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How do you manage your multiple card accts?

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ptkdude
Regular Contributor

Re: How do you manage your multiple card accts?

I use a spreadsheet to track my accounts, which includes:

Date Opened

Current Balance (updated several times each month)

Credit Limit

Bill Date (the number of the day, i.e. 27 for the 27th)

Due Date (similar to Bill Date column)

Current % Utilization (highlights in yellow if over 10%, and red if over 30%)

Amount that is 30% Utilization

Amount that is 10% Utilization

Payment required to get to 30% and 10% utilization

Last Payment amount

Last payment date

Minimum payment due

Date of last statement

Balance on last statement

Current APR

Total CC balances

Total Credit Limit

Overall Utilization

 

I also have a piece of it that calculates my own personal minimum payment, which is:

1/5th of the statement balance + any interest accrued on the last statement + the statement minimum payment

 

Once the online account manager has updated with the new statement, if I cannot send all of my calculated minimum payment, I send at least the statement minimum payment.  Usually with my next paycheck I'll make up the difference.

Message 11 of 12
laz98
Senior Contributor

Re: How do you manage your multiple card accts?

i use a couple of excel files, i use mint.com, i bookmark all of my account login pages...Smiley Happy

 

i started using pageonce about 2 weeks ago, but so far, i'm not impressed.  i'll be honest:  i don't know if it's because you have to pay to get better features, or i'm just not using it to its full potential.  but if i can only get real updates once a day (without having to refresh 30+ accounts individually), then i'll stick with mint.

Message 12 of 12
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