topic Re: What do you ACTUALLY carry in your wallet? in Credit Cards

What do you ACTUALLY carry in your wallet?

distantarray — Mon, 22 Oct 2012 02:57:47 GMT

Not the ones that are sock drawered. I don't like a over cluttered wallet, but I do have a woman's style wallet that holds my sock drawered cards.

USAA debit card 1% Foreign Transaction fees and 5 free atm withdraws from any ATM in America. Can also transfer money from my Chase or BOA account immediately with the app if needed. (I only keep $500 in here so if someone steals it they won't get much)

Chase Sapphire 0% Foreign Transaction fees, 2 to 1 on travel and dining and nice shopping rewards mall which can get upto 20% discount on rotating items. and the sign up bonus was quite nice.

Amex BCP for 6% groceries, 3% gas and department stores.

---------------------

now next cards that could enter my wallet is

Amex Platnium cause I want the conserige service, free global entry, free club access at airports, free room upgrades etc.

US Cash + for 5% off restaurants and 5% off on Bill pay.

Re: What do you ACTUALLY carry in your wallet?

jsucool76 — Mon, 22 Oct 2012 03:03:39 GMT

distantarray wrote:
Not the ones that are sock drawered. I don't like a over cluttered wallet, but I do have a woman's style wallet that holds my sock drawered cards.

USAA debit card 1% Foreign Transaction fees and 5 free atm withdraws from any ATM in America. Can also transfer money from my Chase or BOA account immediately with the app if needed. (I only keep $500 in here so if someone steals it they won't get much)

Chase Sapphire 0% Foreign Transaction fees, 2 to 1 on travel and dining and nice shopping rewards mall which can get upto 20% discount on rotating items. and the sign up bonus was quite nice.

Amex BCP for 6% groceries, 3% gas and department stores.

---------------------

now next cards that could enter my wallet is

Amex Platnium cause I want the conserige service, free global entry, free club access at airports, free room upgrades etc.
US Cash + for 5% off restaurants and 5% off on Bill pay.

I carry my cap1, my WF, my walmart, and my paypal debit card since it is linked to PPSC :D

Re: What do you ACTUALLY carry in your wallet?

HiLine — Mon, 22 Oct 2012 03:06:41 GMT

Discover More in case I need to buy something online.

Another credit card that offers at least 1% cash back on every purchase.

A debit card in case I need cash.

Only 3 "money" cards

Re: What do you ACTUALLY carry in your wallet?

distantarray — Mon, 22 Oct 2012 03:09:03 GMT

btw for your Walmart account you should call for a CLI. Call 877 379 8173 direct line to GECRB's underwritters. People are getting insane increases I went from 600 to 2500 in 1 call, people have gone from 1,000 to 10,000 and it's a soft check.

jsucool76 wrote:
distantarray wrote:
Not the ones that are sock drawered. I don't like a over cluttered wallet, but I do have a woman's style wallet that holds my sock drawered cards.

USAA debit card 1% Foreign Transaction fees and 5 free atm withdraws from any ATM in America. Can also transfer money from my Chase or BOA account immediately with the app if needed. (I only keep $500 in here so if someone steals it they won't get much)

Chase Sapphire 0% Foreign Transaction fees, 2 to 1 on travel and dining and nice shopping rewards mall which can get upto 20% discount on rotating items. and the sign up bonus was quite nice.

Amex BCP for 6% groceries, 3% gas and department stores.

---------------------

now next cards that could enter my wallet is

Amex Platnium cause I want the conserige service, free global entry, free club access at airports, free room upgrades etc.
US Cash + for 5% off restaurants and 5% off on Bill pay.

I carry my cap1, my WF, my walmart, and my paypal debit card since it is linked to PPSC :D

Re: What do you ACTUALLY carry in your wallet?

jsucool76 — Mon, 22 Oct 2012 03:20:41 GMT

distantarray wrote:
btw for your Walmart account you should call for a CLI. Call 877 379 8173 direct line to GECRB's underwritters. People are getting insane increases I went from 600 to 2500 in 1 call, people have gone from 1,000 to 10,000 and it's a soft check.
jsucool76 wrote:
distantarray wrote:
Not the ones that are sock drawered. I don't like a over cluttered wallet, but I do have a woman's style wallet that holds my sock drawered cards.

USAA debit card 1% Foreign Transaction fees and 5 free atm withdraws from any ATM in America. Can also transfer money from my Chase or BOA account immediately with the app if needed. (I only keep $500 in here so if someone steals it they won't get much)

Chase Sapphire 0% Foreign Transaction fees, 2 to 1 on travel and dining and nice shopping rewards mall which can get upto 20% discount on rotating items. and the sign up bonus was quite nice.

Amex BCP for 6% groceries, 3% gas and department stores.

---------------------

now next cards that could enter my wallet is

Amex Platnium cause I want the conserige service, free global entry, free club access at airports, free room upgrades etc.
US Cash + for 5% off restaurants and 5% off on Bill pay.

I carry my cap1, my WF, my walmart, and my paypal debit card since it is linked to PPSC :D

I went from 500 to 800 a week ago or something. I was afraid to ask for more since my card is only 2 months old.

Re: What do you ACTUALLY carry in your wallet?

Bay_Area_Joe — Mon, 22 Oct 2012 03:23:30 GMT

This month I am carrying my Citi Diamond Prefered MC, and my personal Debit, I also have my Wells Fargo Business Visa always with me.

No need to carry more than one personal CC at a time, clutter is bad. Always rotate cards based on statement closing dates....

Re: What do you ACTUALLY carry in your wallet?

distantarray — Mon, 22 Oct 2012 03:26:19 GMT

jsucool76 wrote:
distantarray wrote:
btw for your Walmart account you should call for a CLI. Call 877 379 8173 direct line to GECRB's underwritters. People are getting insane increases I went from 600 to 2500 in 1 call, people have gone from 1,000 to 10,000 and it's a soft check.
jsucool76 wrote:
distantarray wrote:
Not the ones that are sock drawered. I don't like a over cluttered wallet, but I do have a woman's style wallet that holds my sock drawered cards.

USAA debit card 1% Foreign Transaction fees and 5 free atm withdraws from any ATM in America. Can also transfer money from my Chase or BOA account immediately with the app if needed. (I only keep $500 in here so if someone steals it they won't get much)

Chase Sapphire 0% Foreign Transaction fees, 2 to 1 on travel and dining and nice shopping rewards mall which can get upto 20% discount on rotating items. and the sign up bonus was quite nice.

Amex BCP for 6% groceries, 3% gas and department stores.

---------------------

now next cards that could enter my wallet is

Amex Platnium cause I want the conserige service, free global entry, free club access at airports, free room upgrades etc.
US Cash + for 5% off restaurants and 5% off on Bill pay.

I carry my cap1, my WF, my walmart, and my paypal debit card since it is linked to PPSC :D

I went from 500 to 800 a week ago or something. I was afraid to ask for more since my card is only 2 months old.

lol my card was 2 months old and only used it ONCE the night before I requested a CLI, I asked for $5,000 got $2,500 lol

Re: What do you ACTUALLY carry in your wallet?

creditnocash — Mon, 22 Oct 2012 03:29:01 GMT

+1 on the walmart thing. i didnt use that number but went from 800 t0 3k.

believe it or not i need to slim down my wallet.

as of right now or starting tommorrow i will only carry....

Amex Zync

Citizen's Mastercard

Chase Freedom

Citizen's Debit Visa

BoA Debit

All other's are sd.

Macy's
Best Buy

Kohls

Walmart

i only take these out when i actually plan on going to the store.

i shop like a guy.

get in

get stuff

get out. thats it.

Re: What do you ACTUALLY carry in your wallet?

Revelate — Mon, 22 Oct 2012 03:30:49 GMT

Regularly: Zync, BOFA 1-2-3, and that's sorta it actually besides $20 which I had to start carrying again... cash-only diner that has most excellent food :). Everything else is for sporadic purchases at this point to keep them active.

Re: What do you ACTUALLY carry in your wallet?

andre181 — Mon, 22 Oct 2012 03:33:17 GMT

Wells Fargo debit card
Discover More
US Bank Cash+
Amex BCE
Amex PRG
Target Redcard

BoA Cash Rewards 123 is kept in my car as it is ONLY used for gas when gas is not 5% on Discover.

Re: What do you ACTUALLY carry in your wallet?

dialect — Mon, 22 Oct 2012 03:44:27 GMT

Driver's License DUUUUUH ;)

Chase Debit (I get paid weekly so I go to the bank a lot)

PenFed Visa Platinum (5% gas, 3% groceries)

Citi Forward (5% foooooood, and Amazon?)

Chase Freedom (1% + Chase bonuses)

Chase Slate (oldest account, waiting for it to become eligible for a PC)

Walmart Discover (TU score)

Discover More (if I buy anything online this quarter)

Citi Diamond Preferred (0% for another 15 months)

Gap (I shop at Banana Republic way too much)

Macys (whoops)

J.Crew (whoops)

Re: What do you ACTUALLY carry in your wallet?

CreditScholar — Mon, 22 Oct 2012 03:46:57 GMT

Credit/Debit cards in my wallet:

1. Chase Sapphire Preferred Visa Signature

2. Chase United MP Club WEMC

3. J.P. Morgan Ritz Carlton Visa Signature

4. BofA US Airways Visa Signature

5. BofA US Airways Visa Debit Card

6. Westpac Debit Mastercard w/EMV

Sockdrawer:

1. BofA Visa Signature

Re: What do you ACTUALLY carry in your wallet?

youngandcreditwrthy — Mon, 22 Oct 2012 03:49:34 GMT

Just Discover Motivaand Amex BCE for me :-)

Re: What do you ACTUALLY carry in your wallet?

android01 — Mon, 22 Oct 2012 05:56:08 GMT

It rotates every month or two. Currently I'm carrying Barclays Ring, US Bank cash+, Discover IT card, Amex Business Platinum, AMEX Costco, Amex Platinum Delta. Chase Sapphire Preferred and JP Morgan Select.

Re: What do you ACTUALLY carry in your wallet?

maiden_girl — Mon, 22 Oct 2012 06:08:02 GMT

ummm......all the cards in my sig...lol...I need a new wallet.

Re: What do you ACTUALLY carry in your wallet?

distantarray — Mon, 22 Oct 2012 06:19:17 GMT

maiden_girl wrote:
ummm......all the cards in my sig...lol...I need a new wallet.

You don't count your a girl :P you girls get to carry bigger wallets, it's pretty much socially frowned upon to carry a huge wallet for a guy lol

Re: What do you ACTUALLY carry in your wallet?

RonDawg — Mon, 22 Oct 2012 06:22:30 GMT

lets see, my signature line says it all.

Anyways I like my 5% cash back cards, Discover More because I get a lot of bag for the buck, Chase Freedom well because they usually have a catagory that is not the same as Discover. But my favorit is the USBank Cash + card because I can keep my catagories the same every period currently I am ready for my first $100.00 payout to get my free $25.00 gift card.

Re: What do you ACTUALLY carry in your wallet?

maiden_girl — Mon, 22 Oct 2012 06:31:07 GMT

distantarray wrote:
maiden_girl wrote:
ummm......all the cards in my sig...lol...I need a new wallet.
You don't count your a girl :P you girls get to carry bigger wallets, it's pretty much socially frowned upon to carry a huge wallet for a guy lol

LMAO well my wallet has everything! My checkbook (I know. I still write checks lol) discount cards (rite aid, cvs, vons, ralphs, etc.) debt cards...plus credit cards. My wallet barely closes these days. LOL. I just need a new wallet with more card slots. That'd be a nice upgrade.

Re: What do you ACTUALLY carry in your wallet?

Jlu — Mon, 22 Oct 2012 06:31:41 GMT

My go to cards are Chase Freedom for 5% or 1.5% on non-bonus category purchases. I use Discover for the rotating categories only - I refuse to use them for any purchase outside these categories. Same goes for BOA 3-2-1, i use them for the 3% on gas when i cant get 5% and i use them at the grocery store for the 2%.

I'll use the JP Morgan Select for travel purchases or sometimes to try and impress friends or coworkers who always think I must be a Chase Private Client with millions stashed away.

My cap1's, barclay, FP and all the other are kept outside my wallet unless I have a direct need for them.

My only addition would be the CSP, which may be coming very soon. But it is getting harder and harder to explain 20 inquiries on my report. I'll update tomorrow to see if recon works ..no denial yet, just 7-10 day.

Re: What do you ACTUALLY carry in your wallet?

distantarray — Mon, 22 Oct 2012 06:33:00 GMT

lol i bought one (woman style wallet) since i'm a neat freak and I always lose my check book so I put it in there. and No I don't carry it around =)

I found out all my sock drawered cards completely FILL UP THE DAMN THING not even 1 slot left =\ it looks pretty though lol