Credit Cards

[kekrre]

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koalablue wrote:
I carry Chase Freedom, CSP, United Club Visa, also Amex PRG, BCP and SPG. Right now I mainly use the CSP so I can get the 40,000 points if I spend 3000 in 3 months.

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Do you mind me asking how you justify the annual fee? Just curious because that totals up to $805/yr in fees. You would need to have significant spending on dining, United, gas, groceries and Starwood to make it worth it, I would think.

[CotySinz]

Well I'm not much of a cash carrier, in fact I HATE carrying cash so I have this nifty wallet: http://www.acmwallet.com/6-card-wallet/all-silver-acmrwallet

I keep all 6 slots full for ease of access, it's easy to 'cross thread' the cards persay but I have to say I do love this wallet it's the only one I will own for the foreseeable future and I like the fact it's RFID protected.

What I keep in it:

1: License

2: Debit card

3: Chase Freedom

4: Amex Green

5: Walmart store card

6: Best Buy store card

C1 is sockdrawred right now and if I had a Discover it would replace the Best Buy card since it's C1 also cause I don't very much like them at the moment. Lol.

[CreditScholar]

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kekrre wrote:

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koalablue wrote:
I carry Chase Freedom, CSP, United Club Visa, also Amex PRG, BCP and SPG. Right now I mainly use the CSP so I can get the 40,000 points if I spend 3000 in 3 months.

---

Do you mind me asking how you justify the annual fee? Just curious because that totals up to $805/yr in fees. You would need to have significant spending on dining, United, gas, groceries and Starwood to make it worth it, I would think.

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I pay more than that in AFs and it's worth it for me. It really depends on your spending patterns and travel needs.

[HiLine]

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CreditScholar wrote:

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kekrre wrote:

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koalablue wrote:
I carry Chase Freedom, CSP, United Club Visa, also Amex PRG, BCP and SPG. Right now I mainly use the CSP so I can get the 40,000 points if I spend 3000 in 3 months.

---

Do you mind me asking how you justify the annual fee? Just curious because that totals up to $805/yr in fees. You would need to have significant spending on dining, United, gas, groceries and Starwood to make it worth it, I would think.

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I pay more than that in AFs and it's worth it for me. It really depends on your spending patterns and travel needs.

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Your credit card portfolio looks like that of a big spender 

[CreditScholar]

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HiLine wrote:

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CreditScholar wrote:

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kekrre wrote:

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koalablue wrote:
I carry Chase Freedom, CSP, United Club Visa, also Amex PRG, BCP and SPG. Right now I mainly use the CSP so I can get the 40,000 points if I spend 3000 in 3 months.

---

Do you mind me asking how you justify the annual fee? Just curious because that totals up to $805/yr in fees. You would need to have significant spending on dining, United, gas, groceries and Starwood to make it worth it, I would think.

---

I pay more than that in AFs and it's worth it for me. It really depends on your spending patterns and travel needs.

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Your credit card portfolio looks like that of a big spender 

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Well it depends on how you define big spender, but yes I do spend a fair bit on my cards every month.

[koalablue]

For most of those cards its the first year and the fee is waived or discounted.  I may not keep all of them.  The Amex PRG is the only one I'd seriously consider getting rid of though, and I'm not sure I'll do that.  I fly United at least once a month so all the perks that come with the Club Visa and the 1.5 miles per dollar for any purchase and 2 miles per dollar for United purchases are worth it to me.  The BCP I use at the supermarket for the 6% cash back on groceries.  The SPG I use for points on hotel stays since I already have enough Mileage Plus miles for a big trip - I wanted a card that was geared more towards hotel stays.  The CSP I got partly for the 40000 point bonus if you spend 3000 in the first 3 months.  I'll probably keep it though since its a good all-around card and I can use points for miles or hotel stays or gift certificates or a bunch of other things.

[mj85]

1 debit, 1 credit, 1 gas card.

[bluesnowman]

1.)Driver License

2.) Kaiser Card

3.) BOFA Cash Rewards (Gas)

4.) AMEX PRG (Shopping and more higher end places)

5.) Citi Forward (Food, movies, phone bill, subscriptions.)

6.) Discover More (5% categories, and shopdiscover) 

And an assortment of other business cards (sometimes, the places I go to eat are pretty good, so I keep a card just in case I ever want to go back again.) and some cash (I dont want to go crazy and put all my spending on CC's.) 

[ObeyJohnny12]

i only carry my

1. Chase Freedom

2. Amex Green

3. Discover More

4. Wells Fargo Debit.

The rest are SD. (:

[daybreakgonesXe]

Welp, on top of my previous list, i FINALLY have my Chase Sapphire in my wallet...Visa Signature!!! Looks great, so cool! Only qualm is as soon as I pulled off the activation sticker, I scratched the surface and all the cool paint flaked off in one area -_- not the end of the world though, just frustrating that I had it in my hands for like 2 seconds and already I messed it up! XD