subject: Credit Card Statements: Paper Versus Online Versions [print this page] Credit Card Statements: Paper Versus Online Versions
Credit card providers are all about giving their cardholders options. This includes options not just in the kind of credit cards you can get, but even in the seemingly insignificant benefits such as the kind of credit card statement you can get. Nowadays, you have the choice of getting your statements in paper or to just view them online.
The choice between paper statements and online statements may seem trivial, but given the choice why not make the wise decision and choose the option which will fit your needs?
Choosing between paper statements and online statements is a matter of personal preference. However, since people are creatures of habit, you might end up preferring paper statements over online statements without realising the benefits of the latter, simply because you have grown used to paper statements. Of course, being used and comfortable with something is as good as any argument when it comes to preference, knowing the advantages that the other option brings though may prove to have other arguments that would trump the "used to" argument.
As mentioned above, one of the things that people like most about paper credit card statements is that they are used to them. Aside from that though, another reason why people like their statements in paper is that it gives them a hard copy which they can file away for easy reference. Having this copy allows you to easily review your statements anytime and have ready proof in case of any disputes.
On the other hand, this is also true for online credit card statements. In fact, when it comes to accessibility, online statements trump paper statements since you can access them anywhere via the Internet. With paper statements, you have to keep them in your purse or go to the place where you have filed it away. You can actually access your old statements online using your credit card online services and review each statement at leisure. When it comes to having a hard copy of the statement, you can also just print out a copy of the statement in case you need it.
When it comes to how fast the statement gets to you, online statements have the advantage over paper statements. This is because you can view your statement online as soon as it is generated, while you have to wait for the paper statement to be posted before you can get your hands on it. Obviously, another advantage of online statements is that it also can't get lost in the post.
Last but not the least, if you are concerned about helping the environment, a major argument for online statements is the amount of paper you help conserve each year. By choosing to do without paper, you can help save trees while still being able to keep track of your credit card balance and due date.
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