Question 1

How do I read a credit card statement?

Accepted Answer

To read your credit card statement: check your statement balance (total owed), note the payment due date and minimum payment, review all transactions for accuracy, look at fees and interest charges, check your credit limit and available credit, and verify your rewards or points earned. Pay attention to the grace period to avoid interest.

Question 2

What is the difference between ACH and recurring card payments?

Accepted Answer

ACH pulls funds directly from your bank account with lower fees, used for mortgages and utilities. Recurring card payments charge your credit/debit card, offering more protection and easier disputes but higher merchant fees.

Question 3

Can I rent a car with a debit card?

Accepted Answer

Yes, you can rent a car with a debit card, but policies vary by rental company. Many require additional documentation (like proof of insurance, a credit check, or utility bills), a larger deposit, and may restrict vehicle selection. Some companies only accept debit cards for local rentals. Credit cards are generally preferred by rental agencies.

Question 4

How often should I review my bank statements?

Accepted Answer

Review statements at least monthly when issued, but checking weekly or even daily through online banking helps catch errors or fraud quickly, track spending in real-time, and maintain better financial awareness.

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Frequently Asked Questions

How do I read a credit card statement?

What is the difference between ACH and recurring card payments?

Can I rent a car with a debit card?

How often should I review my bank statements?

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