Plus Minus Credit Card Bill Online

When you sign up for paperless credit card bills, you will not get a credit card monthly statement in the form of letters. Instead, your bill will be available online, often delivered in the form of a PDF file that can be downloaded, saved, and printed. Credit card issuers will send you an email each month when your bill is ready. For your convenience, credit card issuers will also include information and the minimum payment due date. If you think going to change the paper bill with a credit card bill online, consider the pluses and minuses before you make changes.

Plus: Preserving Trees
Paperless bill good for the environment. According to the Indonesian Pulp and Paper Association, the average paper consumption is 55 kg per paper Indonesian workforce, equivalent to 0.6 to 0.9 trees per person per year, meaning that every year about 65-97 million trees are cut to meet demand paper. If the credit card issuer sends fewer bills with paper, will be slightly reduced demand for paper, which means that air pollution will be slightly reduced from the production of paper. Some credit card issuers even promised to contribute to the preservation of the tree when you enroll in online billing program.

Minus: Easily Lost Time Payments
One drawback to the use of online bill is easier to forget to make a payment when you do not have a physical bill as a reminder. If you need a reminder, you can print the bill from the internet and put in where you would normally place the bill. This way they save paper because you negate an envelope to insert a bill into it.

You can also bypass the maturity date if the email from the credit card issuer caught by the spam filter and never got in the box inbox. Make sure you add email addresses to your credit card issuer in the "safe list" to prevent quarantined email automatically by the spam filter.

Plus: Decrease Letter and Paper in Your Home
If you download the credit card bill, you can save it on your computer or an external drive that can be accessed at any time when needed.

Minus: More Password To Be Remembered
When you apply for a credit card bill online, which means you will have yet another username and password to remember. Even if you try to use the username and password are the same for all sites, this is not a good idea.

Plus: Preventing Identity Theft

By using the online bill, can help prevent identity theft resulting from the credit card bills were stolen. Even hacking the email account you would not give the thief access to your credit card information because you need to log in to the website of credit card issuer (or the file bill) to view your billing information. Should the user name and password for online bill created different email accounts.

Minus: The existence of Knowing Too Late Credit Card Fraud and Change Credit Card Information

If you use automatic payments to pay credit card bills, you can easily forget to review the credit card billing statement each month, an important step to detect credit card fraud. You have 60 days to report an error in billing, beyond that the credit card issuer can force you to pay for the purchases you'll ever make.

There's another downside to paying credit card bills without reading you, do not be alert to changes in your minimum payment. If your minimum payment increases beyond a predetermined payment, you will be charged a late fee even if the payment is made on time. After 60 days, the interest rate will increase and the status of the late payment will affect your credit report.

Pay Bills Online Without Need Online
Even if you choose not to register for the service online credit card bill, you can pay your credit card online either through the bank, if they offer online bill payment service or directly to the credit card issuer through their website.

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