Credit Card for those who want to de-clutter

rajeshk4u

I have various credit cards, but I am in the market for a new one, which can help me better organised and de-clutter.

I am someone who ends up with a wallet full of credit card receipts. The plan is to check them, when I get the credit card statement. Except I get busy and don't have time. So they end being piled up. Over time they fade.

Some receipts I need to keep in case, of a guarantee or burglary as proof of purchase....

I also get paper credit card statements, however I wanted a credit card company to email me via PDF their statement. My current 'main' credit card, will only allow me to download statements up to one year. They don't keep anything older then that.

I also want a cash-back credit card. I always pay the balance in full at the end of the month.

molerat

Save the PDF statements, far easier than storing paper ones ! I use clips with the bank and card last 4 marked on them and store the receipts in a drawer until statement reconciliation time. You don't need another card you need to be better organised

18cc

Tandem cc (app only) gives you 0.5% cashback. You can view and download (if you wish) statements in the app.

Stuart_W

You could always try a Curve card.

Link all your existing cards to it and within the app you can add a photo of the receipt for any transaction. No need to keep the real paper one - as you say most fade, often within a few months now. So keeping them is not just untidy but also often pointless.

I would imagine all credit card providers offer PDF download from their apps/website. Just set up a Google drive/Dropbox/OneDrive type of account so you can easily download from the app into a folder within your chosen cloud space. That's more secure than standard unencrypted email.

As far as cashback goes I've got Aqua 0.5%, smile 0.25% and Co-op 0.33%. they're certainly not the best, but something is better than nothing.