The so-called bank statement is the credit card statement date. The bank sends you the statement for you to check.

Credit card statements are generally sent via text messages and emails. Previously, they were paper statements. After the statement date, the bank will mail the credit card statement to the cardholder. The statement will record all the purchases made by your credit card in a billing cycle, as well as the repayment amount and minimum payment amount of the current bill. Another purpose of the statement is to remind the cardholder to repay. However, in order to save costs, the bank later canceled paper bills and replaced them with electronic bills. On the bill day, electronic bills will be sent to the email address reserved by the cardholder to facilitate cardholder verification.

So the bank statement is actually a credit card statement. After all, the cardholder has the right to know. If the cardholder has any objection to the statement, he can directly call the bank customer service and ask the bank to mail the paper statement for easy verification. If For transactions that are really not consumed by the person, the cardholder can refuse to repay the credit card bill, ask the bank to cancel the amount that was not consumed by the person, and then send a new bill. The cardholder can then repay the bill after receiving the new bill. In addition, the credit card bill will also clearly record any fees incurred by the cardholder during the use of the credit card, including annual credit card fees, credit card installment fees, overdue credit card penalties and interest, etc.

In addition to bank statements, you can also see credit card bills in the dedicated credit card software. Each purchase will be clearly recorded in it. If you have objections to a certain transaction, you can also raise objections. Then the bank will adjust the order, and the merchant will provide the cardholder's consumption voucher. If the merchant cannot provide it, it will prove that the transaction was not consumed by the person, and the chargeback will be successful. However, if the merchant can provide proof of the cardholder's consumption, and the evidence is indeed that the cardholder made the purchase, the chargeback will fail.

However, I would like to remind all cardholders not to maliciously refuse payment, otherwise it will constitute an illegal crime.

So to summarize, a bank statement is actually a credit card statement. On the statement day, the bank will send you an electronic statement to the cardholder to facilitate the cardholder to check the consumption of the previous month. At the same time, the statement can also provide reminders. Cardholders make repayments on time.