How to Keep Records of Credit Card Information
When bills, receipts and statements for multiple credit cards clog your mailbox and pile up on your desk, it's time to get organized. Keeping and organizing records of your credit card information is crucial to making payments on time, maintaining good credit and keeping your home office as clean as possible. This requires you to not only file your statements but also to keep track of every payment that is due and every payment you make.
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Instructions
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Fill out a monthly chart that tracks your credit cards. For each credit card, list the name of the card, the balance, the due date, the minimum payment and the payment you intend to make. When you've made the payment, check it off along with the date. Keep your chart in a highly visible place, like a whiteboard hanging in your office.
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Open and read your credit card statements as they come. Keep two folders for each card: one labeled "current" and the other labeled "old." When a new statement or bill comes in the mail, track it in your monthly chart and place it in the "current" folder, transferring the one in there to the "old" folder.
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Check credit card receipts to make sure they match up with your statements. Throw away old receipts after confirming your purchases to avoid a buildup of clutter.
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Tips & Warnings
If you receive your credit card statements online, you can file them one of two ways. Either print out your electronic statements and file them traditionally, or create a digital filing system. When you get a new e-statement, save it under a file folder labeled "current." Create a folder labeled "old" for old statements, and drag and drop files between folders just like you would with a hard copy.
References
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