Get credit card statements by mail?

[Muse]

I've seen a lot of folks here declare an aversion for snail mail CC statements, checking statements, etc. but here I am doing my taxes and looking for a credit card charge from last year and my damn CC company (Chase Freedom) only has facts available online for the last 120 days. WTF

 

[Vic Vega]

...

 

[rcpratt]

For Chase Freedom, if you sign up for paperless statements, you get access to your last 6 years of statements.

Also, agree on it being easier to archive your PDF statements than pieces of paper.

 

[Jeffg010]

I'm willing to bet you can go back farther for a "fee". Banks are all about fees.

 

[Vic Vega]

...

 

[alkemyst]

For Chase Freedom, if you sign up for paperless statements, you get access to your last 6 years of statements.

Also, agree on it being easier to archive your PDF statements than pieces of paper.

Good luck with it once you terminate your account at most places. This is the problem with paperless.

It's even worst if you use it for paychecks. As soon as you are terminated or leave, you lose all access.

 

[kranky]

It's easier for me to read a paper statement, and I won't accidentally overlook an important enclosure. And I wish to avoid any potential commotion from the IRS by being able to produce original documentation if necessary.

 

[SlitheryDee]

You could always get it from the place that you made the purchase from.

 

[Red Squirrel]

I've been trying to go paperless as much as possible. In fact I rarely look at my CC statement, I can see transactions in the online banking (same idea as statement, but it's "live"). I think my bank keeps them for 5 years or something. If I had a need to keep them such as if I ran a business, I would just archive them myself.

 

[Golgatha]

It's easier for me to read a paper statement, and I won't accidentally overlook an important enclosure. And I wish to avoid any potential commotion from the IRS by being able to produce original documentation if necessary.

On the flipside, I shred anything tax related more than 7 years old. You're required to keep 7 years worth of data and no more. However, if you have more than 7 years, they can audit it.

 

[nanette1985]

I'm willing to bet you can go back farther for a "fee". Banks are all about fees.

If you get asked to pay a fee, just go to a different branch. Worked for me.

 

[Vic Vega]

...

 

[Mixolydian]

Paperless statements. Download the PDF, store it on your computer. Put them on a password-protected flash drive, even.

 

[andylawcc]

i am all for reducing paperwork, but i do keep all my statements in paper form.

 

[OutHouse]

sorry i want all my statement mailed to me. i have files for all my bills and do file them on a weekly basis. i know exactly where the last 7 years of all of my statements are.


I tried the electronic statements and it just does not work for me. guess im old school but i know where all my shit is.

 

[OutHouse]

You could always get it from the place that you made the purchase from.

umm i dont think subway is going to keep a record of the meatball sub you bought 2 years ago on a sunday.

 

[M0oG0oGaiPan]

You're only supposed to switch to paperless once they offer you $5 for switching from snail mail statements.

 

[Lithium381]

i still get paper ones and save them for 7 years

 

[Capt Caveman]

I've seen a lot of folks here declare an aversion for snail mail CC statements, checking statements, etc. but here I am doing my taxes and looking for a credit card charge from last year and my damn CC company (Chase Freedom) only has facts available online for the last 120 days. WTF

Huh? I also have Chase Freedom and I can download monthly statement as PDFs.

 

[fstime]

Either your CC company sucks or you are not looking hard enough.

Look online for an "END OF THE YEAR SUMMARY."

All mine CC's offer one online, if not call and request one.

Amex even breaks down all your charges by category. Travel, entertainment, home repairs, automotive repairs, gasoline, utilities, education, etc to make deductions much easier come tax season.

No more going through and adding up receipts for filing taxes, I just put everything I buy on the card.

 

[spidey07]

I keep all financial documents for at least 2 years and in reality more like 5+. anything and everything that needs a record I get in paper so I can file it and retrieve it. Makes life much easier.

If you ever have to prove something you'll be very happy you have those paper statements.

 

[AFurryReptile]

In my experience, it's worth getting paper statements for EVERYTHING. It was hell getting around what I needed to purchase my house... they literally had me showing them my Netflix payments for the past 3 years :/

I just scan and file it all away now. Last time I had to pull up paperwork took me like 5 minutes.

 

[dabuddha]

Hopefully they've changed it since I've dealt with them but INS (BCIS/USCIS/whatever the fuck they call themselves nowadays) wouldn't accept statement printouts from my bank when I was doing the paperwork for my wife's green card. They wanted original documentation only.

 

[AFurryReptile]

Hopefully they've changed it since I've dealt with them but INS (BCIS/USCIS/whatever the fuck they call themselves nowadays) wouldn't accept statement printouts from my bank when I was doing the paperwork for my wife's green card. They wanted original documentation only.

My loan company didn't like that either. I had to go to my bank and pay something like $45 to get them to print everything I needed.

 

[SlitheryDee]

umm i dont think subway is going to keep a record of the meatball sub you bought 2 years ago on a sunday.

I would think that most significant deductible purchases would be made somewhere that does keep records though. There are very few instances in which I could imagine a meatball sub being a deductible purchase. I suppose you could be entertaining clients or something, but in that case you would certainly keep the receipt.