Customer service number: All issuing members of Your Credit Card Companies provide 24-hour, seven-day-a-week customer service. Call your issuer's customer service number to check your balance, make a payment, report a lost or stolen card or to speak with a customer service representative about any questions you have about the terms of your agreement or any discrepancies you may find on your statement.
Balance: This is your account total as of the statement date. It includes any unpaid balance from the previous months, new purchases since the closing date of your last statement and any cash advances you may have taken. Other charges such as finance charges and fees are also usually included.
Payments and credits: You should review this section to ensure all payments and credits, such as those that might come from a store refund, have been accurately recorded.
APR: Also known as the interest rate, the Annual Percentage Rate (APR) is the cost of credit. If you carry an unpaid balance, the APR is your best indicator of account costs. The higher your APR, the more you will pay in finance charges. Your rate may also change as described in the Cardmember Agreement or upon written notice from your card issuer. Make sure the rates noted in your statement are in accordance with your understanding of the terms of your agreement with the credit card issuer. Call your card's customer service department if you have any questions or note any discrepancies.
Finance charges: This is the price paid to a lender for the use of borrowed money. Finance charges include both interest and certain fees. Interest is charged as a percentage of your outstanding balance. This percentage, or interest rate (APR), can vary from card to card.
Cash advances: Your interest rate (APR) for cash advances may be different than the rate for card purchases. Check the cash advance APR on your card statement or your ard agreement.
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