UK credit card guides
How to read a UK credit card statement
Start with the statement balance, the minimum payment and the payment due date. Then look for the charges and rates to understand the cost of the card.
An example statement, line by line
- Statement balance · £2,400
- The balance on the date the statement was issued. The live balance in your app can include activity since then.
- Minimum payment · £62
- The minimum your provider asks you to pay by the date shown.
- Payment due date · 25 November
- The date the payment is due.
- Interest charged · £29.40
- The amount added as interest for the period on this statement.
- Fees charged · £0.00
- Any fees shown for the statement period, separately from interest.
Look beyond the first page
Check the transaction list for payments and refunds, and the rates section for purchase, transfer and promotional rates. If a figure or date is unclear, check the provider’s PDF or ask the provider to explain it.
Check your own statement privately
Choose a PDF to see the figures Statement Check can identify. The file stays on your device.
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