Question 1

What is the last statement balance on a credit card?

Accepted Answer

The last statement balance refers to the total amount you owed at the end of your previous billing cycle. It's the balance from your most recent statement before any new charges or payments made in the current cycle. This figure helps track whether you paid off your previous balance in full.

Question 2

What is phishing in banking?

Accepted Answer

Phishing is a fraud attempt where criminals impersonate banks via email, text, or phone to steal personal information. Banks never ask for passwords or PINs via email. Always verify communications directly with your bank.

Question 3

What is mortgage refinancing?

Accepted Answer

Refinancing means replacing your current mortgage with a new loan, typically to get a lower interest rate, reduce monthly payments, change loan terms, switch from ARM to fixed-rate, or cash out equity. You'll go through the application process again, pay closing costs, and should calculate whether long-term savings outweigh upfront expenses.

Question 4

How long do I have to dispute a transaction?

Accepted Answer

For credit cards, you typically have 60 days from statement date. For debit cards, report unauthorized transactions within 2 days for $50 liability, within 60 days for $500 liability, or unlimited liability after 60 days.

Convert OP-Pohjola Group Statementsto Excel, CSV & JSON

Why Choose Us?

How to Convert OP-Pohjola Group Statements

Upload Statement

AI Processing

Download Results

Why Use Our OP-Pohjola Group Converter?

End-to-End Encryption

Flawless Conversion

Save Hours of Work

Trusted by Thousands

Frequently Asked Questions

What is the last statement balance on a credit card?

What is phishing in banking?

What is mortgage refinancing?

How long do I have to dispute a transaction?

Ready to Convert Your OP-Pohjola Group Statements?