A while back, one of the credit card companies offered a small reward for switching to paperless statements. Looking forward to sparing a few trees while easily storing statements electronically instead of scanning them, I accepted the offer. Driven by that same desire to be environment-friendly, I later repeated this for my main card. Fortunately, I review payments in Quicken regularly because this month I nearly forgot to pay a large bill. That is not like me at all, but I quickly realized how this happened. When the last monthly statement reminder arrived in email, I stashed it in my to-do folder and promptly forgot about it. Given that most people are not nearly so organized, I couldn’t help suspecting that an increase in late payments (and fees) is an intentional benefit of offering paperless statements.