R23 / Reports and Excel

Read credit-card bill trends

Learn how to read credit-card bill trends on Pennie's Reports page.

Find it: Bottom tabs > Reports

Video walkthrough

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Page-reference preview

Worked examples use sample data, not your account. Reference screenshots show the current app controls in a Windows preview; their example amounts may differ from this lesson. Android system prompts vary by device.

Step 1

Choose a card-only search

  1. Choose a card-only search
  2. Confirmed statements win their month
  3. No data and card credit are distinct

Choose Debt and apply the Reviewed Visa category search.

Card-only matching changes the period chart's meaning.

Daily ordinary-loan interest is hidden for this card-only view.

Step 2

Read confirmed bill precedence

  1. Read confirmed bill precedence
  2. Confirmed statements win their month
  3. No data and card credit are distinct

The actual statement service confirmed an August balance of five hundred thirty-five rupees.

That confirmed statement wins its month.

The statement is not a new purchase or payment.

Step 3

Read later tracked balance and missing history

  1. Read later tracked balance and missing history
  2. Confirmed statements win their month
  3. No data and card credit are distinct

September's tracked closing outstanding is five hundred eighty-five rupees.

Earlier unavailable months remain No data, not zero.

A missing bill does not prove the card is paid off.

Step 4

Understand monthly card credit

  1. Understand monthly card credit
  2. Confirmed statements win their month
  3. No data and card credit are distinct

Activity card has carry-forward off and shows only monthly net activity.

Its negative four hundred rupees means card credit in this presentation.

Zero monthly activity would not settle an older unpaid debt.

Related page references

Screenshot

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