In the Limits section, you can see the credit limit, available credit limit, and the cash limit provided to you on your HDFC credit card. The statement will give you all the details of the transactions made in a month including the reverse entries as well. Apply for Credit Card Online. Get Personal Loan Buy 24K SBI Credit Card. SBI Unnati Card. Axis Bank Credit Card. Citibank Credit Card. Bank of Baroda Credit Card.
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Best Credit Cards for Doctors. Best Credit Cards for Chartered Accountants. Credit Cards with No Annual Fee. Credit Cards with No Credit. Credit Cards for Bad Credit. Credit Cards for Pensioners in India. A credit card statement is a report offered by banks and financial institutions periodically showing the transactions done through the credit card by the user within a particular time frame so that the user can keep the track on monthly expenditures.
The report also informs the user about other relevant information regarding credit card for stipulated billing cycle such as due balance etc. To keep track on expenditures through credit card statement of a single card or multiple cards, a user needs to know about the content of credit card statement and understand the terminology as almost every credit card statement has a similar layout.
This number should always be noted down somewhere so that in case of theft or fraud, an immediate complaint could be reported with the HDFC bank to block it from further usage, without having to go for HDFC credit card login to find the number. Credit Limit: It is the maximum amount that HDFC allows the user to borrow, set on the basis of income, customer profile and credit score of the user. If the user exceeds this limit, the bank charges an overdrawn fee on the amount spent over the limit.
Available Credit Limit: It is the difference between the credit limit and the amount that has been spent. For eg: If the credit limit is Rs. Often, users consider it as the last day for payment of dues, but it is the last day for the bank to receive the payment, beyond which, the bank will consider it as a late payment. So, payment due date might be the last date of payment for the user who is paying online through IMPS where the amount usually gets credit on the same day, but not for the person who is paying through cheque as cheque clearance takes time and the bank might receive the amount past the due date.
Statement Date : Statement date is the one on which purchase has been made by the user, and it is used to calculate the interest amount if the complete outstanding amount has not been paid by the user till the payment due date.
The cash advance withdrawn is charged a one-time transaction fee at 2. Interest rates for cash withdrawal are high as compare to the purchases made by credit card. Total Amount Due: is the cumulative amount, including interest and overdrawn charges, which is to be paid to the credit card company. If the customers don't pay this amount before the payment due date, it is considered as late payment and attracts certain late fees.
The other disadvantage of this service is that even if you pay the minimum amount, the interest gets charged on the whole amount.
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