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Credit Card Statements

Credit card statements provide a quick and easy means for you to check on the status of your credit card, including the amount you currently owe, your overall balance and your interest rate. Perhaps one of the most important aspects of your credit card balance, however, is the fact that it provides you with a list of the places where you made your purchases and the amount you were charged. In this way, you can quickly and easily double check your statement to ensure there has been no suspicious activity with your credit card.

When you get your credit card statement each month, it is imperative for you to check it for accuracy. In the best case scenario, you should have kept all of your receipts. Then, when the credit card statement arrives, you can check the statement against your receipts. In this way, you can be sure the statement is accurate and that no one has stolen your information and is using it to make fraudulent purchases.

It is also a good idea to check the interest rate shown on your credit card statement. If you have a variable interest rate, this may change from statement to statement without providing you with advanced notice. Even if you have a fixed interest rate, the credit card company can make a change as long as it provides you with fifteen days advanced notice. Since these notices usually arrive in the form of small print within a very long document or pamphlet, it is easy to overlook. Checking your statement each month, however, is a simple way to stay on top of your current rate.

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