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Regular Contributor
Posts: 199
Registered: ‎01-26-2013
0

Anyone else can't...

...decide which cards to use when you are out shopping/running errands???

 

I find myself shuffling through the cards in my wallet trying to decide which card to use while the cashier is scanning! I sometimes go through all of my cards before I make up my mind! This is what happens when you have too many rewards cards lol  Smiley Very Happy

Discover IT: $18k | Chase Freedom: $5k | CSP: $7k | AMEX BCE: $25k | BankAmericard Cash Rewards: $5,4k | Citi Double Cash: $4,7k | Cap1 QS: $6k | Sallie Mae: $5k | US Bank Cash+: $5k | Chevron: $3,5k | Macy's Store: $4,2k; Macy's AMEX: $6k | Kohl's: $2k
Moderator
Posts: 27,207
Registered: ‎09-13-2012
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Re: Anyone else can't...

Well, I'm in the other line trying to figure out the same thing! 😒
Frequent Contributor
Posts: 319
Registered: ‎03-25-2013
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Re: Anyone else can't...

I've created a spreadsheet for reference.

And sometimes it complicated by short term rewards such as $100 for $500 spent in 3 months. 

 

I give my wife simple instructions, keep her to 3 cards tops, and rotate them out as needed

FICO EX 827, 2015 Feb; FICO EQ 836/900 (Citi), 2014 Dec; FICO TU08 818, 2015 Feb.

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Regular Contributor
Posts: 199
Registered: ‎01-26-2013
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Re: Anyone else can't...

Yeah, the set categories are the easy ones since I can plan around it. Its the "everything else" that is harder since I am thinking about my current balance on the card, the closing date, etc while I am standing in line. I guess I should just rotate them and be done with it lol

Discover IT: $18k | Chase Freedom: $5k | CSP: $7k | AMEX BCE: $25k | BankAmericard Cash Rewards: $5,4k | Citi Double Cash: $4,7k | Cap1 QS: $6k | Sallie Mae: $5k | US Bank Cash+: $5k | Chevron: $3,5k | Macy's Store: $4,2k; Macy's AMEX: $6k | Kohl's: $2k
Valued Contributor
Posts: 2,424
Registered: ‎03-15-2012
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Re: Anyone else can't...

One method I used was to add my old lady, and brat (college bound) as AU's on my less favorite cards, as to keep them in motion.
Established Contributor
Posts: 500
Registered: ‎05-11-2007
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Re: Anyone else can't...

I shop at krogers for groceries..always use my bcp. 6% back. Kroger then gives me .20 a gallon off of gas from thier rewards thing, so i go to the gas station and cant remeber for the life of me who has the gas rewards that month....thats when i shuffle through my bcp, discover, chase, hmmmmm
Established Contributor
Posts: 643
Registered: ‎09-18-2011
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Re: Anyone else can't...

 

I usually make up my mind every month on which cards to use for what, and mostly follow it.


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

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Valued Contributor
Posts: 1,276
Registered: ‎09-22-2009
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Re: Anyone else can't...

[ Edited ]

I'm always running the statement cut dates though my mind when I'm in the checkout line.  I don't want to have something report a balance that I'm not expecting! Smiley Very Happy

EQ FICO - EQ08 - 850 - 01/01/15
TU FICO - TU08 - 850 - 01/01/15
EX FICO - EX08 - 850 - 01/01/15
EX FICO - V2 - 840 - 01/01/15
EQ FICO - EQ04 - 818 - 01/01/15
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Member
Posts: 92
Registered: ‎04-04-2013
0

Re: Anyone else can't...

Just set no brainers out.

 

Small purchases for me Chase Freedom for 10 for 10 bonus (grandfathered in)

 

Gas Amex Starwood

 

Groceries Amex BCP

 

Restaurants Chase Sapphire Preferred

 

Amazon Citi Forward (yes I'm still getting 5x)

 

massage parlors at 2am Amex gift cards =) jk

Established Contributor
Posts: 643
Registered: ‎09-18-2011
0

Re: Anyone else can't...


android01 wrote:

I'm always running the statement cut dates though my mind when I'm in the checkout line.  I don't want to have something report a balance that I'm not expecting! Smiley Very Happy


I know exactly what you mean. I do the same lol


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
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