topic Re: Ever have trouble choosing ......... in Credit Cards

Ever have trouble choosing .........

lylesvegas — Sat, 29 Dec 2012 14:58:24 GMT

I was at the mall the other day and was buying about 150 dollars worth of clothes. I was at the cash register and pulled my wallet out to pay. First thing I think of is what card will give me the best bang for my buck. Then when I see they would all be the same I have to decide. I dont mean to sound foolish but it really took me like 15 seconds to make my decision. Anyone else ever have this problem ?????

Re: Ever have trouble choosing .........

jsucool76 — Sat, 29 Dec 2012 15:42:37 GMT

I do sometimes. My "go to" card is my cap1 since it earns 1% plus the 50% bonus, but i always want to make sure all of my cards get used at least once a month.

Re: Ever have trouble choosing .........

bs6054 — Sat, 29 Dec 2012 17:17:48 GMT

My current "which card" problem arises when buying take out food. I get 5% (= 6.25% with bonus) using US Bank Cash Plus if the place is coded as a restaurant, but only 1% (= 1.25%) if it is coded as a fast-food place, in which case it is better to use a 2% Fidelity Amex (or the 1.5% Cap One if they don't take Amex). If I know in advance which place I am going to, I can look it up on the Visa site, but that is rarely the case (and is far too loser-nerd anyway!).

Eventually I remember that even if it say $30, the difference between 1.25% and 2% is about 23 cents, so this is not the most important financial decision I have to make!

Re: Ever have trouble choosing .........

chnceit — Sat, 29 Dec 2012 17:20:02 GMT

All the time! But it takes about two minutes because I don't want to hold up the line lol

Re: Ever have trouble choosing .........

flowfaster — Sat, 29 Dec 2012 17:22:29 GMT

The next quarter will be even harder. Discover, Citi Forward, US BANK Cash+ all for restaurants AHHH! lol

Re: Ever have trouble choosing .........

daybreakgonesXe — Sat, 29 Dec 2012 17:34:32 GMT

jsucool76 wrote:
I do sometimes. My "go to" card is my cap1 since it earns 1% plus the 50% bonus, but i always want to make sure all of my cards get used at least once a month.

Same problem as the OP sometimes when I'm NOT shopping at JCP ;) then I always use my JCP card...but at every other store, I stare at my collection, wondering what to do next...especially if Freedom isn't offer 5x back on department stores...

But like jsucool76, I'll use the card I haven't used yet for that billing cycle. If all cards have been already used, at this point in time I'd likely grab my Sapphire since I'm so close to the $500 spending. If I already hit the threshold, then I'd do an eeny meenie miny moe on Sapphire, Freedom, or TD Bank ;) 1x for all of them. Orchard...we won't even go there...

Re: Ever have trouble choosing .........

jsickz32 — Sat, 29 Dec 2012 17:38:59 GMT

If im by myself and paying attention then ill choose a card. Most of the time im with friends or the GF or texting and i just grab whatever is first im my wallet. Same when getting gas.

Re: Ever have trouble choosing .........

jake619 — Sun, 30 Dec 2012 08:01:24 GMT

this sounds to me like youre carrying too many cards. embrace the sock drawer.

Re: Ever have trouble choosing .........

Creditaddict — Sun, 30 Dec 2012 08:15:14 GMT

lylesvegas wrote:
I was at the mall the other day and was buying about 150 dollars worth of clothes. I was at the cash register and pulled my wallet out to pay. First thing I think of is what card will give me the best bang for my buck. Then when I see they would all be the same I have to decide. I dont mean to sound foolish but it really took me like 15 seconds to make my decision. Anyone else ever have this problem ?????

Yes except right now I'm not thinking rewards... I'm thinking Approval! I got it wrong today paying for $1 Parking fee! LOL

Re: Ever have trouble choosing .........

visorboy1974 — Sun, 30 Dec 2012 09:43:47 GMT

Outside of Nordstrom or Macy's, I usually will use whatever card is in my rotation. Typically it's 2 cards in the wallet at one time and they each have a week or so.

Re: Ever have trouble choosing .........

visorboy1974 — Sun, 30 Dec 2012 09:44:49 GMT

Creditaddict wrote:
lylesvegas wrote:
I was at the mall the other day and was buying about 150 dollars worth of clothes. I was at the cash register and pulled my wallet out to pay. First thing I think of is what card will give me the best bang for my buck. Then when I see they would all be the same I have to decide. I dont mean to sound foolish but it really took me like 15 seconds to make my decision. Anyone else ever have this problem ?????
Yes except right now I'm not thinking rewards... I'm thinking Approval! I got it wrong today paying for $1 Parking fee! LOL

Did you mean you got declined over a buck?

Re: Ever have trouble choosing .........

bichonmom — Sun, 30 Dec 2012 10:29:00 GMT

I thought I was the only one! :smileytongue: I have to think which is going to give me the best rewards... and what are the statement dates so I don't end up with a balance posting that I don't want. (That has happened because I was so close to the stmt date when I used the card.) I try not to use a card within a week of the statement date, except for the ones that I let a bal report, which are Navy and my 2 Amex. Usually I end up just using my Navy because I feel badly having the cashier wait with their hand out and sometimes there are people in line behind me.

It's kind of ironic because 2 yrs ago, I had ZERO credit cards, so there was no choice. It was my debit card, and that's it.

Re: Ever have trouble choosing .........

Sweets8E — Sun, 30 Dec 2012 13:21:12 GMT

I recently had this problem when buying gas, and then later that day when shopping for a pair of new sneakers. My problem though, is that I now carry around my PRG Amex, my Discover More card, my Chase Southwest and then like 2 of my NFCU cards, plus my debit. Sadly enough, it got so frustrating sitting at the pump that I just swiped my debit card instead. :smileyembarrassed: A couple of posts ago, someone said something that made total sense to me. They carry 2 cards around at any given time. I think I will do that now.

And to think, I was just online yesterday looking for a new wallet to hold all of the plastic. I don't need that kind of headache. I don't exactly want to look like a card junkie either in front of co-workers and friends....

Re: Ever have trouble choosing .........

iloverewards — Sun, 30 Dec 2012 14:07:46 GMT

Right now I'm torn between Discover and CSP for eating out b/c Discover is offering 5% cash back between January and March while I am trying to meet my spend requirement for my CSP bonus. I think I'll spend enough to meet my bonus first and then move to Discover until the quarter ends.