Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011

Re: What do you ACTUALLY carry in your wallet?

I went from carrying a million cards around to only a select few. Keeps the urge away to charge other cards.


Now I only carry:


Chase Freedom (1) Main card

Discover More (2) Backup card

Walmart Discover (3) Just in case card


I shredded up my CAP1 card today! It felt soo good! Account is still open but I totally killed the card. More room in my wallet!


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)

Established Contributor
Posts: 772
Registered: ‎08-02-2008

Re: What do you ACTUALLY carry in your wallet?

I carry:


1. Citi Forward (primary for 5% restaraunts)

2. Priceline Visa Sig (2% everywhere for all other purchases)


Everything else is SD unless there is a 5% category or other promotion that makes sense (for ex I called to cancel my Citi Premier card and was given an offer for 10k points after 3k spend in 3 months). Doing the math it yeilds me greater points per dollar than my Priceline Visa Sig so I will be using it for the next 3 months or until 3k. Also, I use TY points only for Student Loan rebates for the time being which nets me the greatest return for my TY points.

FICO: EX: 743 (10/14); TU: 758 (9/14); EQ 721 (9/14)

In My Wallet: Amex X 5 | Barclays X 3 | BOA X 1 | CapOne X 3 | Chase X 3 | Citi X 7 | DCU X 1 | Discover X 1 | Fidelity X 1 | Fifth Third X 1 | Macys X 1 | PenFed X 1 | PSECU X 1 | Sams Club MC X 1 | Target RedCard X 1 | USAA X 2 | US Bank X 1 | Walmart X 1 | Wells Fargo X 1 = 36 Cards

Holding off apps until the end of the year! Wish me luck!
Established Contributor
Posts: 2,112
Registered: ‎09-25-2011

Re: What do you ACTUALLY carry in your wallet?

CSP go to card for non-category & Travel

BCP 6% groceries 3% gas 3% department stores

Citi Forward 5% restaurants and movies amazon

Freedom 5% categories


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Frequent Contributor
Posts: 275
Registered: ‎06-05-2011

Re: What do you ACTUALLY carry in your wallet?

1. Drivers License

2. Student Photo ID

3. Health Insurance Card

4. Multi tool

5. Library card

6. Discover More (Main Card)

7. Citi Dividend (Back up)

8. NFCU Cash Rewards (Back up to the back up)

9. USAA Debit Card

10. Dust where cash would go.

Scores: TU - 758 (Discover FICO - 12/31/2014), EQ - 758 (Citi FICO - 12/23/2014)
Current Cards: Amex BCE - 10k, NFCU cashRewards Sig - 5k, Discover It - 5k, Citi Dividend WE- 5k, Chase Freedom - 4k
Last App: 6/10/2014. In the garden for a few years.
Established Contributor
Posts: 552
Registered: ‎09-28-2012

Re: What do you ACTUALLY carry in your wallet?

Bofa signature cash rewards

Us Bank cash rewards,


all other cards sd.   Thinking about getting an Amex card to add. 

TU 715 No apps to 05/13 cash+ 5/13!!! 738 TU CSP April 13!!!CSP approved May 13!!!

Regular Contributor
Posts: 127
Registered: ‎07-26-2010

Re: What do you ACTUALLY carry in your wallet?

What I carry is dictated primarily by my business travel (am a points freak):


1.  Amex BCP:                                      6% groceries, 3% on gas (great card, $725 cash back this YTD)

2.  Chase Marriott Reward Visa:           Marriott hotel stays (company policy in certain areas), overseas due to 0% FTF

3.  Citi AA Executive MC:                      Admirals club membership, overseas due to 0% FTF, Chip and Sig, AA tickets and wherever Amex isn't accepted.

4.  Amex PRG:                                      Everything else including most business exp/.month, free extra cards for my family.

5.  USAA Debit card:                             No ATM fees, 1% cash overseas


Interestingly, most Hitlon Hotels don't require me to present my Hilton Amex (No Fee) card I use to book my rooms with, so I use it a lot but never carry it.

Also, cards 1 - 4 all have annual fees, but I compare what I get vs what I spend and I get more from the card than it costs me.

SD has everything else (too many) including those with 0% Bal Transfers I utilize when needed.

Starting Score: TU 699 EQ 651 EX FAKO 705
Current Score: TU 724 EQ 714 EX FAKO 770
Goal Score: 760

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