Many credit cards give you the option of online account management, often for free. Using secure internet servers, these tools allow you to check your account status at any time. Some will send billing statements and notifications to your email, reducing paperwork and saving you time. Here’s an overview of online credit card account management features.

• Account summaries. You can get the most important information about your account instantly, including account balance, payment due dates, and available credit.
• Online statements. View your entire credit card statement at any time. Many sites allow you to view several months’ worth of statements for comparison or reference. Online statements can be used in place of or in addition to traditional paper statements.
• Track recent activity. With online account services, you don’t have to wait for a statement to arrive to see recent account activity. This tool can be especially useful if you suspect an unauthorized person may have used your credit card illegally.
• Make payments online. Some card companies allow you to pay monthly bills automatically using your credit card. Alternately, some companies allow you to make payments to your credit card account electronically, using direct deposit from your savings or checking account.
• Account services. You can often make balance transfers online, or make requests for a lower APR or extended credit limit.
• Customer service. Rather than calling your card company and waiting on hold for what seems like hours, you can often ask a question online and have it answered within moments.

With online credit card account management, you can cut the time and effort it takes to keep up-to-date on your credit information. Find out what tools your card offers, and learn how to use them to your best advantage.