What’s different about credit card statements
- Two dates: transaction date and posting date. We keep the transaction date.
- No running balance: card statements rarely print a balance per row, so double-check totals against the statement summary.
- Year rollover: a statement from Dec 15 to Jan 14 shows dates like “12/28” and “01/03”. We assign the right year to each using the statement period.
- Signs: purchases become negative (money out), payments and refunds positive. Switch Type to “Bank account” if you prefer the issuer’s original signs.
Common uses
Expense reports, splitting shared costs, finding forgotten subscriptions, importing card spending into QuickBooks/Xero (OFX export uses the credit-card account type), and tax-time categorisation.