Statement FAQs
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 Recent Transactions
Historical Statements
- Can I view my statements online?
Yes. You may view your most recent statement and past statements after logging in to your Account and clicking on the Statements tab. To view your most recent statement, click on the "Last Statement Summary" link, and for historical statements, click on the "Historical Statements" link.
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- How is the PDF statement different from what I'm viewing online?
The PDF statement is an exact copy of the paper statement you receive by U.S. Mail. The Statements tab provides a summary of statement information including Transaction Detail and Pending Charges.
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- Why do I need Adobe® Reader® to view the PDF statement?
Adobe® Reader® is software used for the viewing and printing of electronic documents. You will need this software installed on your computer to save and print your statement in PDF format.
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- How do I install Adobe® Reader®?
Click on the
‡ link and follow the Adobe® Reader® download instructions.
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- How many historical, paper statements am I able to access online?
With this feature, you can view and print up to 12 months of your past account statements online at anytime.
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- Where can I find my APR, Annual Percentage Rate, and Interest Charge Calculation information?
You can find your current APR, Annual Percentage Rate, and the Interest Charge Calculation on the PDF version of the statement. To launch the PDF, click on the "View Complete Statement with APR" link, or refer to your paper statement sent through U.S. Mail.
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- What is the Statement Summary?
The Statement Summary is an online snapshot of your monthly statement. It allows you to view the complete statement (PDF), transaction details, and Statement Tools such as Download Transactions using MS Money and Quicken.
To access statement summary information, choose the statement you want to view from the list of statements located on the Historical Statements page.
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- What is View Complete Statement with APR?
The "View Complete Statement with APR" link launches a PDF file that is an exact replica of the paper statement. This link can be found in the Quicklinks, Statements Tools and Historical Statements section under the Statements tab. It contains your APR, Annual Percentage Rate, and Interest Charge calculation. You can view, print or save the PDF directly to your computer. If a link to the PDF is not located on these pages, refer to the paper statement you received through U.S. Mail.
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- What is Important Account Information?
The Important Account Information column may contain key documents, such as Cardmember Agreements, you should retain for your records. We will only provide PDF links periodically on the Historical Statements or the Statement Summary pages. If available, you can view, print or save these documents directly to your computer. The same "Important Account Information" is sent periodically with the U.S. Mail version of the paper statement.
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- Can I receive the U.S. Mail statement AND the PDF version online?
Yes. You can receive your statement by U.S. Mail and have the ability to view, print or save up to 12 months worth of the PDF statements directly to your computer. You can view your PDF statement by clicking on to the "View Complete Statement with APR" link located under the Statement tab or within the Quicklinks menu.
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Paperless Statements
- Paperless Statements
Paperless Statements are not yet available for all cardmembers. If the "Go Paperless" option is available to you, you will find "Change Statement Delivery" in the Statement Tools menu or under the Statements and Customer Service tabs. In order to qualify for Paperless Statements:
- You must have a valid email address
- Your account must not be 15 or more days delinquent.
Note: Paperless Statements are not yet available for all cardmembers.
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- How do I enroll in Paperless Statements?
You can enroll in paperless statements by clicking on the Statements tab and then choosing Change Statement Delivery. From the Change Statement Delivery page, click the Go Paperless Now button to begin the process. Depending on your statement closing date you may receive one more paper statements sent through U.S. mail. Note: Paperless Statements are not yet available for all cardmembers.
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- How can I cancel Paperless Statements and start receiving the paper version sent by U.S. Mail?
You can cancel your Paperless Statements enrollment by selecting the Statements or Customer Service tab and then choosing "Change Statement Delivery." From the "Change Statement Delivery" page, click the "Switch to U.S. Mail Delivery" button to begin the process. It may take up to two billing cycles before you receive the paper version of your statement. While we process your request, you will need to continue to view your statements online and make payments on time prior to the payment due date. Note: Paperless Statements are not yet available for all cardmembers.
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- How do I pay my bill if I have Paperless Statements?
All payment methods remain the same whether you choose to "Go Paperless!" or not. You can make payments online by logging into your account and selecting the Payments tab and choosing "Pay My Bill" to begin the process. Note: Paperless Statements are not yet available for all cardmembers.
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- When I registered for online account access, why is the Electronic Delivery statement option not available?
When you register for online account access, you must choose either Postal Delivery (U.S. Mail) or Electronic Delivery (Paperless) as your Statement Delivery Preference. If your account becomes 15 or more days delinquent, you will not qualify for enrollment in paperless statements. If you choose Electronic Delivery as your Statement Delivery Preference during registration and we determine that your account is delinquent, your Statement Delivery Preference will be changed to U.S Mail.
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- I received an email advising that my enrollment in Paperless Statement was cancelled. Why?
If your account becomes 15 or more days delinquent, your Statement Delivery Preference will be automatically changed back to U.S. Mail. After your account is brought current, you can enroll in Paperless Statements again by logging in to your account and clicking on the Statements tab, then choosing Change Statement Delivery.
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Fees
- What is Over the Credit Limit coverage?
Over the Credit Limit Coverage may allow you to avoid having transactions declined when our records show a transaction will take you over your credit limit. If you choose to have Over the Credit Limit Coverage, an Over the Credit Limit Fee will be assessed if you go over your credit limit. You will only pay one fee per billing cycle, even if you go over your limit multiple times in the same cycle. If you choose Over the Credit Limit Coverage and you do not go over your limit, you will not be assessed an Over the Credit Limit Fee. To learn more and find out how to request Over the Credit Limit Coverage, call the number on the back of your credit card.
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- Why do I have a late fee on my account?
As a reminder, we must receive your minimum payment by the Payment Due date or a Late Fee will be assessed. You may click on the "View Complete Statement with APR" link in the Statement area for an explanation of when payments are posted based on receipt. Please allow at least 7 business days for your payment to reach us by mail and 2-3 business days for online payments.
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- How can I avoid being charged a late fee on my account?
Here are a few suggestions to help you avoid having your payment be received after the due date.
- For mailed payments, please mail at least 7 business days in advance.
- Use our Online Bill Pay Service to schedule your payments to post by the due date or to schedule payments in advance.
- Use our Rush Payment service if your payment is due the same day you access your online account and have not yet made a payment.
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Search Transactions
- Can I search for a specific transaction?
Yes. You can search for a specific transaction: By Date, By Amount or By Description.
- Log in to your Account.
- Click on the "Statements" tab.
- Click on "Activity Since Your Last Statement."
- Finally, click on Search Transactions.
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Billing Dispute
- Who should I contact if I discover an error on my billing statement?
After logging in to your Account, click on the specific transaction in question. If after reviewing the detailed transaction information you still think there has been an error, you can click on the "Transaction Description" link to begin the process of disputing that charge. After clicking submit, a confirmation email will be sent to you.(You may also contact a Customer Service representative at the number on the back of your credit card to ask questions about the transaction or dispute the charge.)
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Download Transactions/Statements
- How do I download my statements to import them to my favorite software?
To import your Credit Card transactions to Quicken®, Microsoft Money® or your favorite software, first download your Credit Card transactions.
- Log in to your account.
- Click on the "Statements" tab.
- Choose the month of the statement you want to download by clicking on to either the "Last Statement Summary" or "Historical Statements" link.
- Choose Quicken, Microsoft Money or Comma Delimited from the "Download Transactions" drop down box then click the "Go" button.
- If you have not already opened your Quicken®, Microsoft Money®, or your favorite software, please open your software and read their directions on how to import your files. Directions do vary based on different versions (e.g., Quicken 97, 98, 99 or 2000).
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