Credit Card Budget ? Yes, No or ... What?

[Anonymous]

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@Uborrow-Upay wrote:

I'm kind of surprised that nobody's yet mentioned one thing in particular, and it's something I do each and every time.  And it determines which card I use (most of the time).

Does anybody factor in the card's statement closing date as part of budgeting?  

For instance, if I use a card today, and its statement closing date was yesterday, I know that I've got over 7 weeks to pay that balance, interest free.  That's made a difference to me more than once. 

I can't be the only one that does this...?

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I haven't been doing this, but only because I'm not credit-smart enough to even realize this is a great idea.  I'll definitely be doing it now

[Anonymous]

Well, I used to carry cash and check book until 7 yrs a go.  Now, I am so used to not to carry those except $10 in cash for whenever need.  Just like any other members here ... charges only I can PIF every month!   Of cause there is the time I needed to charge more than monthly spending ... like I had to replace my PC in May and my car audio last month, and now I am looking for to replace my TV (non-flat and recently got broken and doesn't comes on) and DVD player (getting not working correctly).  That's why I have pre-set budget on all of my ccs around how much I can charge monthly.  Then sometimes I don't even charge near to it, and sometimes go over it ... eventually its even out at the end.

Yes, I'm same as hauling ~ go by the closing date also. 

Addition to it, I look at which ccs can earn more rewards even with 1% ... it's my Freedom since I have banking acct with Chase ... to determine which one to use.  So, every quarter I write on a piece of paper which cc to use at which store/category to avoid using a wrong cc at wrong place.  But, total monthly spending is remains same ... just shuffle around the amount between the ccs. 

[Anonymous]

Right now it's really easy for me to know which rewards card to use because I haven't gotten the BCE yet.  I use my Amex Clear at costco and Chase Freedom everywhere else.