> ## Documentation Index
> Fetch the complete documentation index at: https://help.trykarat.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Export Karat Card statements and transactions

## Download Card statements

1. In the app, navigate to **Credit Card**
2. Select the **Statements** page from the left navigation
3. Locate the month you need
4. Under the **Download** column, click the desired report type

Available formats may vary depending on the report selected.

## Export Card transactions

1. Go to **Credit Card > Transactions**
2. Click **Export** to download all card transactions as CSV

## Transaction status definitions

Below are the statuses you may see in your transaction list and what each one means.

<AccordionGroup>
  <Accordion title="Capture">
    The transaction has been approved and fully processed. The charge has been finalized and is included in your current balance.
  </Accordion>

  <Accordion title="Pending">
    The transaction has been authorized and is still processing. For purchases, pending transactions typically clear within **2 to 3 business days**.

    For payments made toward your Karat balance, pending payments typically clear within **3 to 5 business days**. While a transaction is pending, the final amount may still change.
  </Accordion>

  <Accordion title="Reversed">
    The transaction was previously approved but has been reversed by the merchant.

    Reversals are initiated by the merchant, not Karat. If you have questions about a reversal, we recommend contacting the merchant directly.
  </Accordion>

  <Accordion title="Declined">
    The transaction was not approved. Common reasons include: Insufficient available spending limit, suspected fraud, incorrect verification details, and merchant processing errosrs. 

    If a payment toward your Karat account is declined, you will receive an email with additional details.
  </Accordion>

  <Accordion title="Refunded">
    The merchant issued a refund for a completed purchase. Refunds typically appear on your account within a few business days after the merchant processes them.

    If this status appears on a payment toward your Karat account, it may indicate that the payment could not be completed and the funds were returned to your bank account.
  </Accordion>

  <Accordion title="Processed">
    This status applies to payments made toward your Karat balance. It means the payment has fully cleared and your account balance has been updated.
  </Accordion>
</AccordionGroup>

On your Card dashboard page, you may see the following balance fields:

<AccordionGroup>
  <Accordion title="Balanced owed">
    The remaining balance from the previous month that has not yet been paid.
  </Accordion>

  <Accordion title="Current spend">
    The total amount spent during the current billing cycle.
  </Accordion>

  <Accordion title="Pending spend">
    The total amount of authorized transactions that have not yet cleared.
  </Accordion>

  <Accordion title="Spend limit">
    The approved spending limit for your account.
  </Accordion>
</AccordionGroup>

*<sub>Karat is a financial technology company, not a bank. Banking services provided by Grasshopper Bank, N.A., Member FDIC. The Karat Visa® Business Credit Card is issued by Cross River Bank, Member FDIC, and pursuant to a license from Visa️ USA.</sub>*