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Your statement arrives each billing cycle, on paper or by email depending on what you chose. You can read every statement in uPortal360: select Statements in the menu. This works whichever you picked.
When it arrives. Your billing cycle closes about 25 days before your due date, and a mailed statement is posted around 21 days before it — so allow for post on top of that. Your very first cycle is much shorter than the rest, which is why the first statement covers only a few days.
The Statements page listing statement number, billing cycle start and end, and due date, with CSV and Print export buttons Select View to open one in the portal, or use CSV and Print to export. A statement open in the uPortal360 viewer, with page thumbnails down the left and download and print controls A full statement page showing the Summary of Account Activity, Payment Information, Write to Us, promotional interest, Notices, Transactions and Fees panels

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Payment Information

The panel to read first. It tells you what to pay and by when.
If you are behind, your Minimum Payment Due is more than your usual payment. A scheduled payment of $109.06 with $109.06 past due gives a Minimum Payment Due of $218.12.Paying your usual amount will leave you past due.

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Summary of Account Activity

Where your balance moved this cycle. Read Credit Available against Credit Limit and New Balance. A Credit Available of $0.00 means one of two things. Either your balance has used the whole limit, or your line of credit is closed.
This is not a credit card. Your credit limit works only for purchases from the business named at the top of your statement, on the line “Statement in reference to your Account with.” It will not work at other stores. Your agreement says the credit limit can be increased or decreased from time to time.

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If your line of credit is closed

A line of credit closes when you or we close the account, or when your balance stays at $0.00 for the number of days your program sets. On a closed line, Credit Available is $0.00, whatever Credit Limit is printed beside it. Your statement may still show your original limit. You cannot make new purchases. You still owe your balance, and your payments continue until it is paid. To see whether your line is closed, or to ask why, call (888) 233-2302, or in uPortal360 select Help, then Start Inquiry (sign in first if you are not already in). Under Billing, select I Have a Question About My Bill.

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If you have a promotional offer

There is an extra panel, and it is the most important one on the statement. The column names differ depending on which kind of offer you have — see Finding your promotion details for the two versions side by side. Read what you still have to pay against the total interest at stake. The second is what you owe if you miss the deadline.

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Transactions and Fees

Every payment, credit and adjustment this cycle, and any fees. The full history — going back beyond this cycle — is under Transactions in the portal.

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Notices

Where your Account Number and Access Code are printed, along with a note if you have recurring payments scheduled.
Your statement carries both of your sign-in details. Keep it somewhere sensible and shred it rather than putting it in the bin — see How we protect your information.

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Write to Us

The addresses for mailed payments and for correspondence. If you are mailing a payment, see Ways to pay — and if you are paying from Canada, the address is different.

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The warnings at the bottom

Late Payment Warning gives your grace period and late fee. These vary by program — some accounts have ten days, some fifteen, some have no late fee at all. Yours is in your agreement. Minimum Payment Warning, on revolving accounts, is the standard disclosure that paying only the minimum costs more and takes longer. Every statement also prints a credit counseling referral number, if you would like free help with debt.

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Going paperless

You can switch to electronic statements, and switch back — see Alerts and paperless statements. Four things worth knowing about which statements arrive how:
  • If you fall behind, we post you a statement even if you are paperless. It is a second attempt to reach you, not a change to your settings — your paperless preference stays as it was.
  • If you are paperless but your email has not been verified yet, your first statement comes by post.
  • If you have a fixed-term account on AutoPay, statements are generated electronically and not posted to you.
  • If your address is outside the US, statements are electronic only. We do not post them internationally.

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When you pay off your account

Fixed-term accounts. Your final statement shows a $0.00 balance once the account is paid in full. In your Account Summary, the account shows Status: Closed and Sub-Status: Paid in Full. Keep that statement.
A returned (NSF) payment, a stop payment, or a chargeback on your last payment reopens the account and puts the balance back. Check your Account Summary after your final payment clears, not only on the day you pay.
Revolving accounts. You do not get a final statement. Statements stop when your balance reaches $0.00. Your line of credit then stays open for a number of days your program sets, in case you make more purchases. A new purchase restarts the count. If you make none in that time, the line closes and you can no longer make purchases on it. See If your line of credit is closed.

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Getting a paid-in-full letter

Check your Account Summary first (select Account Summary in the uPortal360 menu). It shows whether the account is closed and paid in full, but not the date it was paid off. Only an agent or the paid-in-full letter gives you that date. To ask for the date or the letter, call (888) 233-2302, or in uPortal360 select Help, then Start Inquiry (sign in first if you are not already in). Under Billing, select I Have a Question About My Bill, choose Other, and ask for a paid-in-full letter under Additional Details. After the account closes, no further statements are produced for a cycle that ends with nothing owing.