Reply
Contributor
Posts: 92
Registered: ‎11-21-2012
0

Ever have trouble choosing .........

I was at the mall the other day and was buying about 150 dollars worth of clothes. I was at the cash register and pulled my wallet out to pay. First thing I think of is what card will give me the best bang for my buck. Then when I see they would all be the same I have to decide. I dont mean to sound foolish but it really took me like 15 seconds to make my decision. Anyone else ever have this problem ?????

Amex BCE...Amex ED...Barclay WMC...Priceline Rewards Visa...Cap One Venture...Total Rewards Visa...Wells Fargo Visa...Discover IT...Pay Pal Smart Connect...Overstock Store Card...Lowe's Store Card


Highlighted
Super Contributor
Posts: 5,875
Registered: ‎12-11-2011
0

Re: Ever have trouble choosing .........

I do sometimes. My "go to" card is my cap1 since it earns 1% plus the 50% bonus, but i always want to make sure all of my cards get used at least once a month.
;
Valued Contributor
Posts: 1,673
Registered: ‎11-11-2012
0

Re: Ever have trouble choosing .........

My current "which card" problem arises when buying take out food.   I get 5% (= 6.25% with bonus) using US Bank Cash Plus if the place is coded as a restaurant, but only 1% (= 1.25%) if it is coded as a  fast-food place, in which case it is better to use a 2% Fidelity Amex (or the 1.5% Cap One if they don't take Amex).  If I know in advance which place I am going to, I can look it up on the Visa site, but that is rarely the case (and is far too loser-nerd anyway!).

 

Eventually I remember that even if it say $30, the difference between 1.25% and 2% is about 23 cents, so this is not the most important financial decision I have to make!

Valued Contributor
Posts: 1,524
Registered: ‎08-17-2008
0

Re: Ever have trouble choosing .........

All the time! But it takes about two minutes because I don't want to hold up the line lol

$100K in Credit
Last Credit Card App: 11/16/13
Established Contributor
Posts: 792
Registered: ‎08-30-2011
0

Re: Ever have trouble choosing .........

The next quarter will be even harder. Discover, Citi Forward, US BANK Cash+ all for restaurants AHHH! lol

Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Valued Contributor
Posts: 1,914
Registered: ‎11-17-2012
0

Re: Ever have trouble choosing .........

[ Edited ]

jsucool76 wrote:
I do sometimes. My "go to" card is my cap1 since it earns 1% plus the 50% bonus, but i always want to make sure all of my cards get used at least once a month.

Same problem as the OP sometimes when I'm NOT shopping at JCP Smiley Wink then I always use my JCP card...but at every other store, I stare at my collection, wondering what to do next...especially if Freedom isn't offer 5x back on department stores...

 

But like jsucool76, I'll use the card I haven't used yet for that billing cycle. If all cards have been already used, at this point in time I'd likely grab my Sapphire since I'm so close to the $500 spending. If I already hit the threshold, then I'd do an eeny meenie miny moe on Sapphire, Freedom, or TD Bank Smiley Wink 1x for all of them. Orchard...we won't even go there...

Capital One Quicksilver World Mastercard $20k | JCPenney Gold $10k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $13.7k | Discover IT $14.5k | SavingStar American Express $14.8k | American Express BCE $11.3k

FICOS: EX 756 EQ 735 TU 752 VantageScore 3.0: EX 741 EQ 744 TU 745 Credit Sesame (EX) 748 Credit.com (EX) 792 CapOne (TU) 787 Quizzle (EQ) 749
Valued Contributor
Posts: 1,987
Registered: ‎06-25-2012
0

Re: Ever have trouble choosing .........

If im by myself and paying attention then ill choose a card. Most of the time im with friends or the GF or texting and i just grab whatever is first im my wallet. Same when getting gas.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Frequent Contributor
Posts: 496
Registered: ‎11-13-2012
0

Re: Ever have trouble choosing .........

this sounds to me like youre carrying too many cards.  embrace the sock drawer.


GangnamFICO wrote:

Because the chicks dig it when I throw down the card to the waiter and...it comes in handy if I'm short on cash until payday and need a short spot. AMEX gets the booty, and that's important when you're a Pirate.


Minor vulgarity edit --Rev



Epic Contributor
Posts: 25,517
Registered: ‎10-23-2007
0

Re: Ever have trouble choosing .........


lylesvegas wrote:

I was at the mall the other day and was buying about 150 dollars worth of clothes. I was at the cash register and pulled my wallet out to pay. First thing I think of is what card will give me the best bang for my buck. Then when I see they would all be the same I have to decide. I dont mean to sound foolish but it really took me like 15 seconds to make my decision. Anyone else ever have this problem ?????


Yes except right now I'm not thinking rewards... I'm thinking Approval! I got it wrong today paying for $1 Parking fee! LOL

Fico Scores: EQ- 670., TU 710 Sync, EX 728 SoFi(05/04/15)
I'm just trying to catch up to RON1
95 Cards and Counting Smiley Tongue
Valued Contributor
Posts: 1,174
Registered: ‎05-17-2010
0

Re: Ever have trouble choosing .........

Outside of Nordstrom or Macy's, I usually will use whatever card is in my rotation.  Typically it's 2 cards in the wallet at one time and they each have a week or so.  

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.