The unbilled amount is the total credit transactions that are made after the last credit card statement is generated. A credit card statement refers to the credit card bill, which shows your outstanding amount that you would have to pay by your due date. This unbilled credit card amount is carried on to your next credit card statement as the amount due.

If your credit card statement is generated on the 4th of every month, your credit card statement will include transactions made between the 5th of last month to 4th of the current month. So if you make a transaction of say Rs. 1,000 on the day your credit card statement arrives, this will be the unbilled amount since the amount is spent after the bill is generated. The unbilled credit also includes cashback, reversals and any other payments received by the card. You can also pay your unbilled amount in advance to avoid chances of payment delays and interest rates going up. If you delay your payments, you might end up defaulting and this will affect your credit health report. Hence, this will reduce your credit score.

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Additional Reading: What is Minimum Amount Due on Credit Card