It’s the statement.

Statement (Monthly Statement) generally includes electronic statements and paper statements. It refers to the loan center (credit card center) of the card-issuing bank. After the cardholder settles the monthly statement,

Encapsulate the cardholder's credit card details into an email and send it to the billing mailbox written by the cardholder, or print a statement and send it to the cardholder's billing address, and indicate the consumption amount and minimum repayment. Amount and final payment deadline, etc.

Cardholders should first carefully check whether the statement and the retained signature are consistent. If there is any discrepancy, they can notify the bank and suspend the payment of the fee.

Extended information:

Statement notes:

1. Don’t use "minimum repayment amount" lightly

Many first-time contacts Cardholders on their credit card statements don't understand why there is a column called "Minimum Payment Amount" alongside the current balance.

In fact, the "minimum repayment amount" is prepared for those who cannot afford to repay the credit card in full. Once you repay according to the minimum repayment amount, the "revolving credit" of the credit card will be used. The bank will charge interest on all arrears from the billing date. But we will not see relevant prompts on the statement.

For example, Article 30 of a bank's credit card regulations clearly stipulates that "when the cardholder chooses the repayment method with the minimum repayment amount or uses the card beyond the credit limit approved by the card issuer, he will no longer enjoy interest-free repayment. Overdraft interest shall be paid on the unpaid portion according to the prescribed interest rate from the bank accounting date.

Card holders do not enjoy the interest-free repayment period and minimum repayment amount treatment when withdrawing cash. Overdraft interest will be calculated and paid at the prescribed interest rate starting from the bank accounting date. "

2. Always keep the credit limit in mind

The more these routine items are taken for granted, the easier it is to fall into them. Misunderstanding. In fact, if you carefully study the above terms, you may find another point: "When you use the card beyond the credit limit approved by the card issuer," you will not enjoy the interest-free treatment. This requires us to pay attention to another item - credit limit.

In the upper left corner of your credit card statement, there is usually a column that tells you how much credit you have. The so-called credit limit is the total amount of overdraft that a credit card holder is allowed to have. A common misunderstanding that people often make is that they forget their credit limit. It doesn't matter if you use less of your credit limit. If you accidentally exceed it, not only will you not be able to enjoy the interest-free treatment, but you will also be charged an over-limit fee.

An effective suggestion is that when you are not sure how much credit limit you have available, consult the credit card service hotline to avoid exceeding the limit!

3. Don’t change the cash advance limit if you think about it

In the upper left corner of the credit card statement, immediately after the credit limit, there is usually a "cash advance limit" The meaning of the project is that the bank authorizes you to withdraw cash from the ATM machine, which is generally 20 to 50 of your credit limit and is included in your credit limit.

Baidu Encyclopedia—Statement