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How can you Check a Credit Card Statement


Know the Steps to Check Credit Card Statement and How to Pay It?


  1. How can you check a credit card statement?

  2.  The maximum outstanding amount

  3. Minimum due amount

  4. Remaining credit limit

  5. Payment due date

A credit card statement lists out all credit and debit transactions of a cardholder that is made on this card. Knowing how to check credit card statements helps one track their monthly expenses and have better control over their budget.






1: How can you check a credit card statement?


Users with credit cards need to keep a track of their transactions to manage their finances better, and follow-up on any unauthorised usage. The purpose is efficiently served with the help of credit card statements that are provided by issuers without any charges.


Knowing how to check credit card statements correctly requires an in-depth idea on the most vital details mentioned in them. Viz. –



2: The maximum outstanding amount


The maximum outstanding amount on a credit card statement is the entire sum that a cardholder is liable to pay at the end of a month. Issuers calculate the outstanding amount for the previous billing cycle. It comprises the current loan EMIs, interest charged, any outstanding amount from last billing cycle (if any), taxes, etc.



3: Minimum due amount


In case cardholders lack ample funds to pay a maximum amount, they can opt to meet the minimum outstanding to pay credit card payment. Users in shortage of funds can easily pay this considerably smaller sum within the due date and hence prevent incurring late payment fines and other such charges.



4: Remaining credit limit


Credit limit of a card is the upper limit of credit which can be utilised by a user via the card. The pre-sanctioned credit limit provided is determined by factors like the current financial status of the individual, job stability, financial history, FOIR, etc. 



5: Payment due date


It is one of the most crucial elements in the credit card statement and consists of the time within which the individual needs to pay their outstanding amounts.
Generally, cardholders have a window of 20 days post the day of bill generation to clear the outstanding amount. Note that this number of days varies between lenders. In case you fail to make the payment within the pre-set due date, later fees may be charged on the total due amount.


So, it is equally essential to opt for the appropriate card variant as per your spending habit and use the credit card wisely to draw the maximum benefit out of it.


  • One can pay the due credit card payment via multiple modes that include – cheque payments, bank transfers, NEFT, etc.