Understanding credit card statements - CommBank

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Understanding credit card statements · Your account summary. Your statement summary: shows your opening balance, new transactions and charges, closing balance ... Skiptomaincontent Skiptologon Skiptosearch AccessibilityatCommBank Banking Homeloans Insurance Investing&super Business Institutional OpenSearch Logon NetBanklogonLogon CommBizlogonLogon CommSeclogonLogon HamburgerMenuDialogOpen Banking Homeloans Insurance Investing&super Business Institutional Locateus Help&support CommBankSearch.Dialogstart. SearchCommBank.Starttyping… Popularsearches Travelinsurance Foreignexchangecalculator Discharge/Refinanceauthorityform ActivateaCommBankcard Cardlesscash Interestrates&fees Help&support Locateus Contactus Creditcards / Manageandcontrolyourcreditcard / Creditcardstatements Understandingcreditcardstatements Yourstatementisdesignedtohelpyoufindthemostimportantinformation,reviewyourtransactionsandseeourlatestoffers. Standardstatement Instalmentplanstatement Youraccountsummary Yourstatementsummary:showsyouropeningbalance,newtransactionsandcharges,closingbalanceandanypaymentsorrefundsforyourstatementperiod. Yourgeneralcreditcardaccountdetails:includesyourstatementperiod,creditlimitandavailablecredit.IfyouhaveaCommBankAwardscreditcard,you’llalsoseehowmanyAwardspointsyouhave. Yourpaymentsummary:showsthetotalamountowingforthemonth(alsoknownasyourclosingbalance),minimumpaymentandwhenyourpaymentisdue. Repayments&offers Minimumrepaymentwarning: thistableillustrateshowlongitwilltakeyoutopayoffyourbalanceincludinganyapplicableinterestchargesbypayingonlytheminimumpaymentversusthesavingyouwouldmakebypayingmorethantheminimumpaymentovera2yearperiod.Youcanalsofinddetailstocontactusifyou’reexperiencingfinancialdifficulty. Atthebottomofyourstatement,we’llkeepyouuptodatewithspecialoffersandhandycreditcardtips. Awardspoints&transactions Awardspointssummary: ifyou’reanAwardscustomer,thissectionwillshowyouhowmanypointsyou’veearnedandredeemedduringyourstatementperiod. Transactions:showsyouanitemisedlistofalltransactionsmadeduringyourstatementperiod.You’llalsofindanyinterestchargesandfees you’veincurredovertheperiod. Paymentoptions&contactdetails Howtopay:showsyouroptionsforcreditcardpayments,includingbillercodes,transfersusingNetBankortheCommBankapp,usinganATMorbysettingupautomaticpaymentswithAutoPay. Contactdetails:ifyouhaveanyconcernsaboutyourstatement,youcancontactusorvisitsupport. Regularpayments Identifyregularpayments:showsyoualistofmerchantsyouregularlypay,theamountandthelastdateyoupaidthem. SurePayinstalmentplans Ifyouhaveaninstalmentplan,yourstatementwilllookalittledifferent.  Yourpaymentoptions:showsyoutheamountsyoucanchoosetopay. Yourpaymentoptionsexplained:hereyoucanfindanexplanationofthedifferentpaymentamountsyoucanchoose.  Yourinstalmentplans:showshowmanyplansyou’vesetupandotherinformationincludinginterestrate,term,balanceandmonthlyinstalmentamount.  SurePayinstalmentplansarenotavailableonCommBankNeo.  Seesamplestatement Otherinfoonyourstatement Importantmessages Fromtimetotimewe’llputimportantmessagesonyourstatement,suchaschangestoyourcreditlimitandotherinfotokeepyouuptodate. Switchingtoonlinestatements YoucanswitchtoonlinestatementsinNetbankortheCommBankapp.  SwitchinNetBank Support Gettingstarted Activateyourcardandcreatea PIN Transferacreditcardbalance Addanadditionalcardholder SetupAutoPay Managingyourcard SetaSpendingCap Lock,Block,Limityourcard Manageyourcreditlimit Lost,damagedorstolencards Showmemore Managingyourpayments Creditcardrepaymentcalculator Makethemostofyourinterestfreeperiod Whatmakesupyourcreditcardbalance Wecanhelp Yourquestionsanswered Contactus Visityournearestbranch Thingsyoushouldknow Theinformationonthiswebsitehasbeenpreparedwithoutconsideringyourobjectives,financialsituationorneeds.Becauseofthat,youshould,beforeactingontheinformation,consideritsappropriatenesstoyourcircumstances.Pleaseviewour FinancialServicesGuide.Applicationsforcreditcardsaresubjecttocreditapproval.FulltermsandconditionswillbeincludedinourLetterofOffer.Bankfeesandchargesapply. Pleaseviewour CreditCardConditionsofUse.  Applicationsaresubjecttocreditapproval.FullConditionsofUsewillbeincludedinourLetterofOffer.Feesandchargesapply. CommonwealthBank



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