How to handle the paperwork?

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8 posts
Rory
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Location: MA

How to handle the paperwork?

Postby Rory » Mon Aug 20, 2012 9:34 pm

Hey guys, i imagine that with all the credit cards each of us have that a significant amount of paperwork is acquired from all of the different companies. I was wondering how all of you collect and sort your paperwork and keep it organized and available.

I can bet alot of you have gone paperless and therefore have been keeping digital records of all of your statements and such, but is this a good method to apply to everything else you get from the CC companies?

Thanks guys just want to get my paperwork and such sorted and ready in a system that is suitable for many more cards down the road.
Amex Zync - NPSL (Cleared up to 25k)
Amex BCE - 12000 limit
Amex BCP - 4200 limit
FIA Rewards Amex- 3500 limit
Chase Freedom - 2000 limit
Chase Slate - 2000 Limit
BoA Cash Rewards Privileges- 3000 limit
Barclaycard Rewards MC - 3000 limit
Discover IT- 3500 limit
Marriott PR- 5000 limit
21 years old with alot of life to spend ;)
Its not about the ending, its about the journey,
just as long as the ending is just as good :cool:


432521
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Location: USA

Postby 432521 » Mon Aug 20, 2012 10:22 pm

I am a document hoarder, I keep everything that card companies send me in a filing folder
March 2011- Wellsfargo Cash Back College Card
May 2012- Chase Freedom
May 2012- Discover IT
August 2012- American Express Blue Cash Everyday

trumpet-205
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Postby trumpet-205 » Mon Aug 20, 2012 10:57 pm

I have gone paperless for two reasons: no paper clutter and no mail theft (which is pretty common where I live).
In My Wallet:
Citi Forward (12/2010) | Citi TY Preferred (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)

murakami
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Postby murakami » Mon Aug 20, 2012 11:36 pm

I am paperless as well. I check out the statements as they post and have never had any issues checking out older statements.

jeffysdad
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Postby jeffysdad » Tue Aug 21, 2012 6:27 am

Ditto Trumpet and Murakami. I used to hoard paper statements but got out of that habit years ago. I've never had a problem. I do print statement each month and check receipts against it.

As for receipts, I save them every month in a different pouch color-coded for each card. Throw them away at end of month after checking against statement, except those for products that might need warranty service, which I file with instruction manuals.

I used to pitch the member benefits and rules paperwork, but recently found myself in need of one of these and couldn't get it online. So now I keep them in a drawer with my checkbook and other money-related stuff.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.

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PlatinumAMEX94
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Postby PlatinumAMEX94 » Tue Aug 21, 2012 10:58 am

I am what you call "old skool" and I put them in a 3 ring binder. I used to staple the returned check to the statement.
American Express Platinum Personal, Member since 94
Chase United Explorer - Visa Signature
Chase Sapphire Preferred
American Express Business Simply Cash

American Express Costco Business, American Express Platinum Business
Bank of America 10k, Capital One Venture World MasterCard 7.5k, Fidelity Visa Signature 10k
Citibank ThankYou Premier World MasterCard - Card Member since 91, 25k
Discover 10k Member since 91, Wells Fargo Personal & Business Visa Signature
USAA World MasterCard 12k, Chase Slate Exclusives Visa 5k

Lifelock member, USAA credit monitoring, Security Freezes E/E/TU, 800+

cdogg
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Postby cdogg » Tue Aug 21, 2012 11:26 am

PlatinumAMEX94 wrote:I am what you call "old skool" and I put them in a 3 ring binder. I used to staple the returned check to the statement.


i have been doing paperless on all cc for years, however i check my cc transactions every other day to make sure that is no errors or fraud as well as my bank accounts. nowadays you will have to on top of everything since there are so many scams and fraud everywhere.
Current Cards: American Express:Blue Cash Everyday CL 33.6k member since 94
Bank Americard Power Cash Rewards Signature Visa CL 20k member since 10
Discover IT $9.5k member since 10
Chase freedom $10k, since 13
BB Store card $2600, since 02
Macys $2700, since 02
Gap/BR $800, since 02

trumpet-205
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Postby trumpet-205 » Tue Aug 21, 2012 2:09 pm

cdogg wrote:i have been doing paperless on all cc for years, however i check my cc transactions every other day to make sure that is no errors or fraud as well as my bank accounts. nowadays you will have to on top of everything since there are so many scams and fraud everywhere.


I agree, now days fraud is a serious problem.

I check my CC online everyday to see if there is any suspicious pending charge. This is also why I hate US Bank online interface: no pending charge information available and it takes one week to post a charge.
In My Wallet:
Citi Forward (12/2010) | Citi TY Preferred (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)



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