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How many credit cards do you actually use?

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GetTheFico
Regular Contributor

Re: How many credit cards do you actually use?

AmEx BCE - gas & groceries (soon to be replaced by Sallie Mae)
Chase IHG - Hotels
Discover it - 5% categories
Barclay Arrival - everything else

So 4/6 cards see regular use
EQ: 780
EX: 767
TU: 779
Message 21 of 69
L-TWT
Established Contributor

Re: How many credit cards do you actually use?

Since I stopped chasing rewards, I now only use my BCE, Quicksilver when Amex not accepted/international travel!


Message 22 of 69
aubie1kenobie2
Frequent Contributor

Re: How many credit cards do you actually use?

3/8, and a 4th card has a BT currently at 0%.


Starting Score: No credit history in July 2013, 663 in August (lender pulled)
Current Score: 773 (Discover FICO), 749 (DCU EQ)
Ultimate goal: Buy a house in 2016!
Message 23 of 69
Boragard
Established Contributor

Re: How many credit cards do you actually use?

I actively use 5 of 9 cards in my siggy on a regular basis, the other4 are sock drawered.  

Message 24 of 69
Blueprint83
Established Member

Re: How many credit cards do you actually use?

Damn i really need to check the descriptions more when the select categories are active. Had no clue fast food was included in the Restaurants. My kids luv happy meals...i missed out on all those points/cash.

Barclay SallieMae Rewards World MC $4.5K ***** CapitalOne QuickSilver One MC $4.5K ***** Citi Double Cash World MC $3.7K ***** Discover IT $2.5K ***** Chase Freedom $2.2K ***** Amex BCE $2.K ***** Chase Amazon Rewards $1K ***** Wells Fargo Platinum $1k ***** Macy's Store $2.5K ***** Walmart Store 2.3K ***** GameStop Power Up Rewards $1k ***** Amex Green Gone ***** Citi Diamond Preferred PC'ed
Message 25 of 69
eagle2013
Established Contributor

Re: How many credit cards do you actually use?

I use BCP, CSP, and Freedom (5% restaurants) regularly now.

WF, BofA, Discover, Nordies (glorified store card) are SD. Citi TYP will most likely experience the same fate after I get the bonus (already met).

Message 26 of 69
SnackTrader
Valued Contributor

Re: How many credit cards do you actually use?

I use my Capital One, Amex, and Citi all year long. Chase Freedom when the bonus category is gas, and CSP is brand new but is expected to be used for the $3,000 required spending. Since the Arrival ended its useful run, I PCed to a different Barclays card and will not likely use that card very much. So, in my case 5/6 for the next few months, and then 4/6 after that. 

 

 

Great thread!


In My Wallet: Amex BCP (12/12) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015
Message 27 of 69
mattmix36
Contributor

Re: How many credit cards do you actually use?

I use six every month for normal purchases:

 

Everyday spender: Chase United MiliagePlus Club Signature Visa

Gas: Penfed Cash Rewards Plus Platinum Visa

Grocceries: AMEX Platinum

Cell Phone/Cable/Internet: Chase Ink Cash Signature Visa

Hotel: Chase Marriott Signature Visa (I typically stay at Marriotts 2+ times/month)

Military Base Purchases: Chase Officers Club MasterCard (typically we go to the OClub once or twice a month/also good to use at the BX/PX)

 

I also use two other cards per month:

Discover Cashback Rewards: If I'm buying in the revolving category

NFCU Flagship rewards Visa Signature: I typically MS on this card quite a bit (x2 w/ DW's card) for reduced/free airline tickets


My Wallet: AMEX Platinum | Citi AAdvantage Exec $20k | Chase Marriott Rewards Premier $12k | United MileagePlus Club 8k | FNBO $25k | Chase Military Officers Club $9k | Discover IT $5.5k | BankAmericard $30k | PENFED Platinum Cash Rewards $10.5k | Barclay Rewards $6.15k | USAA AMEX $15k | USAA MC $16k | NFCU Flagship Rewards $25k | Logix $15k | Chase Ink Cash $12k | Paypal MC $5k | Walmart Discover $5.4k | Chase Freedom $2k | Sallie Mae $2k | Target RedCard $300 | JP Morgan Ritz-Carlton Rewards $5k | BoA Alaska $1k

Message 28 of 69
dabossman
Contributor

Re: How many credit cards do you actually use?

i Currently have 7 i use 5

 

Sallie Mae Grocery / gas / amazon

Amex BCE, overflow on gas, and shady merchants cuz amex has my back

Discover it, gonna buy my mom some stuff from BBB

Chase Freedom everything right now till i hit min spend

cap one qs normal everyday buys

BOA Better Balance Reward - will be using for netflix for 3 months and see if that gets me the rewards, otherwise i'll spend 20ish a month on it

 

Wells fargo- never use, its lame

Amex Clear, might close but i like the idea of keeping the amex open

 

Mouse over for Limits, Sorted Oldest to Newest
Message 29 of 69
bada_bing
Frequent Contributor

Re: How many credit cards do you actually use?

I carry, in order of monthly spend

BCP

Sallie Mae

Freedom

 

They stay in the SD but get monthly charges

Alaska Air visa - I spend about $600 a month on airfare, pays some utilities.

Ink Cash - $200 a month on cell-internet-cable, about $500 a month side business spend.

 

USAA - pays car insurance every 6 months

+ 850 FICO8 since 2015, Thanks MyFICO - 5+ years since last HP
Message 30 of 69
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