cancel
Showing results for 
Search instead for 
Did you mean: 

Credit Card Problems

tag
OHWWCB
Regular Contributor

Credit Card Problems

UGH!

 

Ever since more than doubling my number of credit cards and now having rewards card, every purchase takes me anywhere from 30 seconds to long minutes wondering which card is going to give me the most bang for my buck. Earlier today I bought a new road bike and sat in my car for 5 minutes determining if I was going to PIF or whether I was going to pay it off over time and then once I decided to do that, which 0% APR card I would use. Right now, I'm booking a quick flight to Chicago. I'm like, do I book with my new Marriott Rewards for the 2x points and the spend towards my bonus or do I book with CSP for 3x. AND THEN, when I realized my cheapest flight option was American, do I book with my US Airways card for Dividend Miles?!

 

I know, #firstworldproblems but not problems I had two months ago. Haha!


Hilton Honors $15,000 | AMEX Green | Chase Sapphire Preferred $9000 | Discover IT $6600 | Marriott Premiere Rewards $5000 | Chase Freedom $5500 | Barclaycard Visa with Apple Rewards $2000 | CapitalOne Quicksilver One $2000 | US Airways Dividend Miles $2400
Message 1 of 9
8 REPLIES 8
MT936
Established Contributor

Re: Credit Card Problems

It's easy for me most of my spend goes to the Amex prg  while the ocassional 5% gas  period goes to my discover it or freedom

Amex Blue Cash Everyday: $25,000 | Navy FCU Cash Rewards: $25,000 | Discover It: $20,500
Chase Freedom: $12,500 | Citi Double Cash: $10,000 | Bank of America Cash Rewards: $8,000

Message 2 of 9
CreditPlay
Frequent Contributor

Re: Credit Card Problems

LOL! You can use wallaby app to decide which card to use when.


         
FICO08 12/2014EQ 777TU 799EX 767
 
    
Message 3 of 9
noobody
Established Contributor

Re: Credit Card Problems

since you can transfer points from csp to marriott, my marriott card would never see daylight unless i stay at there property

EX819 1HP|TU797 1HP| EQ(Fico8 BankCard)841
Message 4 of 9
OHWWCB
Regular Contributor

Re: Credit Card Problems


@Jayx wrote:

LOL! You can use wallaby app to decide which card to use when.


I'll have to look into that. Thanks!


Hilton Honors $15,000 | AMEX Green | Chase Sapphire Preferred $9000 | Discover IT $6600 | Marriott Premiere Rewards $5000 | Chase Freedom $5500 | Barclaycard Visa with Apple Rewards $2000 | CapitalOne Quicksilver One $2000 | US Airways Dividend Miles $2400
Message 5 of 9
OHWWCB
Regular Contributor

Re: Credit Card Problems


@noobody wrote:

since you can transfer points from csp to marriott, my marriott card would never see daylight unless i stay at there property


It might not once I meet their bonus spend unless they have bonus categories. Like renting a car, I got 5000 bonus points.


Hilton Honors $15,000 | AMEX Green | Chase Sapphire Preferred $9000 | Discover IT $6600 | Marriott Premiere Rewards $5000 | Chase Freedom $5500 | Barclaycard Visa with Apple Rewards $2000 | CapitalOne Quicksilver One $2000 | US Airways Dividend Miles $2400
Message 6 of 9
cschick
Valued Member

Re: Credit Card Problems

I tape a scrap of paper with the relevant bonus category/promo scrawled on it to the front of my cards for the low tech way to make that checkout line decision. I aso have the current go to card in the easily accessible part of my wallet.
FICO: 782(Ex, AMEX 8/12), Mortgage Pull(3.0%, 5/1 ARM from Local CU 2/2013): 725(EX), 757(TU), 772(EQ); 775(EX, Amex 8/14)
Cards: Amex BCE(10300), Discover(7000), Target (1000), PenFed Platinum Rewards Visa (8500), Chase Freedom(5000), Barclay Arrival+ (10000), Amex HHonors Surpass(11,800)
App'd: Barclay & Hhonors Surpass Aug 2014, PenFed & Freedom Feb 2013, Amex & Target Jul 2012, Discover Feb 2008 Gardening til ???
Goals: TBD, possibly a mortgage refi to a fixed rate or better adjustable
Message 7 of 9
heyarrnold
Valued Contributor

Re: Credit Card Problems


@Jayx wrote:

LOL! You can use wallaby app to decide which card to use when.


+1, I love that app haha. 

Message 8 of 9
OHWWCB
Regular Contributor

Re: Credit Card Problems


@cschick wrote:
I tape a scrap of paper with the relevant bonus category/promo scrawled on it to the front of my cards for the low tech way to make that checkout line decision. I aso have the current go to card in the easily accessible part of my wallet.

That's smart. Most of my money goes toward restaurants (I rarely cook) and travel so my CSP is my go-to swipe. When it's not those categories or gas, I'm lost. lol


Hilton Honors $15,000 | AMEX Green | Chase Sapphire Preferred $9000 | Discover IT $6600 | Marriott Premiere Rewards $5000 | Chase Freedom $5500 | Barclaycard Visa with Apple Rewards $2000 | CapitalOne Quicksilver One $2000 | US Airways Dividend Miles $2400
Message 9 of 9
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.