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Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
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Re: What do you ACTUALLY carry in your wallet?

^LMAOO dying. It's so pretty you won't carry it?? You need a murse (a man purse)

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Frequent Contributor
Posts: 434
Registered: ‎05-16-2012
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Re: What do you ACTUALLY carry in your wallet?


distantarray wrote:

Not the ones that are sock drawered. I don't like a over cluttered wallet, but I do have a woman's style wallet that holds my sock drawered cards.

 

 

USAA debit card 1% Foreign Transaction fees and 5 free atm withdraws from any ATM in America. Can also transfer money from my Chase or BOA account immediately with the app if needed. (I only keep $500 in here so if someone steals it they won't get much)

 

Chase Sapphire 0% Foreign Transaction fees, 2 to 1 on travel and dining and nice shopping rewards mall which can get upto 20% discount on rotating items. and the sign up bonus was quite nice.

 

Amex BCP for 6% groceries, 3% gas and department stores.

 

---------------------

 

now next cards that could enter my wallet is

 

Amex Platnium cause I want the conserige service, free global entry, free club access at airports, free room upgrades etc.

US Cash +  for 5% off restaurants and 5% off on Bill pay.

 

 


Chase Freedom (primary)

USAA Amex (just in case)

two debit cards in case I need cash, one is a co-op network card so I can use it at any CO-OP credit union atm, 7-11, etc.. ...  .. 

Lender Pull (11/3/12) FICO EX: 740 EQ: 680 TU: 702

NFCU VISA $17,500 / USAA AMEX $7,200 / USAA AMEX $4,000 / USAA VISA $4,000 / CHASE FREEDOM $3,000 / Lowes $2,500 / CarCareOne $1,800
Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
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Re: What do you ACTUALLY carry in your wallet?


maiden_girl wrote:

^LMAOO dying. It's so pretty you won't carry it?? You need a murse (a man purse)


lol it's as man as it can get, it's just all black my excuse is it's RFID secured lol, it stays in my car with my other debit cards, I should just go to the local banks and ask for a ATM card just incase someone steals it out of my car =\ since I can just transfer funds if I want with phone apps.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
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Re: What do you ACTUALLY carry in your wallet?


marco_salinas wrote:

I usually have my wallet, debit card, credit cards and ID....


The post is supposed to be about which credit cards are in your wallet :smileytongue: 


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Established Contributor
Posts: 869
Registered: ‎07-04-2012
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Re: What do you ACTUALLY carry in your wallet?

I want a couple of cards real bad to complete my "deck" but need time to pass by before applying ...

I have my wallet in front of me as I write this and as of now, this are the cards I currently carry in it:

 

-Amex BCP: 6% groceries, 3% gas, 3% dept. stores, 1% everything else.

-Citi Forward: 5% restaurants (fast food), 5% bookstores (amazon), music stores, video rental stores and movie theaters, 1% everywhere else.

-Citi Dividend: 5% rotating categories, 1% everything else.

-Discover IT: 5% rotating categories, 1% everything else.

-Boa Cash Rewards: 3% gas, 2% groceries, 1% everything else.

...

-Walmart: some use intended for CLIs + 1% everything.

-Barclays: just to give it some use.

-Amex Zync: No use at all.

 

So, here are my combos:

 

Gas: 3% BCP

Dept. Stores: 3% BCP

Groceries: 6% BCP

Going out: 5% Forward

Rotating Categories: 5% Dividend + 5% Discover

Everything else: 1% BCP

 

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
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Re: What do you ACTUALLY carry in your wallet?


CruzImperial wrote:

 

 

-Amex BCP: 6% groceries, 3% gas, 3% dept. stores, 1% everything else.

-Citi Forward: 5% restaurants (fast food), 5% bookstores (amazon), music stores, video rental stores and movie theaters, 1% everywhere else.

-Citi Dividend: 5% rotating categories, 1% everything else.

-Discover IT: 5% rotating categories, 1% everything else.

-Boa Cash Rewards: 3% gas, 2% groceries, 1% everything else.

 

 

Gas: 3% BCP

Dept. Stores: 3% BCP

Groceries: 6% BCP

Going out: 5% Forward

Rotating Categories: 5% Dividend + 5% Discover

Everything else: 1% BCP

 


Why do you keep the BOA cash rewards around? =O seems like BCP destroys that card by far , looks like sock drawer material to me :smileyhappy:

also no Chase Trifecta? :smileyhappy:    (chase checking, sapphire, freedom) combined together the benefits are quite nice.

 


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Valued Contributor
Posts: 1,960
Registered: ‎08-13-2007
0

Re: What do you ACTUALLY carry in your wallet?

Easy and best for rewards based on how I spend.

 

1. USAA World Master Card.

2. Amex Blue Cash Everyday.

3. PenFed Cash Rewards Visa.

4. Cap One (Green) Cash Rewards Visa.

5. Target Visa.

 

This combo works well for me.

Ray

** Every Card has a Job, and Every Card does its Job **

Senior Contributor
Posts: 6,276
Registered: ‎08-16-2012
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Re: What do you ACTUALLY carry in your wallet?

Lol I don't carry all of my 18 or so cards with me cause I'd hate to lose all of that credit haha :-P

Maidengirl!!! Checks don't pay cash back!!! Lol :-) I haven't written a check in ages! Lol I keep a mental ledger of my purchases. Haha
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
Posts: 1,157
Registered: ‎10-15-2011
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Re: What do you ACTUALLY carry in your wallet?

I mostly use my Household Bank Rewards MasterCard as it has good rewards and no AF.  (However, it is basically a toy limit.)

I also use my Barclays Reward MasterCard some times as it also has no AF and the rewards are OK, but a bit confusing.  They do offer some promotions at times.

 

I don't use my Capone card.  You can read all you want about them to figure out why!

 

 

 

 

 



Rethink every purchase you make, before you make it. Use the card with the best rewards. Pay in full each month. Redeem rewards often. Use the cards online shopping for more discounts. Smile, knowing that being thrifty allows you to actually get more out of the same amount of money!
Established Contributor
Posts: 1,040
Registered: ‎02-27-2012
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Re: What do you ACTUALLY carry in your wallet?

I'm game:

 

Chase Sapphire Preferred World Mastercard

Chase Slate Visa(soon to be Freedom next month)

American Express Blue Cash Everyday

Discover More Orange

BoA Susan G. Komen debit card(ya I'm a guy carrying a pink card)

Target Red Card debit

CardSharp knife

License

AMEX: $0/$25,000, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$6000, Barclays NFL: $0/$7000 Discover: $0/$14,000, Citi Dividend: $0/$3500

EQ FICO - 728
TU FICO - 743
EX FICO(AMEX) - 712
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