Paper and checks is so... 20th century!

I've been fully electronic on my Discover card (only card I've had for a very long time other than my ATM/Mastercard that draws from my checking account) for several years. I don't even get a paper statement any more. They send me an email when my statement is available. They send me an email when my payment is close to being due. I can make a payment at any time by going out to their website and transferring funds from my checking account.

If you have reliable email, this is the way to go. No lost statements, no lost checks in the mail.

The other way to go is to never carry a balance on your credit card. Always pay it off in full at the end of the month. If you need to buy something that you can't pay for in a month, either save up or get a real loan (car loans and home equity loans are great for this kind of stuff) with a fixed interest rate and a fixed term. Credit card debt is bad! It's too easy to get into and too hard to get out of.

(another PSA from BeenThereDoneThat, inc)

(and I think this is my first post in La Casa... um... Hi)