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This is how you read your credit card bill
Credit card bill front side
1. Minimum payment
The minimum payment is calculated as a percentage of the outstanding balance on the billing date. When you receive the bill, you can decide whether to pay the agreed minimum payment, the entire outstanding balance or anything in between. If you pay less than the entire outstanding balance, then interest and an account service charge will be calculated on the remaining part after the due date.
2. Credit interest rate
The credit interest rate equals the annual interest rate. If you repay the outstanding balance in instalments, you’ll pay interest on the remaining amount in the next bill. In OP’s credit cards, the annual interest rate is a 3-month Euribor + 8.950%.
Tip! You can easily raise your credit limit, change the minimum payment or due date on the op.fi service. See the instructions: www.op.fi/credit-card-bill
3. Billing period
A billing period shows the period over which transactions are billed with this bill. If you want the transactions of one calendar month in a single bill, you should select the 23rd day of the month as the due date.
4. Outstanding balance in previous bill
This shows the total outstanding balance for the previous billing period which in the example ended on 9 September 2022.
5. Payment
The payment shows when and how much you have repaid the outstanding balance. The interest is always charged afterwards. After the interest-bearing debt has been paid off, the interest up to the payment date will be charged in the next bill. If only interest is charged in the bill, there will be no account service charge.
6. Total transactions for billing period
This row shows the total amount of transactions visible on the bill’s reverse side.
7. Account service charge
This will be charged in months when you have not paid off the entire outstanding balance in the previous bill.
8. Paper bill surcharge
This will be charged if you are not a user of an e-invoice. You can start using a free-of-charge e-invoice on the op.fi service or OP-mobile.
9. Interest
Here you can see the euro interest amount calculated on the outstanding balance. If you have previously repaid the outstanding balance in instalments and then paid off the outstanding balance, you can here see the interest amount accrued between bill’s date and the bill payment date. If the bill includes only interest, no account service charge will be charged.
10. Total outstanding balance
This is the most essential row showing how much debt has accrued at the end of the billing period. This includes all transactions for the billing period, any amounts with interest and account service charges accrued during the previous billing periods as well as a paper bill surcharge, if any. If you pay off this amount, the next bill will not include interest or an account service charge. However, if you have previously repaid the credit in instalments, interest and the account service charge will become payable in the next bill.
11. Minimum payment
Here you can see the minimum euro amount you must pay from the outstanding balance. Note that the minimum payment is always at least €30, except if the outstanding balance is lower than that. Make sure than the amount under the Minimum payment will be paid on the due date at the latest. You can also pay more than the minimum amount or the entire outstanding balance.
Overdue payments
If you see this row in your bill, some amount under the Minimum payment in the previous bill has remained unpaid. You must pay your minimum payment and these unpaid amounts, their interest and the account service fee.
12. Payee's account number
OP’s account number remains the same in every bill. All our customers pay their bills to this same account and the account is the same for all cards.
13. Payee
The payee remains unchanged in every bill. OP Retail Customers plc issues and manages OP’s payment and credit cards. OP Retail Customers plc operated under the name of OP Card Company Plc until 1 June 2020.
14. Reference number
The reference number is card-specific, in other words, it remains the same in every bill. If your expiring, broken or lost card is renewed, the payment details will remain unchanged. If you have OP-mobile, you can also pay the bill by copying the virtual barcode shown in the bill.
Tip! The payee, the payee’s account number and reference number remain unchanged in every bill.
Reverse side of the credit card bill
15. Itemisation of transactions
The itemisation of transactions lists purchases made using the card’s credit side during the billing period. If, for example, you have bought a bus ticket just at the end of the previous billing period, the payment may have been entered for this billing period and is therefore shown in this bill. Similarly, a purchase you make at the end of this billing period can be entered only for the next billing period and therefore become payable in the next bill. Date means the date of purchase.
Transaction you do not recognise
The name of the store where you made a purchase with your card is often different from the name shown in the itemisation of transactions. Check the paid amounts and dates. If, however, your bill has card transactions or transfers from the credit facility that you do not recognise, contact us via chat or call OP Customer Service to sort out the matter. In case of urgency outside the opening ours, contact OP Deactivation Service.
18. Refund
A refund shown in the itemisation of transactions means that the store has refunded you the amount of the product you have returned, for example. In that case, the euro amount has a minus sign.
16. Transactions, credit number
Charges and fees related to the credit facility are shown in this section. If this section is shown in your bill, you may have, for example, transferred credit to your account or withdrawn cash from credit during the billing period. For example, a credit transfer fee means a charge for one transfer. The credit transfer fee is € 2 + 2.75% of the transferred amount.
17. All transactions, total
Here you can see the sum total of all transactions during the billing period, in other words, the itemisation of transactions and the combined transactions from credit. This sum was shown on the front side of the bill under Total transactions for billing period.
