want to keep track of your credit card transactions to budget your monthly spending? then, you should be viewing your credit card statement regularly. ICICI Bank enables you to view as well as download your credit card statement online. you can earn additional rewards and cashback by making your ICICI credit card payment via CRED.
now, let's read below to know the ways of obtaining and understanding your credit card statement.
ICICI Bank allows you to view and download your ICICI credit card statement. you can also register to get your credit card e-statement on email ID. follow the steps to understand the process of registering for a credit card statement.
you can view and download your credit card statement through internet banking. if you haven’t registered for internet banking, you can contact the ICICI customer care to register. visit the ICICI customer care page to know the helpline number and get your internet banking user ID and password.
here are some benefits of opting for ICICI Bank credit card statement:
payment due date
the term payment due date means the date before which the credit card bill payment has to be made to the bank. if your ICICI credit card bill payment is not made before the due date, some charges might be levied upon you as a penalty.
minimum amount due
the term minimum amount due means the minimum amount that needs to be paid before the payment due date. paying this minimum amount creates a good impression of your account. a late fee might be levied on you if you are not able to pay this amount.
total amount due
total amount due is the total amount that you owe to the bank after spending from your credit card. this amount has to be paid back to the bank before the due date.
the term closing balance means the total amount remaining in your card by the end of each statement period.
the opening balance is the total amount present in your card at the start of each statement period.
transaction summary gives you a summary of your spendings on various things. this summary gives you a quick insight into your spendings.
rewards points are the points that you have accumulated by carrying out transactions over time. you can also view the validity of reward points.
credit card limit is the total amount extended to you by your credit card issuer. you cannot spend beyond the credit limit set by the bank.
available credit limit
the available credit limit is the total balance amount remaining on your credit card in the given statement cycle. this is the amount that you can spend in the current cycle.
available cash limit
the available cash limit is the amount of cash that you can withdraw from an ATM in the current statement cycle of your credit card.
if you notice any errors in your credit card statement, you need to get it rectified to be able to pay off your credit card bills. here is how you can rectify the error in your statement.
it takes a minimum of 90 and of maximum 180 days for a dispute to be resolved.
no, ICICI Bank will discontinue sending the hard copies of your credit card statements if you opt for e-statements.
if you have a current account in ICICI bank, you can choose to receive the e-statements daily, weekly or monthly. but if you are a credit card customer, then you will receive your credit card e-statements every month.
if the dispute is accepted by the bank, there will be temporary credit of the disputed amount. but if the bank does not accept the dispute, you will have to make the credit card payment before the due date.