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What do you ACTUALLY carry in your wallet?

Established Contributor

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
Message 1 of 116
115 REPLIES
Super Contributor

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 Smiley Very Happy 

Message 2 of 116
Blogger

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

Message 3 of 116
Established Contributor

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 Smiley Very Happy 


 


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 4 of 116
Super Contributor

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 Smiley Very 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. 

Message 5 of 116
Frequent Contributor

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....

About 400k in Credit Lines
CSP 29.9k, Citi DP 42.5k, Chase Marriott 12k, Chase IHG 6.5k, Sams MC 20k, Amex Hilton Surpass 356k, Hawaii Air 26k, Discover More 50k, Chase SWA 3.5k, WF PLOC 30k, B of A Visa 43.8k, Wells Plat Visa 8.3k, RC Willey 5k, Pen Fed Visa 43.7k, Pen Fed PLOC 25k, Lowes 25k, CSR 28.8k
Message 6 of 116
Established Contributor

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 Smiley Very 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
Message 7 of 116
Valued Contributor

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 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 8 of 116
Moderator

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 Smiley Happy.  Everything else is for sporadic purchases at this point to keep them active.

 

 

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


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Message 9 of 116
Established Contributor

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 $35K | FNBO Visa $30K | Cash+ Visa Sig $19.5K | Southwest Premier $16K | Priceline $15K | Citi Forward $14.3K | US Bank Plat $14K | Commerce Bank $13K | CSP $13K | CSR $10K | Sallie Mae World MC $10K | Lowe’s Consumer 10K | BoA Cash Rewards 1-2-3 Sig $7.5K | Fidelity Visa $7K | Citi Double Cash $6.5K | WF Cash Back Visa $5.4K | Capital One Cash Rewards $5K | AMEX BCE $3.9K | Freedom $2.5K | Younkers/Comenity $2.4K | Kohl’s 1.5K | Target $1.4K | EX FICO (from AMEX): 768, TU FICO (from Discover): 797, AAoA: 4.4 years
Message 10 of 116