A billing statement, also known as the American Express Billing Statement is a copy of an invoice sent to you by your bank for credit card purchases. If you are applying for any type of credit, including personal credit, it will show up on your credit report, along with your name and address. In this article, we'll take a look at the steps you need to take if you are not satisfied with your American Express billing statement.
The first thing to do is call the American Express company that sent you the statement. The first step in the process is to request a refund. If the company isn't willing to do this, then you should be able to file a dispute on the statement with the credit reporting bureaus. You can contact them by phone, but if they won't give you a call back, then use the mail.
When you get the statement back from American Express, be sure to review it and check the numbers to make sure everything is accurate. There may be some discrepancies between the information in the statement and what you paid. If there are problems, you need to get them fixed before you apply for another American Express card. Sometimes these discrepancies are only minor credit disputes aren't worth much.
If there are problems, you should get in contact with your bank or account statements and get a credit statement. This statement shows all the information reported on your statement from American Express. The important part of this credit statement is the annual percentage rate. You can get an idea of how much your rate will be based on how many charges you pay each month.
After you have the credit card bills and statements, you can now compare the information. You might be surprised at how much money you owe if you don't. It's possible that your American Express billing statement contains errors. If you find one, try to get in touch with your bank or account to get your statements corrected before you apply for a new credit card.
If you've had your credit card for a while, it could still have errors, even though you've been paying on time. Because credit scores can change so quickly, it is best to periodically check your score. If you don't have to do this, check at least once a year to make sure that you aren't losing any points for no reason.