Do you keep your new credit card paperwork?

[Anonymous]

Wondering if there’s any benefit in keeping the paperwork from my new credit cards or if it’s fine to just toss them. Trying to be more minimalist in general. I’m guessing the same information can be found on your online account or sent to you if you request it. 

So so do you keep your paperwork or toss? Has there ever been a situation where you needed the papers in hand for something? I appreciate any input!

[Zolomon]

I shred everything out of habit. Terms and conditions of your account are always online.

[Anonymous]

I scan into my filesystem on my computer and then shred. Never needed one but you never know when it could come in handy if there is a problem.

[NRB525]

I keep all the paperwork, disclosures. Toss if it is superseded, keep the new.

It is easier to look through the paper rather than flounder around online wondering which menu tree the kid programming hid it in. Makes perfect sense to the kid, but I can’t find it.

There are often nuances to YOUR card, such as variations on Visa Sig benefits to be aware of. I found my CapOne QS ( pc from Platinum ) had good travel insurance and seemed decent rental car. That may change, but the paperwork gives you a baseline of what you agreed to.

[CreditInspired]

Good question.

I actually never thought about it although they are kept in my fireproof lockbox.

I don’t know why I saved them. I guess just out of habit.

Hmmm

[UpperNwGuy]

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@NRB525 wrote:
I keep all the paperwork, disclosures. Toss if it is superseded, keep the new.

It is easier to look through the paper rather than flounder around online wondering which menu tree the kid programming hid it in. Makes perfect sense to the kid, but I can’t find it.

There are often nuances to YOUR card, such as variations on Visa Sig benefits to be aware of. I found my CapOne QS ( pc from Platinum ) had good travel insurance and seemed decent rental car. That may change, but the paperwork gives you a baseline of what you agreed to.

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This is what I do.  Not sure why I bother.  I never look at the paperwork once it is filed.  I always go online.

[AverageJoesCredit]

Keep

[EAJuggalo]

I have it all in the file cabinet.  I also print out a screenshot of any SUB's that are applicable.  I have heard here of lenders not having a record of the SUB offered at the time.

NRB, if you have the CSP, doesn't the car rental insurance on that blow the Visa Sig coverage out of the water?  It's one of the few reasons I'm keeping my CSP for another year.

[longtimelurker]

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@Anonymous wrote:

Wondering if there’s any benefit in keeping the paperwork from my new credit cards or if it’s fine to just toss them. Trying to be more minimalist in general. I’m guessing the same information can be found on your online account or sent to you if you request it. 

So so do you keep your paperwork or toss? Has there ever been a situation where you needed the papers in hand for something? I appreciate any input!

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I guess it just depends on your cost/benefit analysis.   As far as I remember, I have never had to go back and look, so I eventually just toss after a few months.  For those for whom scanning/keeping paper seems low cost, I guess why not.   But for some of the heavy credit cards acquirers here, that ends up being a lot of paperwork!

[redpat]

Toss them like a salad.