Paperless Online Credit Card
Enjoy the benefits of paperless online credit card statements with the St.George Vertigo Visa which features free application to eStatements. The St.George Vertigo Visa offers a low interest rate on balance transfers and purchases with a low annual fee.
- $55 p.a. annual fee
- 1% p.a. for 12 months (reverts to 13.24% p.a.) on purchases
- 0% p.a. for 18 months on balance transfers
- Cash Advance Rate of 21.49% p.a.
- Up to 55 days interest free
Paper Tigers with Paper-Thin Arguments
“I want something I can hold in my hands.”
“The computer’s so wonky, the screen’s so glaring.”
“When I put a bill in the mail I know it’s paid.”
“I have all my papers for tax time.”
“I’m too old to change.”
Anybody interested in efficiency, saving money, or going green, has heard these paper-thin arguments. These arguments are made by paper tigers and for the most part are flimsy. With very few exceptions (more on those later), there really is no need to rely on paper for so many things – especially not credit card statements.
Master Your MasterCard, View Your Visa, Protect Your Credit Rating
Monthly statements aside, just having access to your credit card accounts on line can be a real credit-rating saver. Keeping receipts and doing maths in your head as you approach your credit limit can be a real stress-maker.
Contact your credit card issuer and you’ll find that gaining access to your account online is about as complicated as a sign-on, answering a few questions, and setting up a user I.D. and password.
Later, after a splurge, you can fire up the computer and check your damages, probably within hours, minutes, after the charges have been levied. Your finger is on the pulse of your account. You can figure where you are with your credit spending twenty-four-seven, from anywhere in the world.
Electronic Paper Is Paper Without the Mess
In spite of having an access to your account online, you can still receive a paper bill in your letter box. So many reasons exist to forgo that. Why continue to be a paperboy or papergirl? Let’s put some answers to the comments made above.
- Paper Money in Your PocketSome credit card issuers – other entities, too, such as utility companies – are now charging a fee for their paper bills and the postage they use. You’ll see it on your paper bill, but you won’t see it on your electronic bill. How much do you pay a year for paper checks and bank checking services? What about postage costs? Those pennies add up.
- Paper-Thin SecurityLetterboxes are pretty sacred in our communities and our culture. But that doesn’t make them secure. One purloined credit card bill is a first step toward having your identity stolen. That goes for sent bills, too. Perhaps worse, then the thief has your checking account number and your credit card account number. Online payments are far more secure.
- Paper Envelopes and Gummy StampsEnvelopes get lost – envelopes to you, envelopes to the credit card company. Just about everyone has been in a “But I sent the payment four days ago by mail!” or a “I never got the bill!” situation with a creditor. Not pleasant. And never peel a gummy or lick a stamp again.
- Paper Mills and Paper SmellsCome on, Earthling! Don’t you care about your planet? Sure, it’s only one envelope and five or six pages of statement paper for you each month. But your credit card issuer has at least 1,000 customers, probably lots more. That’s a lot of paper. Have you been near a paper mill? It smells awful. Where does all that odour go? Have you seen the sludge that pours out of paper mills. Where does all that stuff go? You know the answers. Never mind about the trees ground into pulp. Going electronic is going green.
- Paper Files Become Legal Electronic ArchivesExcel, Microsoft Money, MYOB, Quicken, and lots of other financial software can pull your electronic credit card data into manageable archives. You won’t have to enter any numbers. If you’re a businessman or businesswoman, you can manipulate that data for spending trends, taxable income, or in any number of analytical ways. Most all electronic documents you receive from credit card companies are legally recognised.
- Paperless Bill PayingPaying a bill can be done in a few steps. A notice arrives in your email. It has a link to pay your bill. Punch the link. You’re almost instantly at the payment site. You see the amount that is due. You can alter that amount up or down as you choose, if you so choose. Once that’s set, punch the “Agree” or “Make Payment” button. You’ll have already registered your checking account. Pow! The payment is made, a debit is put on your checking account, and you get a legal email receipt instantly. For the sake of going green, what could be easier?
Okay, Paper Has Its Uses, But …
If you’re the palpable type and must have something in your hands, or have to sit down with a stack of paper on bill-paying day, choose paper. If you’re an old timer and just can’t get into the new-fangled technology or your eyes are just no good for a computer screen, go for paper. But for ease of payment and the facility of being able to monitor your credit card account at any time – go paperless, go electronic, go green.