You must take action before the date listed on the PDF copy of the billing statement. If you owe a balance, payment must be made and charges must be accepted if paying online. If you are paying by ...

This means that, unlike a statement balance, it will change depending on your spending. For example, let's say you spent $500 during a billing cycle, and another $50 after your cycle ends.

For example, if your card company increases ... Under the Fair Credit Billing Act, you have 60 days after the date the billing statement was sent to you to dispute an erroneous charge.