# How do I convert a credit card statement with two date columns, or separate debit and credit columns, to CSV?

Use the free Bills AI converter on the text-based PDF. It takes column positions from the heading row, so an empty Debit or Credit cell stays empty and both dates stay in their own columns. Values are copied as printed. We tested synthetic layouts like these, not named banks, so total the columns and compare them with the statement.

Last reviewed: 2026-11-13. Canonical page: https://billsai.cc/solutions/credit-card-statement-two-dates-or-debit-credit-columns-to-csv

## Steps

1. Download the statement as a PDF with selectable text from your card issuer or bank.
2. Convert it with the free converter and download the CSV.
3. With two dates (transaction date and posting date), confirm that both appear, each in its own column, so you can sort by either.
4. With separate Debit and Credit columns, confirm that each row fills only one of them and that deposits sit under Credit, not Debit.
5. With one signed Amount column, confirm that payments and credits keep the sign the statement printed.
6. Add up purchases minus payments (or the Debit and Credit columns) and compare the result with the balance or totals printed on the statement.

## When this will not work

- Fees and interest are not separated from purchases: every printed row becomes a row in the CSV.
- If the column headings use none of the usual words, the converter falls back to reading order and a credit can land in the debit position. It warns when that happens.
- Scanned statements are not supported, because there is no OCR.
- The test statements were synthetic. A real statement can differ in ways we did not simulate.

## Frequently asked questions

### Are both the transaction date and the posting date kept?

Yes. Both dates are kept, each in its own column, exactly as printed, so you can sort by either.

### Why is a deposit sometimes shown as a withdrawal by other converters?

A row with separate Debit and Credit columns fills only one of them. A converter that keeps only the non-empty cells shifts values left. This converter takes column positions from the heading row to avoid that.

### Does it work with my card issuer?

We have not tested any named bank or issuer, only synthetic layouts. Check the result against your original statement.

## Related

- [Layout: credit card with transaction and posting date](https://billsai.cc/tools/pdf-to-csv/layouts/credit-card-statement)
- [Layout: separate Debit and Credit columns](https://billsai.cc/tools/pdf-to-csv/layouts/debit-credit-columns)
- [Layout: one signed Amount column](https://billsai.cc/tools/pdf-to-csv/layouts/signed-amount-column)
- [Free bank statement PDF to CSV converter](https://billsai.cc/tools/pdf-to-csv)
- [Converter test results, including the layouts that fail](https://billsai.cc/tools/pdf-to-csv/accuracy)

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