Last updated: 17 August 2026
What is a Billing Cycle?
Do statements ke beech ka period (28-31 din). Transactions that post within this cycle appear on this statement. The statement shows "Statement Period: [start] to [end]".
Transaction Date vs Posting Date — transaction date is when you spent; posting date is when the bank added it to your account (1–3 days later). Jo posting date is cycle me hai, wo isi bill me aayegi.
Use the Cycle to Your Advantage
Closing date ke turant baad badi purchase do — wo agle cycle me jayegi, matlab 45+ din ka free credit (grace period). Track the statement in Excel and build your purchase calendar.
Convert your statement — free!
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Frequently Asked Questions
Q: How long is a credit card billing cycle?
A: 28-31 din, bank ke hisaab se. You get 12 statements a year.
Q: What happens at the end of billing cycle?
A: The statement is generated — balance, due date and minimum payment are all printed on it.
⚠️ Important Note: Credit card rates, fees and rules vary by bank and card (and change over time). This guide is general information — confirm details with your bank's official statement, fee schedule or customer care. Our tool only helps extract your statement data into Excel — it does not provide financial advice. Poora disclaimer read.