Weird habits? Uh... Sometimes I color the edge of my cards lol.
The Sallie Mae gets a nice splash of red. I think it goes faster?
And the Disco Check card gets a hit of black on the edges.
p.s. the Disco Checking card is the lowest quality card I have ever had. It looked like it was thoroughly used before I even removed the sticker. There were still tags from the front film hanging off of it...
@bada_bing wrote:I would say that the majority of adults in the USA, even among those who have credit cards, do
not understand how the grace period and interest float works. All you have to do is listen to
***Dave Ramsey go on tangent railing against credit cards and FICO scores on the radio to understand
how low the level of knowledge is. I'd say the majority of people equate credit cards with debt absolutely
and don't understand any advantage to them other than borrowing money.
***Not that I'm anti Dave Ramsey in general, but his rantings on FICO and credit cards are absolutist ignorance.
Your post sums up a conversation I recently had. My brother told me he does NOT ever want a credit card b/c all you are doing is borrowing money and paying interest. It is as if some people think there is no way around paying interest on cards. I explained how I used my Discover card and Discover Deals for purchases, paid it off, will pay $0 in interest, and used my credit card to make $140 last month.
Sorry OP for getting off topic. So my weird habit was years ago when I used cards that had no rewards and actually paid interest each month 
@Anonymous wrote:The credit cards I choose was for unorthodox reasons. I look at the whole package which includes customer service, rewards, benefits, the network it is on and even how shiny it is
The three credit cards that I have:
Amex Blue Cash - Mostly used for in store purchases and online transactions
Barclaycard Ring - Online purchases, backup card for amex and used for emergenices. This card basically replaced my debit card
Citi Double Cash - Mostly bills, but also used for big expenses such as car repairs and medical bills
If you look face value, I am getting good rewards with the citi card and getting 3% for groceries for the amex and thats it. I would be better off with discover, chase freedom, us bank cash +, huntington voice etc..
If you look deeper each of those credit cards pull a different credit bureau. For example Amex pulls Experian, Barclay pulls Transunion and Citi pulls Equifax. And all three credit cards also happen to offer free fico scores
I have the credit cards staggered out so that one is due on the 1st, 15th and 22nd (when I get a fourth I will make its due date on the 8th). This gives 2 months float at any given time. That is something I dont see people do very often. I make online puchases and gas purchases with the credits with that have best customer serivce not based how much rewards I get as you see above. There is a very good reason for it. They are more risker and therefore have a higher chance of my credit card getting stolen. I much rather deal with amex or barclay then citibank.
I am thinking about getting Captial one Quicksilver Visa. The main reason is simple fact I want a visa as I dont have one and you change the credit card design to whatever you want. I will probably use it just for fastfood and dining out. Logically, I should use a huntington voice (the main problem it is a mastercard and I have two already) or usbank cash+ (I hate the design)
I'm not sure if that's still the case in the age of chip cards. If that's part of your reasoning, I'd check first. And if you're looking for a card for restaurants/fast food specifically, you hit the nail on the head with Cash+ (or Chase AARP or The Golden 1 CU if you're in CA). For someone who's worried about staggering payment dates etc, I can't believe you'd let the aesthetics keep you from 2/5% or 3% as long as you're going for a new card. But the thread IS weird CC habits.
My problem with my Cash+, Freedom, SM, and Lowe's is that they're all near the same blue and hard to differentiate. And while I don't carry all my cards, I do usually carry these AND I carry them in the less-frequently-used section of my wallet so they're all with each other. I'm happy that my EDP, PRG, Disco, and RC all look different. Those are the ones in my main section currently. So yeah, there's my weird one I suppose.
And I just remembered the other blue card. It WAS the Amazon Visa, but I closed it. As someone else said, I do like the colored edges on different cards to tell them apart. I never would have thought to color them. I may start with the SM.
@Anonymous wrote:
@Anonymous wrote:The credit cards I choose was for unorthodox reasons. I look at the whole package which includes customer service, rewards, benefits, the network it is on and even how shiny it is
The three credit cards that I have:
Amex Blue Cash - Mostly used for in store purchases and online transactions
Barclaycard Ring - Online purchases, backup card for amex and used for emergenices. This card basically replaced my debit card
Citi Double Cash - Mostly bills, but also used for big expenses such as car repairs and medical bills
If you look face value, I am getting good rewards with the citi card and getting 3% for groceries for the amex and thats it. I would be better off with discover, chase freedom, us bank cash +, huntington voice etc..
If you look deeper each of those credit cards pull a different credit bureau. For example Amex pulls Experian, Barclay pulls Transunion and Citi pulls Equifax. And all three credit cards also happen to offer free fico scores
I have the credit cards staggered out so that one is due on the 1st, 15th and 22nd (when I get a fourth I will make its due date on the 8th). This gives 2 months float at any given time. That is something I dont see people do very often. I make online puchases and gas purchases with the credits with that have best customer serivce not based how much rewards I get as you see above. There is a very good reason for it. They are more risker and therefore have a higher chance of my credit card getting stolen. I much rather deal with amex or barclay then citibank.
I am thinking about getting Captial one Quicksilver Visa. The main reason is simple fact I want a visa as I dont have one and you change the credit card design to whatever you want. I will probably use it just for fastfood and dining out. Logically, I should use a huntington voice (the main problem it is a mastercard and I have two already) or usbank cash+ (I hate the design)
I'm not sure if that's still the case in the age of chip cards. If that's part of your reasoning, I'd check first. And if you're looking for a card for restaurants/fast food specifically, you hit the nail on the head with Cash+ (or Chase AARP or The Golden 1 CU if you're in CA). For someone who's worried about staggering payment dates etc, I can't believe you'd let the aesthetics keep you from 2/5% or 3% as long as you're going for a new card. But the thread IS weird CC habits.
My problem with my Cash+, Freedom, SM, and Lowe's is that they're all near the same blue and hard to differentiate. And while I don't carry all my cards, I do usually carry these AND I carry them in the less-frequently-used section of my wallet so they're all with each other. I'm happy that my EDP, PRG, Disco, and RC all look different. Those are the ones in my main section currently. So yeah, there's my weird one I suppose.
And I just remembered the other blue card. It WAS the Amazon Visa, but I closed it. As someone else said, I do like the colored edges on different cards to tell them apart. I never would have thought to color them. I may start with the SM.
1) Cap1 now allows pictures on the chipped cards.
2) What trips me up is my Cash+ and Discover both have an orange core. The Citi DC has blue top, but the core is blue. Freedom has a unique green core. You might be able to request the racing Lowes card design. It is black with a white core.