I'm one of those guys who pays all of my bills on time and in full. I don't like charging interest and don't like paying interest. I really hate finance charges. So, I just don't buy more than I can pay in full
I do ask credit card companies to both Email me as well as mail a statement. That way I always have the current statement. I pay using my bank's "Bill Pay" facility. I love bill pay. It is a total win-win for me and my bank. Bill Pay is the best thing since Email.
In November, I did not get an Email or a snail mail statement from Target. In December I also received neither. Then, I received a delinquent Email, researched and immediately paid in full. In January, I received the Nov. and Dec. statements.
Target reported my delinquency to the Credit Agency and my FICA score, after about 50 good years, took a nose dive. Target was delighted to refund all the charges, but refused to make it good with the Credit Bureau. I, then, refused to make my customer relationship good with them. I know a balance is due even if you get no statement. But that is not real life. A statement or Email advice triggers payment.
I cancelled my red card, cancelled their prescription card, stopped buying groceries, stopped buying clothing, stopped buying housewares, but I do get cat food, but only the dry.
My FICA is roaring back, but Target lost me for life. Their excuse, If we did this for you, we would not be treating others equally. Brilliant! Just screw everyone, right or wrong so you're equal.