A credit card statement cannot be checked row by row. Here is what can be

A current account statement usually prints a balance on every line, and that column is what makes a conversion checkable: each row can be re-derived from the balance before it. Credit card statements are built differently. They print a previous balance, a list of charges and payments, and a new balance at the end — and nothing in between.

That difference decides what can honestly be said about a card statement here, and it is not a matter of how good the extraction is. There is simply nothing on the page to check a single row against.

What you will see on the results screen

Rows from a card statement come back marked with a dash, not a tick. The wording is deliberate: the statement prints no running balance, so rows cannot be checked individually. They are not being called wrong, and they are not being called verified either.

What still gets checked

• The total. Everything read as money in and money out is added to the opening figure and compared with the closing figure the statement prints. If those two disagree, something was read wrongly or missed, and you are told.
• The dates, against the statement period printed on the document.
• Rows that print a balance when only some do — part-checked is still better than unchecked, and the results say how many of the rows carried a balance.

What the total check cannot catch is two errors that cancel each other out: a charge read twenty too high and another twenty too low still sums correctly. On a statement with a running balance the row-by-row check catches exactly that, which is why it is the one that matters and why its absence is worth stating plainly.

What to check by hand, and it is less than you think

1. The closing figure in the export against the new balance printed on the statement. If the tool has already reconciled the total, this is confirmation rather than work.
2. The largest few charges, which are both the most consequential and the easiest to eyeball.
3. Anything that crosses a page break, where a wrapped description can carry figures onto the next page.
4. Foreign currency lines, where the statement often prints the original amount underneath the charged one. Only the charged amount belongs in your ledger.

A note on what this means for your books

For most bookkeeping purposes an unchecked card statement that sums correctly is fine — the reconciliation happens later against the payment that clears the card. The risk worth knowing about is a missing transaction rather than a wrong one: a charge that was never read leaves the total wrong, and the total check will catch that. A charge read at the wrong amount, on its own, will not be caught by anything the page provides.

If a row on a statement that does have a balance comes back flagged, finding the row that is wrong explains what the message means and what to do with it.