Rules of Issuance and Operation of Credit Cards

Opening balance (credit card account balance at the beginning of the account statement period). 1.3 Closing balance (the credit card account balance after the last transaction in the account statement period). 1.4 Details of financial transactions (type of transaction, date, amount, merchant data), taking into account that the data for international financial transactions should include the original amount of the transaction in foreign currency, the exchange rate used to convert to local currency, the corresponding amount in local currency after conversion, and any fees charged for the transaction. 1.5 Total transaction amounts. 1.6 Payments and refunds (any payments charged or refunds to the account, including the amount and date of the payment or refund). 1.7 Total payment amounts 1.8 Details of fees and costs. 1.9 The total amount of fees and charges. 1.10 The amount due, indicating the amount subject to the term cost and how it is calculated. 1.11 Due date. 1.12 Annual Percentage Rate (APR) 1.13 The mechanism for objecting to the account statement, including the deadline for doing so.