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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 ?????
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!
The next quarter will be even harder. Discover, Citi Forward, US BANK Cash+ all for restaurants AHHH! lol
@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 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 1x for all of them. Orchard...we won't even go there...
this sounds to me like youre carrying too many cards. embrace the sock drawer.
@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
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.