Credit cards--- how much money to push through them to make them "happy".

[Jake0215]

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@Scamp wrote:

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@haulingthescoreup wrote:

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@MarineVietVet wrote:

This is most definitely one of those YMMV situations. For several years now my only monthly charge on one of my cards is around $17 for my XM Radio bill. Another card has my cable bill of about $70 dollars on it.

They seem perfectly content with this.

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+1

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If I just type +1 a hundred times in 1 post could one of you give me credit for 100 posts. It would save me a lot of time.

[Gollum]

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@Anonymous wrote:

And by happy i mean, no AA or .... jealousy? (I'm not sure the phrasing is correct there)? Is it enough to push through a few hundred a month and PIF? I'm just wondering about this and if no AA, how it will affect future CLIs I suppose.

Cheers!

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I think a no-annual-fee card should generate at least $35 annually in fee transactions and/or interest in order to make the credit card company "happy."

That's approx. $3/month.

I read recently that the average Visa fee returned to the credit-card-issuing bank is approx. 1.9% per transaction.

It that is correct, running $160/month through the card (while paying in full) is probably the minimum to keep the credit card company "happy:"

$160 multiplied by 0.019 equals $3.04.

[boomhower]

I maximize my rewards.  Most goes through Amex BCP with Discover and Chase Freedom getting their 5% categories.  I make them work for me, not the other way around.

[Gollum]

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@Scamp wrote:

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@haulingthescoreup wrote:

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@MarineVietVet wrote:

This is most definitely one of those YMMV situations. For several years now my only monthly charge on one of my cards is around $17 for my XM Radio bill. Another card has my cable bill of about $70 dollars on it.

They seem perfectly content with this.

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+1

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The above is the most useless series of followups that I have ever seen.  I hope you moderators of this WWW forum:

haulingthescoreup

Scamp

feel proud of yourselves, because I certainly am not impressed by your smiley-face contributions to the conversation.

[CreditScholar]

Push through as much as you reasonably can as long as you can always PIF. Don't charge stuff just for the sake of charging, but if you're going to anyways and PIF you may as well collect the rewards that go along with it.

[MarineVietVet]

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@Gollum wrote:

 

The above is the most useless series of followups that I have ever seen.  I hope you moderators of this WWW forum:

haulingthescoreup

Scamp

feel proud of yourselves, because I certainly am not impressed by your smiley-face contributions to the conversation.

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It's an inside joke directed strictly at me.

[Gollum]

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@MarineVietVet wrote:

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@Gollum wrote:

 

The above is the most useless series of followups that I have ever seen.  I hope you moderators of this WWW forum:

haulingthescoreup

Scamp

feel proud of yourselves, because I certainly am not impressed by your smiley-face contributions to the conversation.

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It's an inside joke directed strictly at me.

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I am certain that you moderators have at least one way to exchange private messages.

A private message seems appropriate for

"an inside joke directed strictly at me"

instead of what was posted.

Thank you for responding, and further responses are not necessary.

Instead, I hope that moderators refrain from useless emoticon posts.

[clocktick]

Seriously, what does it matter?  A lot of people here use emoticons and have "private jokes."  Who cares if it's a moderator or not?  I'd rather see happy faces than posts like yours.  Just move on.  This is just an internet forum with regular everyday people.  I actually thought your first response post was a joke.  Wow.

[Gollum]

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@clocktick wrote:

Seriously, what does it matter?  A lot of people here use emoticons and have "private jokes."  Who cares if it's a moderator or not?  I'd rather see happy faces than posts like yours.  Just move on.  This is just an internet forum with regular everyday people.  I actually thought your first response post was a joke.  Wow.

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People google for information about credit cards.  Myfico.com is apparently crawled 24/7 by web crawlers.  Google searches rank myfico.com posts at the top, in my experience.

If you'd "rather see happy faces", I could make you happy by posting a bunch of "happy faces" without providing any content.

That would not help people find information, though, and that is/was my complaint.

[Open123]

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@Anonymous wrote:

And by happy i mean, no AA or .... jealousy? (I'm not sure the phrasing is correct there)? Is it enough to push through a few hundred a month and PIF? I'm just wondering about this and if no AA, how it will affect future CLIs I suppose.

Cheers!

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Ah, in most cases, I'd say at least $5 bucks per month?

What I like to do is just have a small recurring charge to each card.  If you have deposit accounts, they care much less.  I've gone 15 years without using a BofA card and didn't even bother activating the cards they send me for renewal, and it's still there with CL increases.  

If you bank with them, I wouldn't worry about it.  If you don't, then at least buy a cup of coffee, or have a small recurring charge, such as magazine etc...