Over 110 UK credit cards independently reviewed by Fiscus Credit Cards

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Online Accounts

Several credit card issuers, such as Egg, Smile and Cahoot, offer internet-only accounts, where you would not expect to receive a monthly paper statement. As these companies are online banks, they save a great deal of money by not having to pay for a large branch network and the wage costs of everyone that would work in them. They instead use technology to their advantage, and by automating a lot of processes, end up saving a substantial amount of money.

Some of these savings are passed onto their customers and it usually means that these companies end up offering some of the most competitive rates (although many of the established banks have hit back with more competitive products than before).

Almost all traditional credit card issuers, such as Barclaycard and American Express, now give you the option of checking your balance and recent transactions through their websites, in addition to paper statements.

Although going online is the easiest and quickest way to monitor your spending, this feature is not available on all types of credit card account.

The obvious precaution to take is that if you opt to view your bills online only, you should check your balance regularly. If you don't do this, you may find a paper bill landing on your doormat, notifying you of late payment charges. However, managing an account online often helps consumers keep a much closer track on their spending.

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