ಆಗಾಗ್ಗೆ ಕೇಳುವ ಪ್ರಶ್ನೆಗಳು
ಡಿಜಿಟಲ್ ಬ್ಯಾಂಕಿಂಗ್
How to View Your Unbilled Credit Card Statement on the New HDFC Bank App
ಪ್ರತಿ ಸ್ವೈಪ್ ನಿಮ್ಮ ಸ್ಟೇಟ್ಮೆಂಟ್ನಲ್ಲಿ ಕಾಣಿಸಿಕೊಳ್ಳುವ ಮೊದಲೇ ನಿಮ್ಮ ಲಭ್ಯವಿರುವ ಕ್ರೆಡಿಟ್ ಮಿತಿಯ ಮೇಲೆ ಪರಿಣಾಮ ಬೀರುತ್ತದೆ.
ಸಾರಾಂಶ:
Unbilled Credit Card statement shows transactions you’ve already made but are not billed yet.
Tracking your unbilled transactions lets you anticipate your upcoming Credit Card bills.
You can check whether transactions were successful or not.
Through HDFC Bank App, you can share track your unbilled transactions at any time, any place.
ಮೇಲ್ನೋಟ
One of the important components of Credit Card spending is unbilled transactions. These are transactions you’ve already made but have not been added to your current Credit Card statement. While these may not require immediate payment, unbilled transactions still impact your available credit limit and contribute to your next bill. Here’s how you can track your unbilled Credit Card transactions on the HDFC Bank app.
What is an Unbilled Credit Card Statement?
An Unbilled Credit Card transaction is the one that has not been billed in the current statement. It will be billed in the upcoming statement.
• Example: Billed vs Unbilled Credit Card Transactions
Suppose your Credit Card statement is generated on the 5th of every month.
| ಟ್ರಾನ್ಸಾಕ್ಷನ್ ದಿನಾಂಕ | ಟ್ರಾನ್ಸಾಕ್ಷನ್ ಮೊತ್ತ | Status on 5th June Statement |
|---|---|---|
| 28 May | ₹5,000 | Billed |
| 2 June | ₹3,000 | Billed |
| 6 June | ₹2,500 | Unbilled |
| 10 June | ₹4,000 | Unbilled |
| ಒಟ್ಟು | ₹14,500 |
ಇಲ್ಲಿ ಕ್ಲಿಕ್ ಮಾಡಿ,:
• The purchases made on 28 May and 2 June are included in the statement generated on 5 June. These are billed transactions and are payable by the due date mentioned in the statement.
• The purchases made on 6 June and 10 June occur after the statement generation date. These are unbilled transactions and will appear in the next statement.
• Your total card spending, i.e., the card limit utilised, is the sum of billed and unbilled transactions: ₹14,500, in this case.
How to View Your Unbilled Credit Card Statement
Login to the HDFC Bank App.
Tap on 'Cards' from the home screen or the bottom navigation bar, and easily select your Credit Card.
On the summary page, tap on ‘View All’ to check all your unbilled transactions.
Track your unbilled card spends anytime on the all-new HDFC Bank App.
Importance of Tracking Unbilled Credit Card Transactions
Now that you know how to track your spends, understand its importance:
Know Your Actual Spending
Your available credit limit may not reflect all the transactions you've already made. Tracking unbilled spends gives a more accurate picture of your current expenses.
Avoid Bill Shock
Large purchases made after the previous statement generation will appear in the next bill. You can monitor these unbilled transactions and anticipate your upcoming payments.
Manage Credit Utilisation Better
Even before they are billed, transactions consume your available credit limit. By keeping track, you can help you avoid high utilisation, which may impact your credit profile.
Spot Unauthorised Transactions Early
When you review unbilled transactions regularly, you can identify suspicious or incorrect charges before the billing cycle ends.
Plan Cash Flow and Repayments
Knowing how much is already spent but not yet billed can help you plan your finances and ensure sufficient funds are available when the payment due date arrives.
ಸಮ್ಮಿಂಗ್ ಅಪ್
You can’t stay in control of spends you aren’t monitoring. The HDFC Bank App offers a convenient avenue to track your Credit Card spends, both billed and unbilled.
Experience HDFC Bank differently! Download the all-new HDFC Bank app.
*ಹಕ್ಕು ನಿರಾಕರಣೆ: ನಿಯಮ ಮತ್ತು ಷರತ್ತುಗಳು ಅನ್ವಯವಾಗುತ್ತವೆ. ಈ ಲೇಖನದಲ್ಲಿ ಒದಗಿಸಲಾದ ಮಾಹಿತಿಯು ಸಾಮಾನ್ಯವಾಗಿದೆ ಮತ್ತು ಮಾಹಿತಿ ಉದ್ದೇಶಗಳಿಗಾಗಿ ಮಾತ್ರ. ಇದು ನಿಮ್ಮ ಸ್ವಂತ ಸಂದರ್ಭಗಳಲ್ಲಿ ನಿರ್ದಿಷ್ಟ ಸಲಹೆಗೆ ಪರ್ಯಾಯವಲ್ಲ. ಎಚ್ ಡಿ ಎಫ್ ಸಿ ಬ್ಯಾಂಕ್ ಲಿಮಿಟೆಡ್ನ ಸ್ವಂತ ವಿವೇಚನೆಯಿಂದ ಕ್ರೆಡಿಟ್ ಕಾರ್ಡ್ ಅನುಮೋದನೆಗಳು. ಕ್ರೆಡಿಟ್ ಕಾರ್ಡ್ ಅನುಮೋದನೆಗಳು ಬ್ಯಾಂಕ್ನ ಅವಶ್ಯಕತೆಗೆ ಅನುಗುಣವಾಗಿ ಡಾಕ್ಯುಮೆಂಟೇಶನ್ ಮತ್ತು ಪರಿಶೀಲನೆಗೆ ಒಳಪಟ್ಟಿರುತ್ತವೆ. ಬಡ್ಡಿ ದರಗಳು ಬದಲಾಗಬಹುದು. ಪ್ರಸ್ತುತ ಬಡ್ಡಿ ದರಗಳಿಗಾಗಿ ದಯವಿಟ್ಟು ನಿಮ್ಮ ಆರ್ಎಂ ಅಥವಾ ಹತ್ತಿರದ ಬ್ಯಾಂಕ್ ಶಾಖೆಯೊಂದಿಗೆ ಪರೀಕ್ಷಿಸಿ.
ನಿಮ್ಮನ್ನು ಉತ್ತಮವಾಗಿ ತಿಳಿಯಲು ನಮಗೆ ಸಹಾಯ ಮಾಡಿ
ನಮ್ಮ ಕ್ರೆಡಿಟ್ ಕಾರ್ಡ್ ಬ್ಲಾಗ್ನಲ್ಲಿ ನೀವು ಯಾವ ರೀತಿಯ ವಿಷಯಗಳನ್ನು ಹೆಚ್ಚು ಮೌಲ್ಯಯುತವಾಗಿ ಕಾಣುತ್ತೀರಿ? (ಅನ್ವಯವಾಗುವ ಎಲ್ಲಾ ಆಯ್ಕೆಮಾಡಿ)
ನಮ್ಮ ಕ್ರೆಡಿಟ್ ಕಾರ್ಡ್ ಬ್ಲಾಗ್ನಲ್ಲಿ ನೀವು ಯಾವ ರೀತಿಯ ವಿಷಯಗಳನ್ನು ಹೆಚ್ಚು ಮೌಲ್ಯಯುತವಾಗಿ ಕಾಣುತ್ತೀರಿ? (ಅನ್ವಯವಾಗುವ ಎಲ್ಲಾ ಆಯ್ಕೆಮಾಡಿ)
Yes, they do. Even though they have not been billed yet, unbilled transactions reduce your available credit limit as soon as they are processed.
No. Only transactions that appear in your generated statement are considered when calculating the minimum amount due for that billing cycle.
Yes. You can make payments towards their outstanding balance, including unbilled transactions, before the statement generation date in your HDFC Bank app.
