A Credit Card Statement is a very important document that contains valuable information pertaining to your Credit Card. Once every month, a Credit Card holder will receive their Credit Card Statement, either on their e-mail address, their mailing address or both. Read further to know how to read Credit Card Statements.
Credit Card Statements contain details of every transaction carried out using the Credit Card and details such as the monthly billing cycle, your outstanding balance, as well as payments made to your Card. A Credit Card Statement is a useful tool to review your Card usage and keep a track of your transactions.
Components of a Credit Card Statement
Knowing about the various Credit Card Statement components is very helpful. Below are the key components of a Credit Card Statement:
- Total Credit Card bill
- Minimum amount due
- Due date
- Transaction history
- Credit limit.
You can also check for any interest that is being levied, rewards that you have earned and the available credit balance. Take your time and carefully check every detail for your Card so that there are no surprises later.
Importance of Credit Card Statement
Track transaction history
Your Credit Card Statement will contain details of every transaction carried out using your Credit Card. Thus, it becomes an important tool in reviewing your Card usage and finding out where you can limit your expenses. It also helps you single out any unauthorised use of your Card.
Find out the outstanding balance
The Credit Card Statement balance is the amount that you owe on your Credit Card for the latest billing cycle. This amount can easily be found by looking at your Credit Card Statement, at the end of the billing cycle.
Minimum amount due, billing cycle and due date
Your Credit Card Statement also contains details like the minimum amount due to be paid for your Credit Card, the period that the Statement is for (called the billing cycle) and the due date, the date until which you will have to clear all your outstanding dues or pay at least the minimum amount due.
How to check your ICICI Bank Credit Card Statement online
Usually, your Credit Card Statement is sent to you every month, either as a physical copy to your mailing address or a soft copy through e-mail. However, you can still check your Credit Card Statement online, using one of the following steps:
1) Check the ICICI Bank Credit Card Statement using Internet Banking:
- Visit www.icici.bank.in and click on ‘Login’
- Log in to Internet Banking using your User ID and Password OR you can also log in through your registered Mobile Number and Debit Card PIN, in case you do not remember your User ID and Password
- If you are choosing the latter, you need to enter your registered Mobile Number and click on ‘Authenticate’
- Next, you need to enter your ATM PIN and click on ‘Get OTP’
- Once you enter the OTP, click on the ‘Login’ option
- Go to ‘My Accounts’
- Click on ‘Credit Cards’
- Click on ‘Service Request’
- Click on ‘Credit Card Statement Request – E-mail’
- Choose the date required. You can also download the Statement as a PDF.
2) Check the Credit Card Statement of ICICI Bank using the iMobile App:
- If you are already an iMobile user, log in to the App, as per your preferred login option
- Click on the ‘Bill Payments’ tab
- Go to the ‘Credit Card’ section
- Navigate to the ‘Statements’ tab
- You will see three options – Current Statement, Last Statement and Past Statement.
- If you want to view transactions for the last 30 days, click on the ‘Past Statement’ category.
If you have not yet downloaded the iMobile App, you can get it from Google Play Store or App Store. The App is also now open to other Bank customers. You can activate the iMobile App by verifying your Mobile Number. The next step is to log in to the application using a Login PIN or Internet Banking User ID and Password or log in with your fingerprint.
How to Manage Errors in a Credit Card Statement?
Spotting errors in a Credit Card Statement is a very important process to stay away from paying extra fees or charges.
- Start by reaching out to your bank’s Customer Care right away
- Keep your receipts, messages and Credit Card Statements ready. They will help you explain your side clearly
- You should report the error within 60 days of getting your bill. Taking quick action keeps things smooth and saves you from paying for someone else’s mistake.
Can I change the password for my ICICI Bank Credit Card Statement PDF?
Currently, ICICI Bank only supports the last 4 digits of your credit card number as the password for the credit card statement PDF. You cannot customize this password, but you can safely share your statement by ensuring the security of your card number.
How do I download and open my ICICI Bank Credit Card statement PDF from Net Banking?
To download and open your ICICI Bank credit card statement PDF from Net Banking, follow these steps:
- Log in to ICICI Bank Net Banking.
- Go to Credit Cards > View Statement.
- Select the desired billing period and click Download PDF.
- Use the last 4 digits of your credit card number to open the downloaded PDF.
Conclusion
Using the above simple steps, you can procure your Credit Card Statement and find out your outstanding balance, your transaction history and start paying your Credit Card bills.
FAQ
How do I reset my ICICI Bank Credit Card statement password?
You cannot reset the password for your ICICI Bank Credit Card statement.
How do I view my ICICI Bank Credit Card statement on the iMobile?
Log in to ICICI Bank’s iMobile app, go to Credit Cards, and select statements to view or download them.
How do I download my ICICI Bank Credit Card statement online?
Here are the steps to download your ICICI Bank Credit Card statement:
Using the ICICI Bank iMobile App
1. Log in to the app
2. Tap on Cards & Forex
3. Select Manage
4. Choose Statements and select Past Month or the required statement period
5. Click on Download.
Using ICICI Bank Net Banking
1. Log in to the ICICI Bank Net Banking website
2. Go to the Credit Cards menu and select your card
3. Choose Current/Past Statement
4. Click on the Download icon to download the statement in PDF or Excel format