Any On-Line only CC's out there (other than Egg and Cahoot)?

DFunds

Hi there, first time poster here

I'm looking for a CC company that doesn't send any paper statements\correspondance. I currently have an Egg card which I'm looking to trasnfer the balance of approx 3K from to another online only CC.

Main reason for doing this is that I want to clear this debt without my other half knowing that I have it. Underhand I know, but I'm trying to get my finances in order and don't want to burden her with the worry etc (very long story, which I dont want to go into). Up to now I've been slowly clearing them off, but the Cahoot debt was trasnferred to the Egg when the 0% was up and I'm soon going to be paying interest on the Egg Card, which I obviously dont want to do. Currently on course to be debt free in about 15 month (which is under my target) but if the interest starts to take effect that will seriously hamper my ability to get debt free.

I really dont want to have to 'come clean' on this debt, as I've done that once before and while I had fell off the wagon after coming clean, that episode of my life is firmly behind me and I've been steadily clearing the debt for the last couple of years. I dont want to ruin the progress I've made over the last couple of years

izools

You can use Barclaycard & Capital One exclusively on line. I registered on line and selected on line only as soon as I got my Barclaycard and never had a paper statement. Same goes for the ex's Capital One card

... Smile are another ...

DFunds

ooh - they've changed since I last used those companies (which was admittedly over 10 years ago).

thanks

lisyloo

Amex can be done entirely on-line.

Probably most CC's these days although you may have to tick a box to say whether you want paper statements.
Personally I go paperless as you don't have to worry about paper security (although there is of course the on-line security).

CannyJock

DFunds wrote: »

Main reason for doing this is that I want to clear this debt without my other half knowing that I have it. Underhand I know, but I'm trying to get my finances in order and don't want to burden her with the worry

I completely agree that saving the little lady any worry is the right thing to do. Just go ahead furtively going online in the wee hours of the morning and turning off the monitor whenever she gets near. Be sure to practice your "Nothing!" face for when she asks you what you're doing ..... she won't suspect a thing

DFunds

CannyJock wrote: »

I completely agree that saving the little lady any worry is the right thing to do. Just go ahead furtively going online in the wee hours of the morning and turning off the monitor whenever she gets near. Be sure to practice your "Nothing!" face for when she asks you what you're doing ..... she won't suspect a thing

Dont worry, I have more than enough ways of accessing the internet while the wife's at home and I'm at work .

We cleared my stupid student early work years debts together, and while it was a cleansing experience, it wasn't pleasant. I'm not happy that I didn't learn my lesson that first time, but I damn sure have this second time !

I am not perfect in anyway, and just wish that I'd been able to save the money that I've repaid over the last 3 years instead of pay of stupid debts. The knoweldge that in just over a years time I will have cleared this debt (and by then will have been extremely sensible from a monetary perspective for almost 5 years) is something that I take strength from.

I'm certainly not proud of having cocked up twice that's for sure

Mrs_Ryan

I use my Capital One card as an online card - I have e-statements and pay by Direct Debit - so dont receive anything from them.

ElkyElky

DFunds wrote: »

Dont worry, I have more than enough ways of accessing the internet while the wife's at home and I'm at work .

We cleared my stupid student early work years debts together, and while it was a cleansing experience, it wasn't pleasant. I'm not happy that I didn't learn my lesson that first time, but I damn sure have this second time !

I am not perfect in anyway, and just wish that I'd been able to save the money that I've repaid over the last 3 years instead of pay of stupid debts. The knoweldge that in just over a years time I will have cleared this debt (and by then will have been extremely sensible from a monetary perspective for almost 5 years) is something that I take strength from.

I'm certainly not proud of having cocked up twice that's for sure

No one is perfect. The world would be a hugely boring place if everyone and everything was perfect.

In addition to repaying your debts, it is equally important you focus on preventing this from happening for the 3rd time.

realaledrinker

Halifax are another where you can elect for paper free statements