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Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

What do you ACTUALLY carry in your wallet?

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.

 

 


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Senior Contributor
jsucool76
Posts: 3,390
Registered: ‎12-11-2011
0

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.

 

 


I carry my cap1, my WF, my walmart, and my paypal debit card since it is linked to PPSC :smileyvery-happy: 

Blogger
HiLine
Posts: 2,945
Registered: ‎10-19-2012
0

Re: What do you ACTUALLY carry in your wallet?

Discover More in case I need to buy something online.

Another credit card that offers at least 1% cash back on every purchase.

A debit card in case I need cash.

 

Only 3 "money" cards

Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Re: What do you ACTUALLY carry in your wallet?

btw for your Walmart account you should call for a CLI. Call 877 379  8173 direct line to GECRB's underwritters. People are getting insane increases I went from 600 to 2500 in 1 call, people have gone from 1,000 to 10,000 and it's a soft check.


jsucool76 wrote:

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.

 

 


I carry my cap1, my WF, my walmart, and my paypal debit card since it is linked to PPSC :smileyvery-happy: 


 


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Senior Contributor
jsucool76
Posts: 3,390
Registered: ‎12-11-2011
0

Re: What do you ACTUALLY carry in your wallet?


distantarray wrote:

btw for your Walmart account you should call for a CLI. Call 877 379  8173 direct line to GECRB's underwritters. People are getting insane increases I went from 600 to 2500 in 1 call, people have gone from 1,000 to 10,000 and it's a soft check.


jsucool76 wrote:

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.

 

 


I carry my cap1, my WF, my walmart, and my paypal debit card since it is linked to PPSC :smileyvery-happy: 


 


I went from 500 to 800 a week ago or something. I was afraid to ask for more since my card is only 2 months old. 

Regular Contributor
Bay_Area_Joe
Posts: 243
Registered: ‎10-05-2012
0

Re: What do you ACTUALLY carry in your wallet?

This month I am carrying my Citi Diamond Prefered MC, and my personal Debit, I also have my Wells Fargo Business Visa always with me.

No need to carry more than one personal CC at a time, clutter is bad.  Always rotate cards based on statement closing dates....

$ 197,650 IN TOTAL CREDIT LINES.
MyFICO EQ 777 on 9/3/13 , MyFICO TU 787 on 9/3/13, MyFico EX Score 771 on 8/27/13
Pen Fed Visa 19k, Pen Fed LOC 20k, Citi Hilton Honors 15k, Chase Sapphire Preferred 19.9k, Citi MC Diamond Preferred 12.2k, Chase Marriott PR Sig Visa 12k, Chase Priority 5k, Sams Discover 20k, Amex Hilton Surpass 2k, BofA Hawaii 5k
Discover More 16.25k, Chase Southwest Visa 3.5k, Wells Fargo LOC 10k,
B of A Visa 20k, Wells Plat Visa 6.7k RC Willey 5k Discover IT 4k AMEX TE 2k
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Re: What do you ACTUALLY carry in your wallet?


jsucool76 wrote:

distantarray wrote:

btw for your Walmart account you should call for a CLI. Call 877 379  8173 direct line to GECRB's underwritters. People are getting insane increases I went from 600 to 2500 in 1 call, people have gone from 1,000 to 10,000 and it's a soft check.


jsucool76 wrote:

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.

 

 


I carry my cap1, my WF, my walmart, and my paypal debit card since it is linked to PPSC :smileyvery-happy: 


 


I went from 500 to 800 a week ago or something. I was afraid to ask for more since my card is only 2 months old. 


lol my card was 2 months old and only used it ONCE the night before I requested a CLI, I asked for $5,000 got $2,500 lol


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Re: What do you ACTUALLY carry in your wallet?

+1 on the walmart thing. i didnt use that number but went from 800 t0 3k. 

 

believe it or not i need to slim down my wallet. 

as of right now or starting tommorrow i will only carry.... 

 

Amex Zync

Citizen's Mastercard

Chase Freedom

Citizen's Debit Visa

BoA Debit 

 

All other's are sd. 

Macy's 
Best Buy

Kohls

AE

Walmart

i only take these out when i actually plan on going to the store. 

i shop like a guy. 

get in 

get stuff 

get out. thats it. 

Current: Discover Fico 689 9/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Moderator
Revelate
Posts: 9,181
Registered: ‎12-30-2011
0

Re: What do you ACTUALLY carry in your wallet?

Regularly: Zync, BOFA 1-2-3, and that's sorta it actually besides $20 which I had to start carrying again... cash-only diner that has most excellent food :smileyhappy:.  Everything else is for sporadic purchases at this point to keep them active.

 

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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Established Contributor
andre181
Posts: 626
Registered: ‎07-29-2010
0

Re: What do you ACTUALLY carry in your wallet?

  1. Wells Fargo debit card
  2. Discover More
  3. US Bank Cash+
  4. Amex BCE
  5. Amex PRG
  6. Target Redcard

BoA Cash Rewards 123 is kept in my car as it is ONLY used for gas when gas is not 5% on Discover.

Discover IT $24K | FNBO Visa $20K | Citi Forward $12.5K | US Bank Cash+ Visa Sig $10K | Priceline/Barclays $10K | Amazon/Chase Visa Sig $8.3k | Citi ThankYou Preferred $6.5K | BoA Cash Rewards 1-2-3 Sig $7.5K | Sallie Mae World MC/Barclays $5K | Capital One Cash Rewards $5K | Commerce Bank $5K | WF Cash Back Visa $3.6K | Amazon/GEMB $2.5K | Younkers/Comenity $2.4K | AMEX BCE $2K Target $1K | AMEX Green
EX FICO (from AMEX): 754, TU08 FICO (from Discover): 755, AAoA: 3.6 years

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