This applies to revolving accounts. If your account is a fixed amount over a fixed term, you
have one contract rather than individual charges — see
Your agreement details instead.
What each field tells you
The three statuses
If a charge has a promotional offer
Promotional terms attach to individual purchases, not to the whole account. You can have more than one running at once, with different expiration dates. If you pay more than your minimum, the extra goes to your promotional balances first — and where there is more than one, the one expiring soonest is paid first. You cannot choose a different order. See How your payments are applied.If you do not recognize a charge
Check the Description and Date first — a charge is recorded under the retail seller you bought from, which may not be the trading name you remember. If it is still not familiar, do not wait.Disputing a charge
What happens when you raise a dispute, and what to have ready.