Credit Card Online Guide

The first time you access the site you must enroll.  To enroll, cardholders need to enter their account number, social security number, C V V 2 number and two of the following things:

 

·        Name as it appears on the card.

·        Telephone Number

·        ZIP code / postal code

·        Mothers maiden name

 

Cardholders also choose an alpha-numeric password that is 8-20 characters long.  They will use this password, along with their username to log into www.mycardstatement.com in the future.

The account summary page at www.mycardstatement.com gives cardholders a view of their account as of the date and time displayed.  This screen gives the cardholder the following information:

 

·        Account Balance

·        Available Credit

·        Payment Due Date

·        Credit Limit

·        Amount and Date of Last Payment

·        Minimum Payment Due

 

A detailed list of all transaction since last statement is also available.

Cardholders have access to the past six months of account statements on www.mycardstatement.com.  More statements will be added until a total of 18 months of history can be displayed.  Cardholders select the statement they want to review from the list of closing dates in the previous statements summaries drop-down menu.

Cardholders can download transaction information from this page to use with their own money management software.  Downloaded files include transaction information, merchant addresses, memos, and category information.

Cardholders can view transaction detail from the Statements page by clicking on individual transactions.  From the transaction detail screen, cardholders can assign expense categories and add memos to transaction.  The memo feature is a handy feature for record keeping.

Cardholders can securely pay their credit card bill from the Bill Payment page of www.mycardstatement.com.  They supply the account number and routing numbers of valid savings or checking account, the name on the account, and the payment amount.  Payment transactions entered online by 3:00 p.m. Eastern Time will be processed each business day, and will reflect on the cardholder's account the next business day.

Cardholders can change their e-mail address or password from the Cardholder Profile page.  Cardholders not wishing to access their account via www.mycardstatement.com can also disable access from this page by clicking on the disable online access link.

Cardholders are able to find specific expenses quickly with the Find Transactions page.  At www.mycardstatement.com cardholders can search card account information using any of the following criteria:

·        Transaction type

·        Merchant name

·        Expense category

·        Transaction memo

·        Transaction amount

·        Date posted since

Once a search is completed, cardholders can save the search criteria so they do not have to reenter the criteria.

Cardholders can track card expenses by creating, viewing and printing reports from the Reports page.  Cardholders can also view, the ten merchants they've spent the most with, or the ten most expensive purchases charged to their card.  Cardholders can view the report in table or chart format.  Once a cardholder generates a report in www.mycardstatement.com it can be saved for viewing.  When a cardholder runs the report again it will be run against the state of the account at that time.

The Set Alerts page allows cardholders to mange their account by having www.mycardstatement.com monitor for specific events.  Cardholders can set up as many alerts as they want and MyCardStatement.com will send them a notification via e-mail when the event occurs.  Cardholders can set alerts fro any of the following account events:

·         The credit limit is reached or exceeded

·         A new statement is available

·         Balance is within a certain amount of the credit limit

·         Balance exceeds or drops below a certain amount

·         A payment, credit, or return posts to their account

·         A posted item exceeds a certain amount

Cardholders may also select Send an alert on this date, to have www.mycardstatement.com e-mail them to remind them of any date or occasion.  After a cardholder submits an alert it is added to the Alerts you've saved list.  After an event occurs and notification has been sent, the alert is deactivated, but not removed from the list of saved alerts.  Alerts that have been sent are listed along with the event occurred.  Cardholders can reset alerts by clicking reset to the right of the alert description.  The site will then send them an e-mail notification when the event occurs again.  The site will then send them an e-mail notification when the event occurs again.  When they are no longer needed, cardholder can delete alerts.