Minimum Payment due $128.23
by Oct 31, 2024
Total payment enclosed $_____________

005486
AURA JUL I E TH CASTRO
188-005486

1 5 0 2 7 4 0 2 3 2 AVE
ALDERGROVE BC V4W 3N9 C I BC
PO BOX 4 5 9 5 STN A
TORONTO ON M5W 4X9
 Transactions from September 5 to October 4, 2024
Your payments
Trans Post
date date Description Amount($)
Sep 17 Sep 18 PAYMENT THANK YOU/PAIEMENT MERCI 250.00
Total payments $250.00

Your interest
Trans Post
date date Description Annual interest rate Amount($)
Oct 04 Oct 04 REGULAR PURCHASES 20.99 % 34.80
Total interest this period $34.80

Your new charges and credits

Trans Post
date date Description Spend Categories Amount($)
Card number 4500 XXXX XXXX 5051
Sep 05 Sep 05 OVERLIMIT FEE Professional and Financial Services 29.00
Sep 20 Sep 23 DR. ASHLEY D. VENIER INC ABBOTSFORD BC Health and Education 100.00
Oct 04 Oct 04 PAYMENT PROTECTOR PREMIUM 800-893-2862 Professional and Financial Services 20.14
Total for 4500 XXXX XXXX 5051 $149.14

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Information about your CIBC Dividend Platinum Visa Card account

If you find an error or irregularity (including possible unauthorized or Amount Due, your payment due date will change back to your regular Minimum Payment is the minimum amount you must pay this
fraudulent Transactions) in this statement you must tell us within 30 payment due date. month and it includes your monthly installment payments due (if
days of this Statement Date. If you do not, we may regard this statement applicable).
as final (except for credits posted in error). Your statement (including the Balance and Minimum Payment) only
How we charge interest:.. If interest is charged on a Purchase, it reflects Transactions that were posted as of the Statement Date. If you
is charged retroactively from the Transaction date. You have a minimum made a payment but it has not yet been posted, it will appear on your For more information, please refer to the CIBC Cardholder Agreement.
21 day interest-free grace period for new Purchases. You can avoid next monthly statement and any interest charges will be adjusted based
interest on those new Purchases by paying your new balance in full by on the transaction date and payment amount. The payment due date is ® Registered trademark of CIBC.
the payment due date. determined under Eastern Standard Time (EST) meaning payments are * Trademark of Visa International Service Association and used under license.
Interest is charged on Cash Advances from the date they are taken. considered received by us on the payment due date if made by 11:59pm
Interest is charged on Convenience Cheques and Balance Transfers from EST. Payments made by mail or through another financial institution
the date they are posted to your credit card account. We stop charging can take several days to be received by us. Please make your payments
interest on the day we receive a payment which covers the amount of accordingly. Check CIBC Online Banking for the status of your payments
the Purchase, Cash Advance, Balance Transfer or Convenience Cheque, and your most up to date Balance.
as the case may be, as described in the Application of Payments section
of your CIBC Cardholder Agreement. **Foreign currency Transactions, except Convenience Cheques, are
converted to Canadian dollars on or after the Transaction date and no
If you choose to convert an eligible Purchase into an Installment Plan, later than the Transaction posting date. At the time of currency
interest will be charged on that Installment Plan at the interest rate you conversion, you are charged the same conversion rate CIBC must pay,
agreed to at the time of conversion and in the manner set out in the plus a fee of 2.5% of the converted amount, on both debits and credits.
Installment Plan Terms and Conditions. We convert a foreign currency Convenience Cheque or payment at our
branch selling rate for Canadian dollars in effect at the time we process
Payment period extensions:. If you didn't pay the Amount Due it.
on your last monthly statement, we have extended your payment due
date this month to give you extra time to make your payment. Interest Amount Due is the amount you must pay if you want to avoid
will continue to accrue for the extended period. When we receive your interest on your regular purchases shown on this statement.
 Prepared for: AURA JULIETH C ASTRO September 5 to October 4, 2024 Account number: 4500 XXXX XXXX 5051

CIBC CreditSmartTM* Spend Report

This month Year-to-date
Spend Categories Transactions Amount($) Budget ($) Difference ($) Transactions Amount ($)
Personal and Household Expenses 0 0.00 - - 3 141.82

Professional and Financial Services 2 49.14 - - 13 340.84

Retail and Grocery 0 0.00 - - 9 376.29

Transportation 0 0.00 - - 1 60.00

Hotel, Entertainment and Recreation 0 0.00 - - 1 7.83

Restaurants 0 0.00 - - 4 40.19

Health and Education 1 100.00 - - 3 141.96

Other Transactions 0 0.00 - - 1 -22.97

Total 3 149.14 35 $1,085.96

Transactions are assigned a spend category based on where the goods or services are purchased, not on what was purchased. For example,
items purchased at a convenience store in a gas station will appear under Transportation, not Retail and Grocery.

A negative difference (–) means you spent more than you budgeted.
Amount($) Budget ($) Difference ($)
Total Monthly Budget 149.14 - -

Reminder: If you only make the minimum payment every month, it will take approximately 16 year(s) and 2 month(s) to pay the
total balance shown on this statement. This estimate assumes each statement period is 30 days and that you pay your minimum
payment on time every month.
*0202930000*

Your message centre

Your account balance is over the assigned credit limit. Kindly consider paying the over limit amount before the payment due
date because further transactions may be declined. If you have recently made a payment, please accept our thanks.

No payment required. As you requested, your payment will be withdrawn from your bank account on (or shortly after) the
due date. This payment will be applied to your Credit Card Account as of the due date based on the Auto Pay Service Option
you selected.

CIBC Payment Protector Insurance for Credit Cards is an optional creditor’s group insurance administered by Canadian
Premier and CIBC. You may contact 1 800 598-6918 or visit canadianpremier.ca.
CIBC Payment Shield Insurance for Credit Cards is an optional creditor’s group insurance administered by Assurant. You
may contact Assurant at 1 877 651-1037 or visit cardbenefits.assurant.com

Need to send money abroad? Consider paying with an eligible CIBC credit card when you send a CIBC Global Money Transfer.
There are no CIBC transfer fees and cash advance fees do not apply. Terms and conditions apply. Ask us for more details or
visit CIBC.com/transfer.

With your CIBC Dividend Platinum Visa Card, earn 3 % cash back on eligible gas, electric vehicle charging and grocery
purchases. Turn everyday spend into cash back rewards. Terms and conditions apply. To learn more, visit
CIBC.com/dividendplatinum.
- 188-005486

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