Most of us will have some form of Visa statement. Most will be issued at the time of application, but many others are sent with a regular monthly payment. To keep our statements current, there are a few things we can do to keep our monthly expenses from stacking up.
Many companies charge late payment fees, if you're more than ten days late on making a credit payment. To avoid late payments, review your Visa statement for a past due payment and pay it off on the date the payment was made. If your payment is late, contact your company and explain the situation. If the problem is resolved satisfactorily, the late payment will be removed from your Visa statement. If the problem persists, contact your company again and explain your financial situation.
If you're not familiar with the credit card that your company has issued, visit the Visa website and go to the Visa Cards section. You can find out about your available cards and how much each one costs. Each card has an introductory rate, a balance transfer rate and a cash back rate. For example, a credit card may offer three percent back on purchases, a five percent back rate on balance transfers, or a nine percent back rate on cash withdrawals.
Most of us will find that the Visa statements we receive each month contain errors. Errors include missed payments, charge backs, charge offs and other errors. To catch any errors, contact your card company immediately. If a chargeback occurs, the card company will investigate your case and send you a credit report so you can dispute the chargeback.
You should always check your Visa statements at least once per month. This will prevent you from missing any charges that were already reported. If your account has a balance, you should make sure you pay it off in full. To do this, go online and look for the balance transfer page. At this page, you can transfer your balance to another account.
Most card companies allow you to choose from an unlimited card numbers. To do this, go online and find the Visa Cards section of your card company's site. and select “Card Management.”
When you enter the number, click “Check My Statement” on the left side and the next page, click “Sign Out.” Your card company will then mail you a credit card statement each month.
The credit card companies are aware that you may miss a month or two due to traveling or other commitments. If you send your Visa statement late, they may increase your card limit or even suspend your privileges. If you don't pay your balance in full, they will charge late fees.
Many card companies will have an annual fee associated with your card. Make sure you read the fine print of your card contract before you apply for a card. Some companies charge you a membership fee for their card, and others charge you a monthly membership fee.
If you do decide to get a card from the card company, make sure you pay your balance off every month. To do this, log into the Visa Website, and click “Check My Statements” under the “My Accounts” link, and then on the left side of the screen click on “Sign Out.”
Then you can click on “Print Statement,” select “Printed” under “Your Visa Statements,” and then select “Print All” to print out a new statement. Every time you apply for a credit card, you can request a new Visa statement. You can also use the Visa website to print statements for all of your credit cards, including your debit cards and other prepaid cards.
It is important to keep your credit card information secure and confidential. Don't give out your card information over the phone, email or any other form of electronic communication, especially if the person you are talking to does not know you are requesting a credit card. Credit card companies will also monitor the information you provide on your Visa statement. Be sure to review your Visa statement regularly to make sure there are no errors.
