How to Check Your Credit Card Statement Online

A Good Way to Keep Tabs on Your Account

Page one of a credit card billing statement
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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

You'll have to create an online account to access your statement via your card issuer's website. If you obtained a credit card through your bank or credit union, your credit card account may be accessible through your online banking account. If not, check the back of your credit card. There likely is a web address where you can create an online account.

To create the account you'll need to provide some basic identifying information and create a username and password.

Find Your Billing Statement

After you log in, you should see basic information about your account: most recent balance, available credit, minimum payment due, next due date, and a list of transactions. You also should see a link that will take you to a copy of your statement that likely will be in the form of a PDF you can download.

Make a Payment

You also can make payments online. You'll need your bank account and routing number to make a payment because you can't make your regular credit card payment with another credit card.

Go Paperless

Your credit card issuer may give you the option to enroll in paperless billing. If you sign up, you’ll no longer receive credit card statements by mail. Instead, you’ll receive an email when your credit card statement is ready to be viewed online. You may prefer this option, especially if you primarily make your credit card payments online.

Stay On Top of Account Activity

Checking your account activity more frequently than monthly is a good idea, and tracking activity online is a good way to do this. Many banks, credit unions, and other credit card issuers also have mobile apps that help you keep track of activity by using your cell phone.

Checking your account activity weekly—or even more frequently if you use your card a lot—is a good way to make sure there is no unauthorized activity on your card, whether it be from identity theft or some other form of fraud.

When to Pay Your Bill

Waiting for a monthly statement isn't always the best way to pay your bill. The percentage of available credit you use is one of the things that impact your credit score, and your balance typically is calculated by the three major credit bureaus—Equifax, Experian, and TransUnion—from your monthly statements. Keeping your balance to less than 30 percent of your credit limit is best for your credit score.

Even if you believe you are doing this by paying your entire balance every month, the credit reporting agencies will see only the snapshot provided by your monthly statement. By tracking your account online, you instead can pay enough just before the statement is generated to bring your balance below that 30-percent threshold.