Credit Card Statement to Excel or CSV

A credit card statement is a different animal from a current account statement, and converters that treat them identically are quietly less reliable on cards than they look. The difference is one missing column, and it removes the only way a converter can prove to itself that it read the page correctly.

The missing column

A current account statement prints a running balance after every line, so each row can be checked against the one above it: previous balance plus this amount must equal the new balance. Card statements almost never print that. They give you a list of charges, a few credits, and totals at the bottom. With no chain to follow, there is nothing to verify the rows against - so on a card statement this page shows a warning instead of a green check, and says plainly that the direction of the amounts was worked out from the layout rather than confirmed.

Which way the signs point

Charges should come out negative and payments or refunds positive. Cards vary in how they print this: some use a trailing minus, some use CR after credits, some rely on which column the number sits in. The page reads those conventions, but where it had to infer rather than confirm, it says so. If the signs came out backwards for your card, the settings panel has a single checkbox that flips every amount at once and redraws the table.

A quick way to sanity check the result

Add up the amount column in your spreadsheet and compare it against the totals your card printed - new charges, payments and credits. If your sum matches, the conversion caught everything. If it is off by a round amount, one row was probably read with the wrong sign; if it is off by an odd amount, a row was missed. That check takes ten seconds and replaces the balance chain the statement did not give us.

Are annual fees, interest and foreign exchange charges included?

Yes, if the statement lists them as line items in the transaction table, which most do. What does not become a row is anything printed only in the summary box - your credit limit, the minimum payment, the payment due date. Those are properties of the account rather than transactions, and inventing rows for them would corrupt the total.

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