What is a bank statement?

The so-called bank statement is a credit card statement, and the bank sends you a bill for you to check.

Credit card bills are usually sent by SMS and email. It used to be paper bills. After the bill date, the bank will mail the credit card bill to the cardholder. The statement will record all the expenses of your credit card in a billing cycle, as well as the payable amount and minimum repayment amount of the bill. Another purpose of the statement is to remind the cardholder to repay. But later, in order to save costs, the bank canceled the paper bill and changed it into an electronic bill. After the bill is dated, the electronic bill will be sent to the e-mail box reserved for the cardholder to facilitate the cardholder's inquiry.

So the bank statement is actually a credit card bill. After all, cardholders have the right to know. If the cardholder has any objection to the statement, he can directly call the customer service of the bank and ask the bank to mail the paper bill for easy checking. If the transaction is really not his own consumption, the cardholder can refuse to repay the credit card bill, ask the bank to cancel the amount he has not consumed, and then reissue the bill. After receiving the new bill, the cardholder can make repayment. In addition, the credit card bill will clearly record any expenses incurred by the cardholder in the process of using the credit card, including the annual credit card fee, credit card installment fee, credit card overdue penalty and interest.

In addition to the bank statement, you can also see the credit card statement in the credit card exclusive software, and every consumption will be clearly recorded in it. If you have any objection to a transaction, you can also raise an objection, and then the bank will adjust the statement, and then the merchant will provide the cardholder's consumption certificate. If the merchant can't provide it, it proves that the transaction is not my consumption, and then the visa is refused successfully. However, if the merchant can provide the cardholder's consumption voucher, and the voucher is indeed his own consumption, it is a refusal to pay.

But remind all card friends not to refuse to pay maliciously, otherwise it will constitute a crime.

So to sum up, a bank statement is actually a credit card bill. On the billing day, the bank will send an electronic bill to your cardholder, which is convenient for the cardholder to check the consumption situation of last month, and the statement can also remind the cardholder to repay on time.