Credit Card Online Statement

Credit Card Statement

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What Is a Credit Card Statement

A credit card (CC) statement is a billing document that the bank issues periodically (monthly) with all the transaction related information about your credit card. The information is not solely limited to transaction/payment history and also contains data related to available offers and many more. The CC statement contains data on every transaction done within a billing cycle and helps you track your expenses. Thus, it is important to check your credit card statement regularly to ensure that you are paying for authorised transactions only and to manage your finances adeptly.

How to Check Credit Card Statement

Following are discussed different ways to view CC statements online:

1) Get Credit Card Online Statement on Email

After registering your email ID with the credit card issuing company, you can opt for an online credit card statement facility. Then, you will be able to receive a credit card bill statement via email on the billing date from your CC issuing company. The bank will send you the document in the form of a  PDF file which will be password-protected. Thus, you can view the CC statement online by downloading it and entering the PDF password.

2) Check Credit Card Bill Statement via Netbanking

  • Step 1: Visit the credit card issuing company’s netbanking portal and log in with your credentials.

  • Step 2: Navigate to the credit card section.

  • Step 3: You should be able to see the latest credit card transaction statement under the tab ‘Statement’.

  • Step 4: Download the CC statement PDF.

  • Step 5: Provide the CC statement password to get the billing-related information.

How to Switch to Credit Card e-Statement

To switch to credit card e-statement, you simply need to login to the credit card netbanking portal, go to the ‘Credit Card’ section and click on the ‘Request e-statement’. The bank will then send an SMS and email alert at the end of the billing period with your latest credit card statement PDF and password.

Components of a Credit Card Statement

It is quite possible to get baffled when viewing a credit card statement for the very first time. First-time users may even find it difficult to understand the statement. Thus, to simplify the experience, credit card issuers segregate the statement into different sections and subsections. You can find following details in a credit card statement:

 

  • Details of the cardholder, such as name, residence address, and email address

  • Credit card-related details such as payment due date, total dues, available cash limit, minimum amount due, credit limit, and available credit limit

  • Past dues (if any) and details regarding overlimit

  • Account summary where you can find data such as opening balance, payment/credits, purchase/debits, finance charges, and total dues

  • Rewards points summary which gives information on opening balance, earned, disbursed, adjusted, and closing balance

  • Information related to domestic transactions date, transaction description, and amount

  • A credit card statement also contains offer-related details that are available on your credit card

  • Lastly, the credit card statement displays crucial information related to the terms and conditions of the bank

How to Download a Credit Card Statement

You can download your CC statement from the credit card netbanking portal by following the steps stated below:

 

  • Step 1: Login to the credit card netbanking account with your credentials.

  • Step 2: Navigate to the ‘Credit Cards’ section.

  • Step 3: You will see the latest credit card monthly statement under the tab ‘Statement’.

  • Step 4: Download the CC statement as a PDF.

  • Step 5: Provide the CC statement password to get the PDF file.

FAQs on Credit Card Statement

  • ✔️How do I get my Credit Card Statement?

    You can check credit card e-statements on your credit card netbanking portal anytime and from anywhere. If you have registered your email ID and opted for the green statement, you will get your credit card statement by email. If you want a physical statement, you can request one by calling customer care or by visiting your nearest bank branch.

  • ✔️How do I Check my Credit Card Balance?

    Your credit card balance will be mentioned under the ‘Account Summary’ section of your credit card statement. You can also use SMS banking or mobile banking to know your check credit card balance instantly.

  • ✔️What is listed in the credit card statement?

    Your credit card statement lists your payment due date, minimum amount due, credit limit, current outstanding balance, billing cycle, transaction history, rewards, and rebates.

  • ✔️When will my credit card statement be generated?

    Credit card statements are generated on a monthly basis at the end of every billing cycle.

  • ✔️Will I receive a credit card statement if my credit card is closed?

    If you have opted for credit card cancellation, you will not receive a credit card statement as there would be no new transactions on your card.

  • ✔️What if I do not receive my credit card statement?

    If you do not receive your credit card statement, you can call or email the credit card customer care of your bank or visit your nearest bank branch and request for the same.

  • ✔️What is a credit card statement password?

    The credit card statement password is a set format offered by the bank to access the document. The details of the password are mentioned in the email you receive. You simply need to follow the instructions to access your credit card statement. Password protection ensures that only you can access the file.

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