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I am torn on this issue. I would love to say that I use al electronic statements--paper does seem like such a waste. However, I still get paper from most ccc unless they have offered some incentive not to. While I check my email regularly, it is also easier for emails to get lost or buried under a pile of other email. Paper statements sit at home in a stack that I look at regularly. Normally I pay the bill as soon as the paper statement comes in the mail (if it has not already been paid prior to the statement cutting). I would probably feel differently if the ccc emailed the statement--not an email notification that a statement is available.
I got burned once with e-statements. It was a citi card that I never used. I noticed a missed payment on my credit report. I called Citi and they said my AF had charged 2 months prior and I was late. I explained that I never got a bill--they claimed I signed up for e statements and that I should have received an email. Citi was very good about it. I explained that I do not pay annual fees, did not get any emailed statements, and did not recall signing up for estatements. They removed the annual fee, late penalties, and removed the late and in fact the whole tradeline form my reports. Now I am a bit hesitant to sign up for e-statements.
@Uborrow-Upay wrote:Which do you prefer, paper statements or e-statements?
"The "save a tree" stuff is BS, ....."
Comments? Questions? Concerns? Ham sandwich?
I await your responses...
Carry on...
Make mine paper..... and I'll have some cheese on that Ham sandwich if'n ya don't mind.....
D-R
@Desert-Rat wrote:
@Uborrow-Upay wrote:Which do you prefer, paper statements or e-statements?
"The "save a tree" stuff is BS, ....."
Comments? Questions? Concerns? Ham sandwich?
I await your responses...
Carry on...
Make mine paper..... and I'll have some cheese on that Ham sandwich if'n ya don't mind.....
D-R
American? Swiss? Cheddar? Provolone? (Paper-thin, of course!)
Paper statements...I note on each the date paid, $$ how much pd, any conf # assigned...then it goes in the envelope for that "bill" and I have an oblong basket filled with an envelope for each bill...for that year. I keep all stubs for everything & have for years. I also keep a notebook & each full open section I have the month, each bill name, balance, post (to CR) date, $ how much I paid, date pd & new balance. I also pay all my billsfrom my checking/debit acct. My payment activity is covered in 4 different places!
Would that be considered O-C????
Oh yeah.....and for lunch...
Brown Sugar baked Ham...
Jalapeno Cheese...
Grilled on Rye...
Arby's Horsey sauce!
@BungalowMo wrote:Paper statements...I note on each the date paid, $$ how much pd, any conf # assigned...then it goes in the envelope for that "bill" and I have an oblong basket filled with an envelope for each bill...for that year. I keep all stubs for everything & have for years. I also keep a notebook & each full open section I have the month, each bill name, balance, post (to CR) date, $ how much I paid, date pd & new balance. I also pay all my billsfrom my checking/debit acct. My payment activity is covered in 4 different places!
Would that be considered O-C????
Oh yeah.....and for lunch...
Brown Sugar baked Ham...
Jalapeno Cheese...
Grilled on Rye...
Arby's Horsey sauce!
Message Edited by BungalowMo on 08-11-2009 08:22 AM
I love Arby's Horsey-Sauce. Always have a few extra packets for the fridge...my family just doesn't get it. We're going to have to try the BM sandwich for lunch - sounds divine.
Mostly paper. I keep trying out paperless and quickly revert. But I manage my accounts obsessively online.
Paperless all the way. I HATE shredding. I have tons of old statements from years ago that I have yet to shred.
I check my accounts religiously so I really do not need to see my statements. I don't want to build of paper that I have to shred down the line.
I'm another one who prefers paperless statements. I check my accounts online at least 3x a week, so I know what to expect. Once an "e-statement" is available, I put a note in my calender on my BlackBerry of the date to pay.
It's weird...my stomach gets all knotted up when I see the paper statements in the mail, but when I check the paperless statement on the computer, I'm much calmer.
That, and I can never misplace a computer statement, whereas paper statements can constantly get lost or thrown out.
The only statement I really care about is my year-end summary.
Mostly paper. I keep trying out paperless and quickly revert. But I manage my accounts obsessively online.
I do mostly paper as well. I note when payment was made, online or check # and how much. I also note when I receive CLI's and how much. I also check my accounts daily.
@armymom wrote:I do mostly paper as well. I note when payment was made, online or check # and how much. I also note when I receive CLI's and how much. I also check my accounts daily.
A CBR obtained directly from EX contains detailed historical CL information for each account.