{"id":152532,"date":"2025-03-23T23:06:45","date_gmt":"2025-03-23T23:06:45","guid":{"rendered":"https:\/\/peraltafinancing.com\/accounting\/credit-card-statement-how-to-read-example\/"},"modified":"2025-03-23T23:06:45","modified_gmt":"2025-03-23T23:06:45","slug":"credit-card-statement-how-to-read-example","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=152532","title":{"rendered":"Credit Card Statement | How to Read &#038; Example"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p><a href=\"https:\/\/www.jpmorganchase.com\/institute\/all-topics\/business-growth-and-entrepreneurship\/small-business-use-of-credit-cards\" target=\"_blank\" rel=\"noreferrer noopener\">Nearly 80%<\/a> of small businesses have and use credit cards for business purposes. If you\u2019re part of this majority, you\u2019ll receive a credit card statement each month.<\/p>\n<p><span id=\"more-74441\"\/><\/p>\n<p>Your credit card statement is more than just a reminder to pay. It details your financial activity so you can track spending, reconcile your accounts, <a href=\"https:\/\/www.patriotsoftware.com\/blog\/accounting\/how-file-small-business-tax-return\/\">file a small business tax return<\/a>, and dispute fraudulent charges.<\/p>\n<p>If you don\u2019t know how to read a credit card statement, you could miss out on key financial insights that can help you grow your business.\u00a0<\/p>\n<h3 class=\"vv-40 fz-18 fw-b bdr-btm-lb-40 mb-2\">Skip Ahead<\/h3>\n<h2 class=\"wp-block-heading\" id=\"h-credit-card-statement-definition\">Credit card statement definition<\/h2>\n<p><strong>A credit card statement is a summary of all transactions made with your credit card during a billing cycle.\u00a0<\/strong><\/p>\n<p>Use your business credit card statement to view information like your:<\/p>\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul class=\"wp-block-list\">\n<li>Transaction history<\/li>\n<li>How much you owe<\/li>\n<li>Minimum payment due<\/li>\n<li>Payment due dates<\/li>\n<\/ul>\n<\/div>\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul class=\"wp-block-list\">\n<li>Interest charges and fees<\/li>\n<li>Rewards summary<\/li>\n<li>Available credit<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<p>Credit card statements typically cover one month of transaction history. Your provider sends you a paper or digital copy of the statement at the end of the billing cycle.\u00a0<\/p>\n<p>A high credit card balance can hurt your <a href=\"https:\/\/www.patriotsoftware.com\/blog\/accounting\/improve-small-business-credit-score\/\">business credit score<\/a>. Use your business credit card statement to avoid missing payment deadlines, review transactions and spending, and check that you\u2019re on budget.\u00a0\u00a0<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-how-to-read-your-credit-card-statement\">How to read your credit card statement<\/h2>\n<p>Like a <a href=\"https:\/\/www.patriotsoftware.com\/blog\/accounting\/bank-statement\/\">business bank statement<\/a>, your credit card statement includes everything you need to know about your account activity during the billing cycle.\u00a0<\/p>\n<p>Understand how to read your credit card statement to take full advantage of the information it\u2019s telling you. And to read your statement, you need to know the parts of a credit card statement.\u00a0<\/p>\n<p>Here are the main sections in a typical credit card statement:<\/p>\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-2 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul class=\"wp-block-list\">\n<li>Account details<\/li>\n<li>Account summary<\/li>\n<li>Payment information<\/li>\n<li>Fine print\u00a0<\/li>\n<\/ul>\n<\/div>\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul class=\"wp-block-list\">\n<li>Transactions<\/li>\n<li>Fees and interest charged<\/li>\n<li>Rewards summary<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<h3 class=\"wp-block-heading\" id=\"h-1-account-details\">1. Account details<\/h3>\n<p>This section details account information such as:<\/p>\n<ul class=\"wp-block-list\">\n<li>Credit card provider name<\/li>\n<li>Your name and mailing address<\/li>\n<li>Your account number<\/li>\n<li>Billing cycle dates<\/li>\n<\/ul>\n<h3 class=\"wp-block-heading\" id=\"h-2-account-summary\">2. Account summary<\/h3>\n<p>Your account summary section includes key credit card statement at a glance, including:<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Previous balance: <\/strong>Your balance for the previous month<\/li>\n<li><strong>Payments and credits: <\/strong>Credit card payments you made during the billing cycle\u00a0<\/li>\n<li><strong>Purchases: <\/strong>How much you spent on transactions during the billing cycle<\/li>\n<li><strong>Fees charged: <\/strong>Any fees the credit card company charged (e.g., <a href=\"https:\/\/www.patriotsoftware.com\/blog\/accounting\/small-business-late-payment-fee\/\">late payment fees<\/a>)<\/li>\n<li><strong>Interest charged: <\/strong>Any interest the credit card company charged<\/li>\n<li><strong>Statement (or \u201cnew\u201d) balance: <\/strong>The total amount you owe at the end of the billing cycle<\/li>\n<li><strong>Credit line: <\/strong>The total amount you can spend on your credit card<\/li>\n<li><strong>Available credit line: <\/strong>The current amount available for you to spend after subtracting your balance<\/li>\n<li><strong>Cash advances: <\/strong>The total amount you can take as a cash advance, and your available cash advance amount<\/li>\n<\/ul>\n<h3 class=\"wp-block-heading\" id=\"h-3-payment-information\">3. Payment information<\/h3>\n<p>The payment information section details the following information:<\/p>\n<ul class=\"wp-block-list\">\n<li>Statement balance\u00a0<\/li>\n<li>Minimum payment due<\/li>\n<li>Payment due date<\/li>\n<\/ul>\n<p>The payment information section may also contain a late payment warning and a minimum payment warning.\u00a0<\/p>\n<p><strong>A late payment warning <\/strong>details how much the company will charge you in interest and fees if you do not make on-time payments.\u00a0\u00a0<\/p>\n<p><strong>A minimum payment warning <\/strong>shows you how long it would take to pay off the balance if you only made minimum payments each month.\u00a0<\/p>\n<h3 class=\"wp-block-heading\" id=\"h-4-fine-print\">4. Fine print<\/h3>\n<p>There\u2019s plenty of fine print on each month\u2019s credit card statement. You might have a page or two dedicated to information about your account.<\/p>\n<p>This information may include your rights as a cardholder, credit reporting, an interest rate explanation, and credit card provider contact information.\u00a0<\/p>\n<h3 class=\"wp-block-heading\" id=\"h-5-transactions\">5. Transactions<\/h3>\n<p>Your transaction, or purchase, section lists each purchase you made line-by-line. You should carefully review this section to make sure each transaction listed is legitimate.<\/p>\n<p>Your transaction section includes:<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Purchase date: <\/strong>When you used the card<\/li>\n<li><strong>Vendor information: <\/strong>Where you made the purchase at<\/li>\n<li><strong>Merchant category: <\/strong>What type of transaction you made (e.g., \u201cgroceries\u201d)<\/li>\n<li><strong>Amount: <\/strong>How much you paid\u00a0<\/li>\n<\/ul>\n<p>If you see a purchase at a business you haven\u2019t heard of, don\u2019t panic. Some vendors have a different registered name than their \u201c<a href=\"https:\/\/www.patriotsoftware.com\/blog\/accounting\/what-is-a-dba\/\">doing business as<\/a>\u201d name (aka the name on their storefront or website).\u00a0<\/p>\n<p>If you see a transaction that doesn\u2019t look familiar, contact your credit card provider to ask for more information.\u00a0<\/p>\n<h3 class=\"wp-block-heading\" id=\"h-6-fees-and-interest-charged\">6. Fees and interest charged<\/h3>\n<p>With an <a href=\"https:\/\/www.bankrate.com\/credit-cards\/advice\/current-interest-rates\/#resources\" target=\"_blank\" rel=\"noreferrer noopener\">average interest rate of around 20%<\/a>, credit cards have arguably one of the highest interest rates of all types of borrowed money.\u00a0<\/p>\n<p>This section of your credit card statement shows you how much you\u2019re paying in interest and other fees, like late payment fees and cash advance fees.<\/p>\n<p><strong>Pro Tip: <\/strong>Pay off your full statement balance by the due date to avoid interest.\u00a0\u00a0<\/p>\n<h3 class=\"wp-block-heading\" id=\"h-7-rewards-summary\">7. Rewards summary<\/h3>\n<p>Most credit card companies offer cash back or other rewards to encourage you to spend money with the card.\u00a0<\/p>\n<p>Your rewards summary should detail:<\/p>\n<ul class=\"wp-block-list\">\n<li>Previous rewards balance<\/li>\n<li>Rewards earned during the billing cycle<\/li>\n<li>Rewards redeemed, if applicable<\/li>\n<li>Available rewards<\/li>\n<\/ul>\n<h2 class=\"wp-block-heading\" id=\"h-credit-card-statement-example-nbsp\">Credit card statement example\u00a0<\/h2>\n<p>Statement formatting varies by credit card company, but here\u2019s a simple example of a credit card statement.<\/p>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"589\" height=\"1024\" src=\"https:\/\/www.patriotsoftware.com\/wp-content\/uploads\/2025\/03\/Credit-Card-Provider-589x1024.webp\" alt=\"credit card statement example\" class=\"wp-image-74447\" srcset=\"https:\/\/www.patriotsoftware.com\/wp-content\/uploads\/2025\/03\/Credit-Card-Provider-589x1024.webp 589w, https:\/\/www.patriotsoftware.com\/wp-content\/uploads\/2025\/03\/Credit-Card-Provider-172x300.webp 172w, https:\/\/www.patriotsoftware.com\/wp-content\/uploads\/2025\/03\/Credit-Card-Provider-768x1336.webp 768w, https:\/\/www.patriotsoftware.com\/wp-content\/uploads\/2025\/03\/Credit-Card-Provider-883x1536.webp 883w, https:\/\/www.patriotsoftware.com\/wp-content\/uploads\/2025\/03\/Credit-Card-Provider.webp 960w\" sizes=\"auto, (max-width: 589px) 100vw, 589px\"\/><\/figure>\n<\/div>\n<h2 class=\"wp-block-heading\" id=\"h-how-to-use-your-credit-card-statement-nbsp\">How to use your credit card statement\u00a0<\/h2>\n<p>Your credit card statement is an important document for your business. Here are four ways you can use your statement.<\/p>\n<h3 class=\"wp-block-heading\">1. Disputing charges<\/h3>\n<p>You\u2019re reviewing your monthly credit card statement, and everything\u2019s pretty standard. But then, you see it\u2014a $450.00 transaction for \u2026 professional bass fishing equipment?!<\/p>\n<p><em>You know you never bought that.<\/em> <strong>So, you dispute the unauthorized charge immediately.\u00a0<\/strong><\/p>\n<p>Luckily, credit card providers offer fraud and billing error protections. But without reviewing your statement, you could miss erroneous or unauthorized transactions and fail to report them.\u00a0<\/p>\n<p>You can dispute charges with your credit card company over:<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Unauthorized or fraudulent<\/strong> transactions you never made<\/li>\n<li><strong>Billing errors, <\/strong>like duplicate charges<\/li>\n<li><strong>Canceled services or subscriptions<\/strong> you\u2019re still being charged for<\/li>\n<li><strong>Returns or refunds<\/strong> the merchant never processed<\/li>\n<\/ul>\n<h3 class=\"wp-block-heading\">2. Tracking spending<\/h3>\n<p>Are you wasting money on unnecessary expenses? How does your spending line up with your budget?<\/p>\n<p>Use your credit card statement to track expenses and make sure you\u2019re not going over your <a href=\"https:\/\/www.patriotsoftware.com\/blog\/accounting\/how-create-business-budget\/\">business budget<\/a>.\u00a0<\/p>\n<p>Through consistent monitoring, you can start seeing spending patterns and adjust unhealthy habits, like overpaying for <a href=\"https:\/\/www.patriotsoftware.com\/payroll\/software\/\">payroll software<\/a>.\u00a0<\/p>\n<p>Your credit card provider may even provide tools that categorize expenses, like:<\/p>\n<ul class=\"wp-block-list\">\n<li>Utilities<\/li>\n<li>Gas stations<\/li>\n<li>Rent or commercial mortgage payments<\/li>\n<li>Insurance<\/li>\n<li>Subscriptions<\/li>\n<\/ul>\n<p><strong>Do your employees have company credit cards? <\/strong>Use your monthly statement(s) to monitor their purchases and ensure purchases comply with your business policies.\u00a0<\/p>\n<h3 class=\"wp-block-heading\">3. Reconciling your accounts<\/h3>\n<p>Account reconciliation is a key part of making sure your books are accurate, up-to-date, and error-free.\u00a0<\/p>\n<p>You can do this by <strong>comparing an account (e.g., liability) to your monthly statement<\/strong> to make sure they match.\u00a0<\/p>\n<p><a href=\"https:\/\/www.patriotsoftware.com\/accounting\/\">Accounting software<\/a> can streamline the process of reconciling your accounts. <\/p>\n<div id=\"blog-article-ad-block_c6d46d3951fbaa77f8101d8208d1378a\" class=\"blog-article-ad-block\">\n<div class=\"acct-blog-inline-ad ad-style-2 row\">\n<div class=\"blog-ad-img col-xs-6 col-xxs-12\">\n                              <img decoding=\"async\" src=\"https:\/\/cdn.patriotsoftware.com\/www\/images\/blog-ads\/accounting-blog-article-ad-img-demo.webp\" alt=\"Screenshot of Patriot Software's Accounting Overview page in the software. Also pictured: A Capterra 'Best Value' badge for Patriot's accounting software.\" role=\"presentation\"\/>\n                          <\/div>\n<div class=\"col-xs-6 col-xxs-12\">\n<div class=\"blog-ad-content\">\n<p>Automatically import transactions<\/p>\n<p class=\"ad-content\">With Patriot\u2019s accounting software, you can connect your credit card account so transactions are automatically imported into the software. Easy-peasy!<\/p>\n<div class=\"ta-r\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.patriotsoftware.com\/wp-content\/themes\/wordpress-theme\/assets\/images\/patriot-software-mini.svg\" alt=\"Patriot Software logo\" role=\"presentation\" width=\"90\" height=\"40\"\/><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/div>\n<h3 class=\"wp-block-heading\">4. Filling out tax returns and claiming deductions<\/h3>\n<p>Credit card statements are just one of the many supporting business documents the IRS requires you to keep in your records.\u00a0<\/p>\n<p>Statements document purchases, like the cost of raw materials or parts, and other expenses you incur to run your business.\u00a0<\/p>\n<p><strong>Your credit card statements act as supporting documents for tax-deductible business expenses.\u00a0<\/strong><\/p>\n<p>Look to the IRS to learn <a href=\"https:\/\/www.patriotsoftware.com\/blog\/accounting\/how-long-to-keep-business-records\/\">how long to keep business records<\/a>, like credit card statements. Keep copies of your statements for at least three years. In some cases, you may need to keep records for six years, seven years, or indefinitely.\u00a0<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-credit-card-statement-faqs\">Credit card statement FAQs<\/h2>\n<div class=\"schema-faq wp-block-yoast-faq-block\">\n<div class=\"schema-faq-section\" id=\"faq-question-1741289645967\"><strong class=\"schema-faq-question\"><strong>What does your statement tell you?<\/strong><\/strong> <\/p>\n<p class=\"schema-faq-answer\">Your credit statement lists your billing cycle dates, transaction history, how much you owe, minimum payment due, due date, and available credit.\u00a0<\/p>\n<p>It also includes any applicable interest charges, rewards summary, and fees.\u00a0<\/p>\n<\/p><\/div>\n<div class=\"schema-faq-section\" id=\"faq-question-1741289655856\"><strong class=\"schema-faq-question\"><strong>How do I get a credit card statement?\u00a0<\/strong><\/strong> <\/p>\n<p class=\"schema-faq-answer\">Your provider should issue a digital or paper credit card statement every month on your billing date. Log in to your online account or mobile app to access your digital statement.\u00a0<\/p>\n<\/p><\/div>\n<div class=\"schema-faq-section\" id=\"faq-question-1741289667998\"><strong class=\"schema-faq-question\"><strong>Does a statement mean you owe money?\u00a0<\/strong><\/strong> <\/p>\n<p class=\"schema-faq-answer\">Not necessarily. Your credit card statement summarizes your account activity during the billing cycle. You should receive a statement each month, regardless of if you have a balance due or not.\u00a0<\/p>\n<\/p><\/div>\n<div class=\"schema-faq-section\" id=\"faq-question-1741289676684\"><strong class=\"schema-faq-question\"><strong>How do I read my credit card balance?\u00a0<\/strong><\/strong> <\/p>\n<p class=\"schema-faq-answer\">You can find your balance on your credit card statement or by logging in to your online account.\u00a0<\/p>\n<\/p><\/div>\n<div class=\"schema-faq-section\" id=\"faq-question-1741289683796\"><strong class=\"schema-faq-question\"><strong>What is a credit card statement balance?<\/strong><\/strong> <\/p>\n<p class=\"schema-faq-answer\">Your statement balance is the total amount you owe on the last day of the billing cycle.\u00a0<\/p>\n<\/p><\/div>\n<div class=\"schema-faq-section\" id=\"faq-question-1741289692530\"><strong class=\"schema-faq-question\"><strong>What is a current balance?\u00a0<\/strong><\/strong> <\/p>\n<p class=\"schema-faq-answer\">Your current balance is the total amount you owe in real-time. It might be more or less than your statement balance if you made purchases or payments after the statement date.\u00a0<\/p>\n<\/p><\/div>\n<div class=\"schema-faq-section\" id=\"faq-question-1741289700982\"><strong class=\"schema-faq-question\"><strong>How long should you keep credit card statements?<\/strong><\/strong> <\/p>\n<p class=\"schema-faq-answer\">At the very least, keep credit card statements until you\u2019ve had a chance to review them. If there\u2019s a billing error, keep the statement until the dispute is over.\u00a0<\/p>\n<p>Keep business credit card statements related to your income tax returns (e.g., business deductions) for anywhere from three to six years in case of an IRS audit.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<p><span class=\"smaller-text\"><em>This is not intended as legal advice; for more information, please <a href=\"https:\/\/www.patriotsoftware.com\/about\/legal-disclaimer\/\">click here.<\/a><\/em><\/span>\n\t<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Nearly 80% of small businesses have and use credit cards for business purposes. If you\u2019re part of this majority, you\u2019ll receive a credit card statement each month. Your credit card statement is more than just a reminder to pay. It details your financial activity so you can track spending, reconcile your accounts, file a small [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":152533,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11759],"tags":[236,235,11084,3480,22778,4642],"dealstore":[],"offerexpiration":[],"class_list":["post-152532","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-accounting","tag-card","tag-credit","tag-expenses","tag-read","tag-recordkeeping","tag-statement"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Credit Card Statement | How to Read &amp; Example - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=152532\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Credit Card Statement | How to Read &amp; Example - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"Nearly 80% of small businesses have and use credit cards for business purposes. 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