americanexpress.
ca
Customer Service:
The Platinum Card 1-800-263-1616 (toll free)
From outside of
Statement of Account Canada/U.S
(call collect):
905-474-8400
Page 1 / 6 Amex Bank of Canada
Platinum Card Services
P.O. Box 3204, Stn F
Toronto (ON), M1W 3W7
Prepared For Account Number Opening Date Closing Date
SHUBHDEEP SINGH GREWAL XXXX XXXXX5 91006 Nov 18, 2023 Dec 17, 2023
ACCOUNT SUMMARY
Previous Balance $38,189.95 Flexible Payment Option Limit $50,000.00
Less Payments $1,000.00 Available Flexible Payment Option Limit $12,174.48
Less Other Credits $0.00
Plus Interest $635.57 Total Spending Limit $33,800.00
Plus Purchases $0.00
Plus Fees $0.00
Plus Funds Advances $0.00
Plus Other Charges $0.00
Equals New Balance $37,825.52 Payment Period Remaining
If each month you pay the Minimum Amount Due only 306 Year(s) 3 Month(s)
Minimum Amount Due on Jan 11, 2024 $1,090.23
Statement includes payments and charges received by Dec 17, 2023
Your account is past due. To avoid problems using your card, please pay the full minimum due today.
Flexible Payment Option is available on your account giving you the choice to pay over time. You are required to pay at least
the Minimum Amount Due. To avoid interest charges, pay the full New Balance. If you don't want to use the Flexible Payment
Option, you should pay the full New Balance.
..........
AMERICAN EXPRESS Account Number XXXX XXXXX5 91006
PLEASE PAY BY PAYMENT DUE DATE TO ALLOW YOUR PAYMENT TO New Balance $37,825.52
BE PROCESSED BY YOUR FINANCIAL INSTITUTION AND SENT TO US. Minimum Amount Due $1,090.23
Learn about all of your payment options, including how to enroll your bank account, Payment Due Date Jan 11, 2024
make a one-time payment or enroll in our pre-authorized payment plan by visiting
amex.ca/paymentmethods. Go paperless and get your future statements Amount Paid ($)
faster: amex.ca/paperless. DETAILS ENCLOSED.
SHUBHDEEP SINGH GREWAL
22 ORTONA DRIVE
BRAMPTON ON L6Y3C9
The Platinum Card
Statement of Account
Page 2 / 6
Prepared For Account Number Opening Date Closing Date
SHUBHDEEP SINGH GREWAL XXXX XXXXX5 91006 Nov 18, 2023 Dec 17, 2023
Your Transactions
Transaction Posting Details Amount ($)
Date Date
New Payments
Dec 14 Dec 14 PAYMENT RECEIVED - THANK YOU -1,000.00
Reference AT233480003000010014946
Total of Payment Activity -1,000.00
New Transactions for SHUBHDEEP SINGH GREWAL
Card Number XXXX XXXXX5 91006
Total of New Transactions for 0.00
SHUBHDEEP SINGH GREWAL
Other Account Transactions
Dec 17 Dec 17 INTEREST 635.57
Total of Other Account Transactions 635.57
The Platinum Card
Statement of Account
Page 3 / 6
Prepared For Account Number Opening Date Closing Date
SHUBHDEEP SINGH GREWAL XXXX XXXXX5 91006 Nov 18, 2023 Dec 17, 2023
About Your Flexible Payment Option Limit
Your Flexible Payment Option Limit is the maximum amount you can choose to repay over time, should you choose not to pay
in full each month.
Your Charge Card continues to have No Pre-set Spending Limit. Unlike a Credit Card with a set limit, the amount you can
spend adjusts based on factors such as your purchase, payment, and credit history.
Please refer to page 1 of this statement for your Flexible Payment Option Limit.
About Your Interest Rates
Change to the Flexible Payment Option interest rate(s) applicable to your account
As a result of 2 Missed Payments in the previous 12 billing periods, your pending rate(s) for the Next Billing Period are the
Standard rate(s) shown below.
"Missed Payment" means we did not receive the minimum monthly payment by the payment due date. "Next Billing Period"
means the billing period beginning the day after the Closing Date of this statement.
Possible change to the Flexible Payment Option interest rate(s) applicable to your account
If we do not receive the minimum monthly payment shown on this statement by the payment due date, you will have 3 Missed
Payments in the previous 12 billing periods and your rate(s) will increase to the Basic rate(s) shown below. This does not
apply if the Basic rate is already in effect on your account.
Category Daily Periodic Rate Current Annual Pending Annual Annual Interest Rates
Interest
30 Billing days this Interest Rate Interest Rate
Period (Next Billing Period) Preferred Standard Basic
Charges
0.0822% 0.00 30.00%* 30.00 % 30.00% 30.00% 30.00%
Flex. Pmt. Option Purchases
0.0575% 635.57 20.99%* 25.99 % 20.99% 25.99% 28.99%
Funds Advance
0.0822% 0.00 30.00%* 30.00 % 30.00% 30.00% 30.00%
No interest is charged on fees and interest
(except for annual card membership fees) $635.57
* See your Information Box and Disclosure Statement for details
The Platinum Card
Statement of Account
Page 4 / 6
Prepared For Account Number Opening Date Closing Date
SHUBHDEEP SINGH GREWAL XXXX XXXXX5 91006 Nov 18, 2023 Dec 17, 2023
About Your Statement
Payment Period Remaining - This is an estimate of the time it will take for you to pay off the New Balance shown on this
statement if you make no additional charges using this Card and each month you pay the Minimum Amount Due only. For
additional information including the way we determine the estimate, please visit www.americanexpress.ca/paymentperiod.
Minimum Payment - The Minimum Payment is the sum of (1) and (2), calculated as follows:
(1)the total of: (a) any previously billed minimum payment that remains unpaid on the Closing Date of the statement + (b)
any Fees (except for annual card membership fees) and Funds Advance transactions charged on the billing statement
+ (c) any additional amount that exceeds your Flexible Payment Option Limit not already considered in category (a) or
(b); PLUS
(2)(for non-Quebec residents): (d) $10 + (e) Interest charged on the billing statement; or (for Quebec residents whose
accounts were opened on or after August 1, 2019): (d) 5% of the Flexible Payment Option balance owing that month;
or (for Quebec residents whose accounts were opened prior to August 1, 2019): (d) 3% of the Flexible Payment
Option balance owing that month for statements dated on or after August 1, 2021, and the following percentages apply
for statements dated on or after the following dates: August 1, 2022 - 3.5%; August 1, 2023 - 4%; August 1, 2024 -
4.5%; August 1, 2025 - 5% .
If the entire New Balance is less than the amount calculated by this formula, you will only be required to pay the New
Balance amount. If your primary address changes to or from Quebec, the applicable minimum due calculation will take
effect on your next statement.
Charges - This is the portion of your New Balance posted to your account before you were enrolled in the Flexible Payment
Option feature and which remains unpaid. In addition, all billed fees are included in this category, even if billed after Flexible
Payment Option enrollment, except: (i) Funds Advance fees, which are included in the Due in Full Balance category, and (ii)
Foreign Currency Conversion fees, which are categorized together with the transaction to which they relate. Balances in the
'Charges' category are automatically calculated as part of your Minimum Amount Due and must be paid in full by the due date
of the statement on which they first appear.
Due in Full Balances - This is the portion of your New Balance that, when considered together with other amounts billed to
your account, causes your account's balance to exceed the Flexible Payment Option limit at the time your billing statement is
produced. Only the portion of the charge that exceeds the Flexible Payment Option limit is included in this calculation. In
addition, Funds Advances and the associated Funds Advance fees, are included in this category whether or not your account's
balance exceeds the Flexible Payment Option limit. Due in Full balances are automatically calculated as part of your Minimum
Amount Due and must be paid in full by the due date of the statement on which they first appear.
Flexible Payment Option Balance - This is the portion of your New Balance that you can choose to pay over time. If you take
advantage of this feature, interest will apply. Please see the section of your Cardmember Agreement titled "Flexible Payment
Option" for details on how interest is calculated.
Transaction/Posting Details - If the transaction date is not available, the posting date will be used as the transaction date
and will be shown with an asterisk (*). Occasionally you may not recognize the business name listed. This can happen when a
company has a registered name different from that used commercially.
Charges Made in Foreign Currencies - All foreign currency charges have been converted into Canadian dollars on the date
we processed the charge. Non-U.S. dollar charges have been converted through U.S. dollars, by converting the charge amount
into U.S. dollars and then by converting that U.S. dollar amount into Canadian dollars. U.S. dollar charges have been converted
directly into Canadian dollars. As agreed, unless a specific rate was required by law, the American Express treasury system
has used conversion rates based on interbank rates (selected from customary industry sources) from the business day prior
to the processing date, increased by a single conversion commission of 2.5%. Any conversion commission charged on the
original charge will not be returned on a refund. Any charges converted by third parties prior to being submitted to us have
been at rates selected by them.
The Platinum Card
Statement of Account
Page 5 / 6
Prepared For Account Number Opening Date Closing Date
SHUBHDEEP SINGH GREWAL XXXX XXXXX5 91006 Nov 18, 2023 Dec 17, 2023
Interest - You may pay the entire New Balance of your account at any time. Interest is calculated daily and is charged to your
account on the last day of the billing period. Interest on a Flexible Payment Option balance applies from and including the
transaction date or from and including the first day of the billing period in which it is first charged to your account, if that date
is later, until the day we receive payment in FULL. Interest on Due in Full balances applies from and including the first day of
the next billing period after your account becomes delinquent until the day we receive payment in FULL of this balance. A Due
in Full balance becomes delinquent when it remains unpaid on the last day of the billing period in which it is due. There is no
interest on balances from Fees (except for annual card membership fees) or Interest.
However, there is a grace period of either 21 days on new transactions (for residents of Quebec, this applies to all transactions)
from the Closing Date on your statement if we receive payment in FULL by the Payment Due Date OR if we do not, up to 25
days for new transactions on your next statement. Once interest applies to a previous balance, it continues to apply until such
balance is paid in full, whether or not newer balances are subject to an interest-free grace period (except for residents of
Quebec) or are considered delinquent. Please refer to your Cardmember Agreement, Information Box and Disclosure
Statement for a detailed explanation of the calculation and application of interest charges.
Interest Rates - Please see About Your Interest Rates for information on the rates that applied during this period. Interest will
only apply to Due in Full Balances to the extent such balances are delinquent.
Billing Errors - If you have a complaint, problem or dispute with this statement or any change on it, contact us immediately
but in any event within 21 days of the Closing Date of this statement. Otherwise, this statement will be considered accurate
except for any amount which has been improperly credited to the account and you may not later make a claim against this in
respect of any item on this statement. Subject to the Cardmember Agreement, if you contact us as required, we will take all
reasonable and appropriate steps to provide the information you request or attempt to resolve the dispute
Payment Due Date - You may pay the entire New Balance of your account at any time. Payment of at least the Minimum
Payment Amount indicated on this statement must be received by the payment due date indicated on your statement.
Payments - Payments may be made using the Electronic Payment Program from American Express by Pre-authorized
Payment Plan, Pay by Phone, Pay by Online Services or Pay by Voice Response and is subject to the terms, conditions and
restrictions in the Electronic Payment Program Agreement. The Pre-authorized Payment Plan is available for future
statements only unless the front page of this statement indicates you are already enrolled. Subject to the Electronic Payment
Program Agreement and availability of the services, you can request a same day payment prior to 8pm Eastern Time or
schedule a future payment from your Canadian dollar deposit account. However, your first payment can only be scheduled 3
calendar days after enrollment. To enroll, login to Online Services or call the customer service number on this statement for
Pay by Phone or Pay by Voice Response. For details visit www.americanexpress.ca/paymentmethods . We reserve the right
without notice to restrict or cancel availability of the Electronic Payment Program, limit the number or frequency of payments
or restrict scheduling a future payment within a certain time period or if the account is past due. Payments may be made using
telephone or internet banking facilities through participating financial institutions, at a branch or ATM. Check with your
institution for processing delays. Payments will be sent by your financial institution to us within 3 to 5 business days and your
account will not be credited until we receive a payment. It is your responsibility to make payment arrangements and ensure
that sufficient funds are available in the deposit account. We will reverse a payment if it is returned or dishonored for any
reason and a dishonoured payment fee will apply.
Recurring Charges - We update your card information with participating recurring billing merchants. Details at
americanexpress.ca/recurringcharges. Call us about your choices.
Questions - If you have any questions about your account, please call American Express Customer Service 24 hours a day, 7
days a week at the phone numbers provided on the first page of this statement.
The Platinum Card
Statement of Account
Page 6 / 6
Prepared For Account Number Opening Date Closing Date
SHUBHDEEP SINGH GREWAL XXXX XXXXX5 91006 Nov 18, 2023 Dec 17, 2023
Membership Rewards
Account Summary from 11/18/2023 to 12/17/2023
Previous Points Earned Bonus Points Points Adjustments Points Redeemed New Points Balance Rewards Number
Points Balance
225,776 0 0 - 74 225,000 702 CM02296994
Points Earned Card Type Card Number No. of Points
Platinum Card XXXX XXXXX5 91006 0
Total Points Earned 0
Points Adjustments Date Description No. of Points
12/17/2023 Points Deducted* XXXXXXXXX591006 -74
Total Points Adjustments - 74
Points Redeemed Request Date Program Name Partner Membership Number No. of Points Conversion
Rate
12/17/2023 Aeroplan 108146333 -225,000 1.00
Total Points Redeemed - 225,000
Log on to your account or register for online services at membershiprewards.ca to get your up-to-date
Membership Rewards point balance, view our latest offers, and redeem for hundreds of rewards from
merchandise and gift cards to travel and more.
Any rewards activity that may have occurred on the closing date of this billing statement will appear on your next rewards
summary. Details of this activity are available via Online Services at www.americanexpress.ca or by calling the Customer
Service number on back of your Card.
To reinstate your Membership Rewards points, you can log on to Online Services at
americanexpress.ca/rewardreinstatement or call the Customer Service number on the back of your Card. A
points Reinstatement Fee of $20.00 will be charged for each reinstatement online or $30.00 for all other service
channels (plus applicable taxes).
