Your Credit Score
Thinking about applying for credit? Check Your Credit Score for free, with no impact on your credit file.
This guide explains what your monthly credit card statement includes and how to read it.
While there’s a balance on your credit card account, we’ll issue a statement to you every month. The only time you won’t receive a statement, is if your balance is zero and there’s been no new activity.
Credit card statements are delivered by post or online, depending on how your account is set up and any preferences you’ve told us about. If you need communications in another format, like large print, Braille or audio CD, please get in touch.
To view statements online, you need to be registered for Online Banking. You’ll receive a reminder by email as soon as a new statement is available to view.
Once you’re logged in, it’s also easy to update your statement and contact preferences. From the help and support menu, select 'Manage online and paper preferences'.
You can also view statements in the Mobile Banking app, putting information at your fingertips wherever you are.
When viewing your statements online, make sure you check the full PDF version, not just the statement summary.
There are benefits to getting your statements online:
There’s a lot of information on your statement, but there are some key things to look out for on each page, which should make it all easier to get to grips with.
The front page includes:
The transaction pages include:
Finally, the summary box covers:
Once each year, around the anniversary of your account being opened, your monthly statement will include a summary of your account activity for the previous 12 months, including:
It’s a good idea to review how you’re using and managing your credit card account, just in case there’s anything you’d like to do differently in the following months.
Your monthly credit card statement includes details about your minimum payment, and when it’s due. It’s a good idea to pay as much as you can afford to reduce your balance and any interest costs.
There are lots of payment options available, including Direct Debit, debit card, bank transfer and cheque. Whichever you choose, just make sure your payment gets to us on time.
If you miss a payment or go over your agreed credit limit, in addition to fees and charges, you could lose any introductory and promotional interest rates. If that happens, your standard account interest rates and fees will apply. Missing a payment could also affect your credit score, making it harder to get credit in future, so it’s important to keep track and manage your account carefully.
If you’re ever finding it difficult to make credit card payments, we’re here to help. It’s always best to talk, and speaking to us alone won’t affect your credit score. We’ll offer you guidance and help you with the best course of action to move forward.
You’ll find information and support at our money worries page, or you can call us on 0808 145 0439. Lines are open Monday to Friday, 8.00am to 8.00pm and Saturday, 8.00am to 5.00pm.
It’s a good idea to keep hold of recent receipts and email confirmations, so you can check them against your statement when it arrives.
If you spot a transaction you don’t recognise, or there’s a problem, you’ll find helpful information on our credit card payment disputes page.
Most credit card purchases of over £100 and up to £30,000 are protected by Section 75 of the Consumer Credit Act 1974, which could cover you if something you’ve paid for is faulty, doesn’t arrive or isn’t as described.
Other times you should get in touch
If there’s an account fee or charge on your statement that you wouldn’t expect, get in touch so we can check it for you. You should also contact us if you think your account is at risk from fraud.
Just as your statement will tell you how much you owe (your outstanding balance), it’ll also tell you if your account is in credit. We don’t charge interest on credit balances. That money is yours.
If you’re not planning to use your card for a while, as an alternative to spending the money using your credit card, we can arrange a credit balance refund to your UK current account. To do that, give us a call on 0345 944 4555. Speak to an adviser 8am – 8pm, seven days a week.
Not all Telephone Banking services are available 24 hours a day, seven days a week.
The only time you won’t receive a statement is if your balance is zero, and there’s been no new account activity in the last month.
Yes, you can change your payment due date, which will also change the date your statements are issued. This might be helpful if, for example, your salary from work is paid to you after your credit card payment due date usually falls.
Depending on when you make your request, your change might apply to a future statement and payment, rather than the next or current one.