I always wonder why my over-efficient bank feel the need to send me a credit card statement every single month in the post, even when I have nothing to pay!  This morning I received a huge fold out bill saying “balance now due: 0.00″ and loads of instructions on how to pay my £0.00.  Not only that but I receive a leaflet every month which I have yet to read, an envelope to send my cheque in for £0.00 (if I am feeling too archaic to do an online payment) and often an invitation to buy some shares (if it was in forestry, at this point I might feel tempted!)

Now I have already opted for paper-free banking because a) it saves trees b) by the time the bill gets through the post it is out of date, as are bank statements c) it is much easier for me to be notified online or via email.

So Halifax, if you are reading this, please have a think about paper usage and utilise one of the following options:

* Issue my credit card bills online, notified by email

* Don’t send a bill if there is nothing to pay

* If you must send a bill just send a postcard or a single sheet of paper.  Print it on the inside of the envelope if you like!