12-30-2012 01:44 AM
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
Did you mean you got declined over a buck?
12-30-2012 02:29 AM
I thought I was the only one! I have to think which is going to give me the best rewards... and what are the statement dates so I don't end up with a balance posting that I don't want. (That has happened because I was so close to the stmt date when I used the card.) I try not to use a card within a week of the statement date, except for the ones that I let a bal report, which are Navy and my 2 Amex. Usually I end up just using my Navy because I feel badly having the cashier wait with their hand out and sometimes there are people in line behind me.
It's kind of ironic because 2 yrs ago, I had ZERO credit cards, so there was no choice. It was my debit card, and that's it.
12-30-2012 05:21 AM
I recently had this problem when buying gas, and then later that day when shopping for a pair of new sneakers. My problem though, is that I now carry around my PRG Amex, my Discover More card, my Chase Southwest and then like 2 of my NFCU cards, plus my debit. Sadly enough, it got so frustrating sitting at the pump that I just swiped my debit card instead. A couple of posts ago, someone said something that made total sense to me. They carry 2 cards around at any given time. I think I will do that now.
And to think, I was just online yesterday looking for a new wallet to hold all of the plastic. I don't need that kind of headache. I don't exactly want to look like a card junkie either in front of co-workers and friends....
12-30-2012 06:07 AM
Right now I'm torn between Discover and CSP for eating out b/c Discover is offering 5% cash back between January and March while I am trying to meet my spend requirement for my CSP bonus. I think I'll spend enough to meet my bonus first and then move to Discover until the quarter ends.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.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.
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.