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How To Track Your Credit Card Expenses?


Credit cards can be a boon and a bane as well. One of the biggest disadvantages of these cards is that they may lead to uncontrolled spending. This can lead to mounting bad debts, which may eventually create financial stress.


How To Track Your Credit Card Expenses?
One of the best things to do would be to track your credit card expenses. There are many ways in which you can track these expenses. Some of the best ways would be through the following means:

1) Expenses tracking applications

For those using the mobile phone with an internet, the ideal way would be to download apps that help you to track expenses. There are specific apps that keep a track on your credit card spending. These include Billguard, Credit Card Expense Manager, Expensify for Ipad, Checkbook Pro etc.

Most of these are easy to use and would come in handy to check your credit card expenses.

2) Login Online

The other way to check expenses on your credit card would be to login online. All of the credit card issuing banks and institutions provide you with a login ID. You can also create one by logging into the requisite site of these banks.

Here you can view your credit card statement, including the unbilled amounts. By logging in, you can also pay your credit card outstandings.

3) In case you are not net savvy

There are many folks, who are not internet savvy and would still prefer maintaining an expense book. In this case, you can keep track of the expenses by writing the records each month in a book. All of the banks, send an SMS as soon as a transaction is complete. You can view the history of the transactions and make a note of the same.


It is extremely important to maintain a record of all expenses incurred on the credit card. This would help you to compare with the previous months and eliminate expenses that have increased over a period of time. For example, at some stage, if you feel that expenses on telephone bills are mounting, by comparing the credit card bills, you might want to reduce the same.


Remember, if you are having a credit card, it is very important to maintain a record of all expenditures, especially if the Credit Card bills are high. If you are net savvy, remember to use some of the best expenses apps that are available. This would eliminate the need to put sticky notes around the kitchen, particularly on the refrigerator.

Most of these apps are not necessarily to track credit cards, but also for tracking other expenses.

Read more about: credit card
Story first published: Monday, November 16, 2015, 10:51 [IST]
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