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Standard Chartered Bank periodically shares credit card statements with the cardholders. The statement lists all the purchases, payments and other transactions made to your account within the billing cycle. It basically summarizes how you have used your credit card during the billing cycle. Given below is the detailed information regarding Standard Chartered Credit Card Statement.
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Standard Chartered Credit Card Statement is a periodic statement that lists all the purchases, payments and other transactions made to your credit card within the statement period. You will receive the credit card statement every month from the bank. The statement comprises all the details related to your credit card, including minimum amount due, statement period, closing balance, outstanding balance and much more. It is important to read your credit card statement carefully to identify any fraudulent transaction.
Standard Chartered Bank Credit Card Statement consists of few components that define how you have used your credit card within the billing cycle. Some of the common terms that are being used in credit card statement are mentioned below:
Statement Period: The statement period is the duration for which the payment of the card has to be made, this is also known as the billing cycle.
Payment Due Date: It is basically the deadline by which the amount due by you should be paid to the bank. Payments made later than this date attract late payment charges.
Total Amount Due: This is the total amount that is due as on the statement date. It is inclusive of opening balance, new purchases and other charges.
Minimum Amount Due: It is the minimum amount that you need to pay to the bank on or before the due date to avoid any charges.
Closing Balance: It is the total balance or amount that is due on your card. You need to pay the closing balance if you are planning to pay off the entire debt.
Current Outstanding Balance: It is the total amount of the money that you are required to pay to the bank before the payment due date.
Transaction Summary: It is the history of all the transactions made by you during the billing cycle.
The minimum amount due is the minimum amount that you need to pay on or before the payment due date. It is calculated as 5% of your total outstanding amount and includes all the charges that are levied on your credit card.
For example: You have made a purchase of Rs. 10,000 on August 15 and the due date is September 26, then your minimum amount due will be Rs. 500 (5% of Rs. 10,000).
You can download the Standard Chartered Credit Card Statement online through internet banking or via mobile app. Given below are the steps that you need to follow to download the statement:
Step 1: Log in to the online net banking portal of Standard Chartered Bank using your username and password.
Step 2: Go to the ‘Card Services’ section on the homepage and click on the ‘Card Information’ option.
Step 3: Now, select the statement that you wish to see from the available options and download it in a pdf format.
Step 1: Download the SC Mobile App from the play store or app store.
Step 2: Login using your username and password.
Step 3: Go to the ‘Balances’ section on the homepage.
Step 4: Click on your preferred credit card and go to the ‘Transactions’ option.
Step 5: All your recent transaction history for the past 30 days will be displayed on the screen.
The bank also provides the facility of e-statement, where you can easily view or print your statement. The e-statements are sent monthly to the cardholders and are free of cost. To subscribe for an e-statement, you can either call the bank’s customer service and request for e-statement subscription or submit a written request at any of the Standard Chartered Bank branches for discontinuation of physical statements. Besides this, you can also use the net banking portal and sign up for an e-statement.
You can check your Standard Chartered Credit Card Statement offline by visiting the nearest branch, by calling customer care number or via SMS. Below mentioned are the details regarding the same:
By Visiting Nearest Branch: You can visit the nearest branch of the bank and request the representative for your credit card statement. The representative will give you the statement for the chosen time duration.
By Calling Customer Care: You can call on the Standard Chartered Bank Credit Card customer care number and request for the statement. The representative will ask for a few details for verification and process your request after authenticating all the details.
Via SMS: You can get the details of the last 5 transactions on your credit card by sending an SMS in a pre-defined format. Send – TRN to +91 9987123123.
If there are any errors found in your credit card statement like unauthorized payment, you must inform the bank in order to fix it. Here is how can you can deal with such errors:
Q. When will I receive my Standard Chartered Credit Card Statement?
A. Generally, the bank sends credit card statements every month to all the credit cardholders. However, the bank sends e-statements on a monthly as well as weekly basis. You can opt for e-statements by filling out the form.
Q. What is the Standard Chartered Credit Card Statement password to open the file?
A. The bank has a set format of password to open the credit card statement. The password is a combination of your date of birth and the last 8 digits of your credit card number. For example, if you are born on 25 Feb 1970 and your credit card number is 9876-5678-4567-1234, then your password will be 25027045671234.
Q. Is there any fees charged by the bank for Standard Chartered Credit Card Statement?
A. No, the bank does not incur charges for e-statements and for downloading statements through net banking and mobile banking. However, the bank will charge a nominal fee for physical statements.
Q. How long does it take to apply for a Standard Chartered Credit Card Statement?
A. To apply for any of the Standard Chartered Bank credit cards, you need to fill out an application form through the official website of the bank. Once all the documents are signed and the application form is submitted, it takes around 10-12 days for the credit card to be approved.
Q. How do I pay my Standard Chartered Bank Credit Card dues online?
A. You can carry out the payment of your credit card statement via your net banking account through the immediate or set-up standing order payment mode. You can also pay the bill through demand draft or cheque by visiting the nearest branch.
