Card card issuers are increasingly using technology to make it easier for cardholders to manage their credit card accounts. If you’ve lost your credit card statement or it hasn't come in the mail yet or if you just prefer a digital copy, you should be able to pull up your most recent billing statement online with a few easy clicks. Nearly all banks and credit card issuers offer online account access.
Create an Online Account
To access your credit card statement, you'll first have to create an online account via your card issuer's website. If you obtained a credit card through your current bank or credit union, your credit card account may be accessible through your existing online banking account. If not, check the back of your credit card for the credit card issuer's web address where you can create an online account.
Creating your account will require you to enter some basic identifying information, including your credit card account number. You'll also have to create a username and password to access your account in the future.
Find Your Billing Statement
After you log in, you should see some basic information about your account: your current balance, available credit, minimum payment due, next due date, and a list of transactions. Look around for a link that will take you to a copy of your statement - often a PDF that you can download and save.
Make a Payment
Another benefit of creating an online account - easier payments. While you're logged in you can make or schedule your next credit card payment. While you're probably accustomed to using your credit or debit card for online purchases, that option won't be available for credit card payments. Instead, you'll need your bank account and routing number to make a payment.
Your credit card issuer may give you the option to enroll in paperless billing. Rather than receive credit card statements by mail, you’ll receive an email when your credit card statement is ready to be viewed online. You may prefer this option to reduce clutter and to benefit the environment, especially if you primarily make your credit card payments online.
Stay On Top of Account Activity
Checking your account activity at least weekly allows you to keep up with your balance and due date and make sure there's no unauthorized activity on your account. In addition to a web accessible account, many credit card issuers also have mobile apps that help you keep track of activity.
When to Pay Your Bill
Being able to access your account online means you don't have to wait for your due date to make a payment. In fact, there are benefits to paying early.
The percentage of credit you're using impacts your credit score, and the balance reported to the three major credit bureaus—Equifax, Experian, and TransUnion—is the balance that appears on your monthly statements. Keeping your balance to less than 30 percent of your credit limit ensures a low balance is reported to the credit bureaus and is best for your credit score.
Paying your balance in full each month may not be enough. The credit bureaus only receive a snapshot of your account history on a specific day of the month. By regularly tracking your account online, you pay your balance down before your statement is generated to reduce your balance below the 30-percent threshold.