everyday- Amex green
big ticket- Amex green
emergency- ? who knows
I find it hard to manage more than 3 cards. I end up forgetting which card to put which purchase on and it becomes a chore to keep track of all the accounts. Kudos to those of you who can do it!
Everyday - Depends on bonus category, otherwise 1% goes on Chase Freedom (my highest CL)
Big Ticket - Amex for ease of claiming purchase protection and other benefits if I ever need to
Emergency - I dunno
I don't have any non-retail credit cards right now besides a secured card... But...
Everyday: Chase Amazon. (It's the best cash-back card I have right now.)
Big Ticket: Sears Mastercard (The one and probably only real reason to seriously use this card is to take advantage of some very nice deferred interest offers.) and Amazon Store Card (when deferred interest from Amazon is needed)
Emergencies ONLY -- DCU, Old Navy Visa, Walmart Discover
Everyday: CSP for Dining, Travel and UR Mall Purchases
Big Ticket & Everything Else: United Club (after first 10k)
Emergencies: BofA Privileges, just in case something happens with Chase or I need an EMV chip
- Daily spending - CSP for dining, travel, UR Mall and SPG for everything else.
- Big Ticket Items - SPG (Initial 10K on Ritz card)
- Emergency - HSBC Premiere
Hey long time lerker, learned a lot of great little tidbits on the site... much knowledge here. Well today I decided to jump in and get my feet wet with my first post.
So here's an Ice Breaker of a question to you all.
What's your go-to Card for each of these Categories
Everyday Card: the Card you use for Everyday basic Purchases (Grocery Store, Clothing, Drug Store, Restaurants, Pay Bills with, Buy Gas, Transit Fares, etc) and you Pay it in Full Every Month.
Big Ticket Card: the Card you use for Big Ticket Purchases (Furniture, Electronics, Appliances, Repairs, Vacations, Uncle Sam Payments, Christmas Shopping, Etc) anything you may need to carry a balance on or charge more than $3K on it at one time.
Emergencies ONLY / Credit Reporting Purposes ONLY: these Cards are Open Lines but Dormant / Not In Use Cards...You rarely touch these cards if EVER!.....They're only Open to Serve your Credit Report (Average age of Accounts, Debt to Credit Ratio)
Everyday - Discover Card
Big Ticket - Citi Thank You Preferred
Emergency / Credit Reporting ONLY - Capital One Plat (Oldest Card, still with only 1K Credit Limit, LOL), Philly Credit Union Visa, Citi Platinum Select, Amazon Rewards from Chase.
Chase FreedomAMEX PRG
Big Ticket Card: Barclays Rewards World MC / PSECU Visa
Emergencies ONLY / Credit Reporting Purposes ONLY:
Discover IT (Strictly because of lack of CLI's)Chase Freedom
Discover IT is on SD duty.
Everyday: CSP / Freedom (for the 5% categories) / Citi TYP / Cash+ / Discover (only if shopDiscover gives a much better cashback rate). Varies on what I'm trying to buy.
Big Ticket: CSP / Citi TYP / Cash+ / Discover (shopdiscover feature)
Emergency: Wells Fargo for situations where I ever decide to accrue a balance and get charged interest.
Credit Reporting: All cards. Most of my cards have reported high balance of >90% util ratio.
Chase Freedom and Discover It are my everyday workhorse cards. Nice rewards all around. Can't wait till the 5% gas rewards for the Discover starts in a few days.
Big ticket cards? I don't really do big ticket purchases on credit... That's always been a "cash only" thing for me.
My other three cards have all been sock drawered since I'm paying them down, so I guess you could consider those my emergency cards.