10-23-2012 10:42 AM
11-29-2012 08:58 PM
11-29-2012 09:15 PM
Amex BCP (6% groceries, until cap kicks in)
PenFed Plat Rewards (5% gas, 3% groceries for after BCP cap)
US Bank Cash Plus (for drug store and restaurants, other 5% category is bill pay, not done from wallet!)
Fidelity Amex (2% where nothing else applies)
Cap One No Hassle Cash (1.5% when Amex isn't accepted)
Debit/ATM cards from Everbank, Capital One Banking and BoA
TIAA ATM card
Not carried but used online:
Bank of Scotland Visa Debit (sterling chip and pin)
Citi AA (Amex and Visa)
Amalgamated Bank M/C
11-29-2012 10:49 PM
All the cards in my siggy are in my wallet. Usage details:
TD Bank Easy Rewards: 5x on groceries, gas, restaurants, and utilities until Feb 1st.
Orchard Bank Secured Card: Used once a month on a small purchase to keep it looking active
Chase Freedom: Use for it's 5x categories, but this quarter is a no-go for it so I use it for the 1% cash back on all my "other" purchases that don't utilize TD's categories
JCPenney Platinum Credit Card: ALWAYS use at JCPenney! Every $100 = $10 off coupon for next month, up to 10 coupons a month!
Shell Drive for Five: Use at Shell station once a month to keep it active
Also have my TD debit card, ATM card, and GACU ATM card, along with my Target Debit redCard for when I pop into Target and want that instant 5% off
Then of course my license, student ID, miscellaneous reward cards, JCPenney discount card.
11-30-2012 07:47 AM - edited 11-30-2012 07:48 AM
I'm proud to say that Capital One is no longer in my wallet now that I have a CSP.
Chase Sapphire Preferred -- everyday spending + bills
Walmart Store -- gas (15 cents off/gallon) or Sam's Club since they don't take Visa
Discover More -- just in case I happen to make a purchase that can get 5% back, or if I'm at Sam's Club since they don't take Visa, or ShopDiscover
Amex Blue Cash Everyday -- for those rare occasions I'm buying gas or groceries somewhere other than Walmart
Target REDCard -- maybe used once or twice a year, but better to hold it all the time than miss out on 5%
Chase Visa Debit -- used only for ATM deposits/withdrawals. I'm thinking about having them issue me an ATM-only card and just keeping this one at home in case of emergency.
Everything else is [RF]ID or loyalty cards, but most of those are in my phone. I would carry my Freedom card to use on smaller purchases, but it's the one card that's carrying a (0% promotional) balance; I was still using it for a while with Blueprint Full Pay (and thus avoiding interest while carrying the balance) but it got too complicated to keep track of. With the way Chase is always sending me 0% access checks, my Freedom basically acts like a Slate.
11-30-2012 08:27 AM
Right now all spending goes through CSP. I'm trying to get that bonus!
Chase Sapphire Preferred (dining/travel)
Chase Freedom (5% bonus, everyday spending for 10% + 10 bonus point)
Amex BCE (3% groceries, 2% gas when freedom doesn't cover either)
Ally Debit Card (Free atms everywhere!)
11-30-2012 08:33 AM
11-30-2012 08:42 AM
hmm ill update:
Citizen's Bank Credit Card-5% on gas and groceries until jan 1% on everything else (will be pc'd to other card for 3% on most used category and 1% on everything else)
Chase Freedom-5% categories
Amex Zync-Amex Charge Card
BOA and Citizens Debit Card.
every other card is sd unless i go somewhere specifically like best buy, walmart, kohls etc...
|Current: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13)|
Starting total revolving credit: $2600 | Current total revolving credit: $21,600
Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012
|Amex Zync(Unicorn) |
11-30-2012 10:17 AM
Literally in my wallet right now:
Mohegan Sun Players Card (Went last week, forgot to take it out)
Pawtucket Credit Union Debit Card
WalMart Store Card
Starbucks Gold Card
Ball so hard.
|Current: EQ FICO 664, TU FICO 683, EX FICO 698 | Starting Score: 525 (05/2012)|
Starting total revolving credit: $1100 | Current total revolving credit: $7000
Inquiries (12 Months): EQ 3 TU 2 EX 2 | Most Recent: 1/8/2013
|AMEX Gold NPSL|
DCU Visa $2000
Cap1 Cash Rewards $2000
BOA Platinum $600
11-30-2012 10:42 AM - edited 11-30-2012 10:43 AM
Captial One Secured Card
Three store rewards cards (CVS, Walgreens, and American Eagle)
Medical Insurance Card
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