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Regular Contributor
jakemod1
Posts: 171
Registered: ‎01-26-2013

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  :smileyvery-happy:

Discover IT: $7,500 | Chase Freedom: $5,000 | Chase Sapphire Preferred: $7,000 | AMEX BCE: $6,000 | BoA BankAmericard Cash Rewards: $2,500 | Cap1 VentureOne: $5,000 | GECRB Chevron: $3,500 | Macy's Store: $4,200; Macy's AMEX: $6,000 | Best Buy: $500 | Kohl's: $2,000
TU FICO: 746 (myFICO 7/28/13)
EQ FICO: 767 (myFICO 2/28/13)
EX FICO: 742 (myFICO 8/8/13)
App Free as of 8/8/13
Moderator
09Lexie
Posts: 22,431
Registered: ‎09-13-2012

Re: Anyone else can't...

Well, I'm in the other line trying to figure out the same thing! 😒
Frequent Contributor
oscar_actuary
Posts: 290
Registered: ‎03-25-2013

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 739, 2013 Jun. FICO TU08 778, 2013 Dec. FICO EQ 736, 2013 Aug.
BofA Cash Rwrds Sig V 2013 10k; Fidelity Rewards AmEx /BofA 2013 15.4k; Chase Freedom Sig V 2002 24.1k; Chase Amazon Rwrds Sig V 2011 8k; Sam's Club GE Dscvr 2002 10k; Dscvr It 2012 10k; Citi Dvdnd Plat Sel V 2013 8.9k; PenFed Plat Rwrds V 2013 20k; AmEx Blue Sky 2013 21.6k; Priceline Rwrds Sig V 2013 8.7k; PayPal Xtras GE Cap Plat MC 2012 5k; JC Penny 2011 1k

Regular Contributor
jakemod1
Posts: 171
Registered: ‎01-26-2013

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: $7,500 | Chase Freedom: $5,000 | Chase Sapphire Preferred: $7,000 | AMEX BCE: $6,000 | BoA BankAmericard Cash Rewards: $2,500 | Cap1 VentureOne: $5,000 | GECRB Chevron: $3,500 | Macy's Store: $4,200; Macy's AMEX: $6,000 | Best Buy: $500 | Kohl's: $2,000
TU FICO: 746 (myFICO 7/28/13)
EQ FICO: 767 (myFICO 2/28/13)
EX FICO: 742 (myFICO 8/8/13)
App Free as of 8/8/13
Valued Contributor
Burned2manybridgesB4
Posts: 1,377
Registered: ‎03-15-2012

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.
Frequent Contributor
Chris123nTx
Posts: 464
Registered: ‎05-11-2007

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
tennisfan78
Posts: 627
Registered: ‎09-18-2011

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

Take the FICO Fitness Challenge
Valued Contributor
android01
Posts: 1,186
Registered: ‎09-22-2009

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! :smileyvery-happy:

EQ FICO - Beacon 5.0 - 806 - 3/29/14
TU FICO - TU98 - 802 -3/29/14
TU FICO - TU08 - 850 - 4/4/14
EX FICO - Fair Isaac v2 - 811 - 4/14/14
EX FICO - EX08 - 850 - 3/29/14
Member
hayabusa
Posts: 92
Registered: ‎04-04-2013

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
tennisfan78
Posts: 627
Registered: ‎09-18-2011

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! :smileyvery-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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