Use this interactive credit card statement to familiarize yourself with the terms and general information commonly included on a real credit card statement. Move your cursor over the statement to view an explanation of each term.
Your total new balance, the minimum payment amount (the least amount you should pay), and the date your payment is due. A payment generally is considered on time if received by 5 p.m. on the day it is due. If mailed payments are not accepted on a due date (for example, if the due date is on a weekend or holiday), the payment is considered on time if it arrives by 5. p.m. on the next business day.
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An estimate of how long it can take to pay off your credit card balance if you make only the minimum payment each month, and an estimate of how much you likely will pay, including interest, in order to pay off your bill in three years (assuming you have no additional charges). For other estimates of payments and timeframes, see the Credit Card Repayment Calculator.
If you trigger the penalty rate (for example, by going over your credit limit or paying your bill late), your credit card company may notify you that your rates will be increasing. The credit card company must tell you at least 45 days before your rates change.
A list of all the transactions that have occurred since your last statement (purchases, payments, credits, cash advances, and balance transfers). Some credit card companies group them by type of transactions. Others list them by date of transaction or by user, if there are different users on the account. Review the list carefully to make sure that you recognize all of the transactions. This is the section of your statement where you can check for unauthorized transactions or other problems.
Credit card companies must list the fees and interest charges separately on your monthly bill. Interest charges must be listed by type of transaction (for example, you may be charged a different interest rate for purchases than for cash advances).
The total that you have paid in fees and interest charges for the current year. You can avoid some fees, such as over-the-limit fees, by managing how much you charge, and by paying on time to avoid late payment fees.
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This interest charge calculation will also outline the specific times when the APR is set to change depending on how your account is coded. It outlines how your APR is calculated which is the sum of two or more of these factors:
Your credit card statement may include an important messages section or account notices section which is meant to alert you to any changes made during the billing period. That might include any changes you requested, such as a credit limit increase or a switch to a different card type.
Most credit card companies allow you to keep and access your credit card statements through their online banking platform for at least a year. Capital One, for example, stores online statements for up to seven years. So there are three main ways you can get your credit card statements:
While you might enjoy the convenience of having paper statements on hand, online statements are just as accessible, have the same information, and could save you a few hours of sorting through stacks of documents.
If you already have an automatic feed then there are Audit Rules available to prevent them submitting a report unless they've included card transactions older than x number of days. I'd also recommend disabling the ability for users to delete card transactions.
We have card transactions imported into each users Available Expenses. We also require them to attach their bank statements at the report level to ensure they include all of their transactions that match the statement. The idea you suggested for the audit rule is a great one! Thanks so much!
We have Concur import our credit card information directly into each person's Available Expenses. However, since our credit card statement begins and ends mid-month, when I get the statement, I send out emails to everyone (we only have about 50 people w/corporate credit cards) with the amount of their portion for the current statement. Some people don't understand that due to timing issues not everything charged within a certain time frame is listed on the statement, but it's a work in progress. I agree with @DeanR about not letting users delete card transactions. That has saved us more than once when someone wants to delete a transaction because it's not on the current month's statement (but will be on the next month's statement).
@TTrepanier Thanks for posting in the SAP Concur Community. Will you require the statement at the report header or entry level? Are you looking for just the steps to provide your users? It would be no different than attaching a receipt. Let me know and I am happy to provide you with the instructions.
A credit card issuer may not treat a required minimum payment as late for any purpose if the minimum payment is received by the card issuer within 21 days after mailing or delivering the credit card statement disclosing the due date for that payment. This means if your minimum payment is received by the card issuer within 21 days after the statement is mailed or delivered, the card issuer cannot
Please note: The terms "bank" and "banks" used in these answers generally refer to national banks, federal savings associations, and federal branches or agencies of foreign banking organizations that are regulated by the Office of the Comptroller of the Currency (OCC). Find out if the OCC regulates your bank. Information provided on HelpWithMyBank.gov should not be construed as legal advice or a legal opinion of the OCC.
Reviewing your credit card billing statement each month can be a useful way to monitor your finances and help you keep track of your recent transactions. Although your statement contains relevant information regarding your recent activity (including purchases and payments), it can be difficult to understand the ins and outs of your billing cycle, fees, transactions and more.
Your monthly credit card statement is a record of your recent transactions, activity, and any applicable fees and interest charges. Credit card companies and banks typically mail out your monthly statement after the end of your billing cycle.
Your monthly credit card statement is typically available at the end of your billing cycle. A billing cycle is a period of time during which your credit card transactions are recorded and processed into a monthly statement. Your credit card statement may arrive in the mail or your email inbox (if you have opted for paperless statements) each month, approximately 21 days before your next minimum payment is due.
If your statements are available in your online bank portal, keeping paper copies around is likely unnecessary. Banks have to keep many types of records for at least 5 years. Chase account holders, for instance, can access up to 7 years of account statements. If a specific statement is not available to view online, you may be able to order it from the financial institution.
Your credit card statements are full of important pieces of information that can help you manage your account. By gaining a better understanding of your monthly statement, you may be able to prevent confusion and surprises when it comes to fees and interest rates. You can also learn more about your spending habits while keeping an eye out for fraudulent charges or errors. Statements are usually available online for 5 or more years, which is helpful if you don't want to keep several years worth of paper copies around.
For Informational/Educational Purposes Only: The opinions expressed in this article may differ from other employees and departments of JPMorgan Chase & Co. Opinions and strategies described may not be appropriate for everyone, and are not intended as specific advice/recommendation for any individual. You should carefully consider your needs and objectives before making any decisions, and consult the appropriate professional(s). Outlooks and past performance are not guarantees of future results. 152ee80cbc
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