What is you strategy for using your credit cards?

[thelethargicage]

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@Anonymous wrote:

Amex OBC $4,000 "groceries"

Amex BCP $500  "groceries"

Citi DCB, Amex FIA, Barclay Rewards $5,250 "groceries"

Sallie Mae $250 "groceries"

Citi DCB $2,000 "other general services"

Cap1 QS $1,000 "other general services"

plus the regular household spend on Citi DCB or Amex FIA, gas on Sallie Mae

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Damn, you must have a huge "family".

[Anonymous]

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@thelethargicage wrote:

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@Anonymous wrote:

Amex OBC $4,000 "groceries"

Amex BCP $500  "groceries"

Citi DCB, Amex FIA, Barclay Rewards $5,250 "groceries"

Sallie Mae $250 "groceries"

Citi DCB $2,000 "other general services"

Cap1 QS $1,000 "other general services"

plus the regular household spend on Citi DCB or Amex FIA, gas on Sallie Mae

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Damn, you must have a huge "family".

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Or they own a baskin robbins franchise.

In any case. It's interesting to see the different strategies.

[Anonymous]

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@thelethargicage wrote:

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@Anonymous wrote:

Amex OBC $4,000 "groceries"

Amex BCP $500  "groceries"

Citi DCB, Amex FIA, Barclay Rewards $5,250 "groceries"

Sallie Mae $250 "groceries"

Citi DCB $2,000 "other general services"

Cap1 QS $1,000 "other general services"

plus the regular household spend on Citi DCB or Amex FIA, gas on Sallie Mae

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Damn, you must have a huge "family".

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Well, it's only 2 birds, 1 is red and 1 is blue ;-)

[jm1991]

Amex Blue Sky- Any amex deals that pply to the card/ cellphone/ general purchases

Bank of America BBR: any bank of america deals for restaurants or stores

Bank of America Cash rewards: Gas, Groceries only

Marriott: Restaurants/Marriott

Ritz Carlton: Restaurants/Marriott also airlne tickets and expensive gadgets 

these two i use for the same but i usually use the RC card unless i dont want something going on the statement before it cuts, i use the marriott card then. 

[longtimelurker]

Discover Miles, Fid Amex, NASA: Amex gift cards

OBC: Actual groceries and drig stores, + gas

Cash Plus: Vet + Cell phone

Citi Forward: Dining, Amazon

Everything else: Discover Miles, or if not accepted, Double Cash

[Anonymous]

I'm quite embarassed to say I dont have a stragedy in place...but then again I've never had any cards with rewards. Prior to joining myfico, my wallet consisted of:

Barclay Mastercard $1750

Capital One Platinum $2250

capital One (prev Orchard Bank) $750

Capital One $750

First Premier $425

Since joining myfico, my wallet now consist of the previously mentioned, in addition:

Barclay Ring $500

PenFed Promise $17,000

PenFed Rewards $5,000

[deltatee]

Sallie Mae: 5% groceries, gas, and Amazon 

Amex TE: 2% dining, 1% Costco 

Discover It: 5% rotating categories, most non-Amazon online purchases through Discover Deals

Venture One: misc.general spend

Amazon Visa: balance transfers.   

[ACsteel]

1. Primary CC for daily uses, this one has a reward system that fits the majority of my spending habits.
2. One back up card for an emergency balance transfer or traveling with no foreign transaction fees.
3. Lastly my first CC ever kept for nostalgia, AAoA, and if anything another emergency balance transfer.

[takeshi74]

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@Anonymous wrote:

What is you strategy for using your credit cards?

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Strategy is pretty simple -- maximize rewards.  Your post is actually about tactics.

[Anonymous]

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@takeshi74 wrote:

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@Anonymous wrote:

What is you strategy for using your credit cards?

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Strategy is pretty simple -- maximize rewards.  Your post is actually about tactics.

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Yes, you are right.

Thank you guys for sharing your tactics. I may be supposed to get a Sallie Mae for grocery purchases like some of you guys do, although I'm not a student any more.