How To Check Your Credit Card Statement Online - The ...

A credit card statement is a complete log of your account activity during a specific period. It shows any payments, credits, interest, and charges you have ... CreditCardBasics Billing&Payment HowToCheckYourCreditCardStatementOnline AGoodWayToKeepTabsonYourAccount TableofContents Expand TableofContents CreateanOnlineAccount FindYourBillingStatement MakeaPayment GoPaperless StayonTopofAccountActivity WhenToPayYourBill FrequentlyAskedQuestions(FAQs) By LaToyaIrby FullBio LinkedIn Twitter LaToyaIrbyisacreditexpertwhohasbeencoveringcreditanddebtmanagementforTheBalanceformorethanadozenyears.She'sbeenquotedinUSAToday,TheChicagoTribune,andtheAssociatedPress,andherworkhasbeencitedinseveralbooks. Learnaboutour editorialpolicies UpdatedOctober23,2021 Reviewedby EricEstevez Reviewedby EricEstevez FullBio EricisadulylicensedIndependentInsuranceBrokerlicensedinLife,Health,Property,andCasualtyinsurance. Hehasworkedmorethan13yearsinbothpublicandprivateaccountingjobsandmorethanfouryearslicensedasaninsuranceproducer. Hisbackgroundintaxaccountinghasservedasasolidbasesupportinghiscurrentbookofbusiness. Learnaboutour FinancialReviewBoard ImagebyEmilieDunphy©TheBalance2020 Cardcardissuersareincreasinglyusingtechnologytomakeiteasierforcardholderstomanagetheircreditcardaccounts.Ifyou’velostyourcreditcardstatement,ithasn'tcomeinthemailyet,oryoujustpreferadigitalcopy,youshouldbeabletopullupyourmostrecentbillingstatementonlinewith afeweasyclicks.Nearlyallbanksandcreditcardissuersofferonlineaccountaccess. CreateanOnlineAccount Toaccessyourcreditcardstatement,you'llfirsthavetocreateanonlineaccountviayourcardissuer'swebsite.Ifyouobtainedacreditcardthroughyourcurrentbankorcreditunion,yourcreditcardaccountmaybeaccessiblethroughyourexistingonlinebankingaccount.Ifnot,checkthebackofyourcreditcardforthecreditcardissuer'swebaddresswhereyoucancreateanonlineaccount. Creatingyouraccountwillrequireyoutoentersomebasicidentifyinginformation,includingyourcreditcardaccountnumber.You'llalsohavetocreateausernameandpasswordtoaccessyouraccountinthefuture. FindYourBillingStatement Afteryoulogin,youshouldseesomebasicinformationaboutyouraccount:yourcurrentbalance,availablecredit,minimumpaymentdue,nextduedate,andalistof transactions.Lookaroundforalinkthatwilltakeyoutoacopyofyourstatement—oftenaPDFthatyoucandownloadandsave. MakeaPayment Anotherbenefitofcreatinganonlineaccountisthatit'seasiertomakepayments.Whileyou'reloggedin,youcanmakeorscheduleyournextcreditcardpayment.Whileyou'reprobablyaccustomedtousingyourcreditordebitcardforonlinepurchases,thatoptionwon'tbeavailableforcreditcardpayments.Instead,you'llneedyourbankaccountandroutingnumbertomakeapayment. GoPaperless Yourcreditcardissuermaygiveyoutheoptiontoenrollinpaperlessbilling.Ratherthanreceivecreditcardstatementsbymail,you’llreceiveanemailwhenyourcreditcardstatementisreadytobeviewedonline.Youmaypreferthisoptiontoreduceclutterandtobenefittheenvironment,especiallyifyouprimarilymakeyourcreditcardpaymentsonline. StayonTopofAccountActivity Checkingyouraccountactivityatleastweeklyallowsyoutokeepupwithyourbalanceandduedateandmakesurethere'snounauthorizedactivityonyouraccount.Inadditiontoawebaccessibleaccount,manycreditcardissuersalsohavemobileappsthathelpyoukeeptrackofactivity. WhenToPayYourBill Beingabletoaccessyouraccountonlinemeansyoudon'thavetowaitforyourduedatetomakeapayment.Infact,therearebenefitstopayingearly. Thepercentageofcredityou'reusingimpactsyourcreditscore,andthebalancereportedtothethreemajorcreditbureaus—Equifax,Experian,andTransUnion—isthebalancethatappearsonyourmonthlystatements.Keepingyourbalancetolessthan30%ofyourcreditlimitensuresalowbalanceisreportedtothecreditbureausandisbestforyourcreditscore. Payingyourbalanceinfulleachmonthmaynotbeenough.Thecreditbureausonlyreceiveasnapshotofyouraccounthistoryonaspecificdayofthemonth.Byregularlytrackingyouraccountonline,youcanpayyourbalancedownbeforeyourstatementisgeneratedtoreduceyourbalancebelowthe30%threshold. FrequentlyAskedQuestions(FAQs) Whatisacreditcardstatement? Acreditcardstatementisacompletelogofyouraccountactivityduringaspecificperiod.Itshowsanypayments,credits,interest,andchargesyouhaveaccruedduringtheperiod,aswellasyourtotalaccountbalance,statementbalance,minimumpaymentdue,andduedate.Yourcreditcardissuerreleasesastatementmonthly,shortlyafteryourbillingcyclecloses. Whatdoesthestatementbalancemeanonacreditcard? Thestatementbalanceisthetotalsumofallcredits,payments,interest,andchargesaccruedduringthebillingcycle.Ifyoupayyourstatementbalanceinfullbytheduedate,youwillnotaccrueanyinterestchargesforthatmonth.Becauseyoumayreceiveyourstatementseveraldaysafteryourbillingcyclecloses,yourstatementbalancemaynotmatchyourcurrentaccountbalance. HowdoIreconcilemycreditcardstatementonline? Youmightbeabletoexportyourstatementdirectlyintoaccountingorbudgetingsoftwarethatyouusesoyoucanreconcileitquicklyandeasily.Otherwise,youcanprintacopyofyourstatementfromyourbank'swebsiteandreconcileyouraccountmanually. ArticleSources FederalReserveBankofBoston."MobileBankingandPaymentPracticesofU.S.FinancialInstitutions:2016MobileFinancialServicesSurveyResultsFromFIsinSevenFederalReserveDistricts,"Download"FullPaper,"Page4.AccessedFeb.12,2020. Discover."AllPaymentMethods."AccessedFeb.12,2020. myFICO.com."AmountsOwed."AccessedFeb.8,2020. ConsumerFinancialProtectionBureau."CreditScoreMythsThatMightBeHoldingYouBackFromImprovingYourCredit."AccessedFeb.12,2020. Share Tweet Share Email WhatIsaCreditCardBillingCycle? ImportantCreditCardDatesYouShouldKnowAbout StatementClosingDatevs.PaymentDueDate:What'stheDifference? DecodingYourCreditCardBillingStatement 3WaystoCheckYourAvailableCredit EveryCreditCardUserShouldKnowThisAboutTheirBillingStatements. TheDifferenceBetweenStatementBalanceandCurrentBalance WhatToDoIfYouOverpaidYourCreditCard CreditUtilization:The2ndBiggestFactorinYourCreditScore WhatIsResidualInterest? WhyaCreditReportMayShowtheWrongCardBalance UnderstandingYourCreditCardAccountClosingDate ProsandConsofPaperlessBilling 6EasyWaystoTrackYourBankBalance YourCreditCardPaymentIsLateifIt'sNotMadebyThisDate 7ReasonstoCreateanOnlineAccounttoManageYourCreditCard