How to read your statement It’s important to understand your Gem Visa statement Your Gem Visa has some special features you won’t find on any other credit card, including access to 6 months interest free on any Visa purchase over $250 and access to finance promotions. These include long term interest free deals at a range of retailers. Because it’s important to keep track of your transactions, we Any questions? If there’s anything you’re unsure about, please call us on 0800 500 505 and we’ll be happy to explain. have designed your statement to be simple and easy to read. Register for online access to your account You can also manage your account, keep track of your purchases and Register now for online access at www.gemvisa.co.nz Gem Visa is provided by GE Finance and Insurance. GEC0020 11/11 view your statements online at the Gem Visa Online Service Centre. Your account summary Transactions this statement period Unexpired promotional transactions This shows how much you’ve spent, how much available credit you have left (as at the statement date) and when your next payment is due. This section provides more detail about each transaction you’ve made since your last statement. This is the key to managing your account. For example, it tells you when any long term interest free deals are due to expire. 1 1 1 2 2 3 3 4 2 5 4 3 6 1 Account number This number is different from your card number and has to be used when loading bills and automatic payments. 1 Your transactions Your monthly Gem Visa card purchases, cash advances, interest, fees, charges and any credits. 2 Available credit The amount of funds remaining on your account to go shopping. 2 Gem Visa promotional purchases Your Gem Visa purchases over $250 that receive 6 months interest free. Available cash The amount of your available credit that you can access as cash advances. 3 3 4 Payment due immediately The amount that is overdue and must be paid immediately. This only appears if your account is overdue and / or overlimit. 5 Minimum monthly payment The minimum amount you must pay for the month in order to keep your account up to date. Includes any payment due immediately amount and your payment required by due date amount. 6 Optional payment to reduce further interest Making this payment may help you pay less interest. It includes the minimum monthly payment, any outstanding fees, nonpromotional balances and any promotional transactions that will become interest bearing shortly. Other promotional transactions Your other promotional transactions include any purchases made using long term interest free or other promotional terms. 1 Gem Visa promotional purchases All your unexpired Gem Visa 6 months interest free purchases over $250, grouped together by month. 2 Outstanding balance The total amount you owe on each promotional transaction. 3 Promotion expiry date The date your interest free period ends for this purchase. You start paying interest on any outstanding balance after this date. 4 Your other promotional transactions Your other promotional transactions include any purchases made using long term interest free or other promotional terms.