Credit Card Center Advertiser Disclosure†
02-21-2013 05:04 PM
everyday- Amex green
big ticket- Amex green
emergency- ? who knows
02-21-2013 05:21 PM
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
02-21-2013 06:11 PM
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
02-21-2013 08:37 PM
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
02-21-2013 10:24 PM
- 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
05-29-2013 06:38 PM
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.
05-29-2013 06:44 PM - edited 05-29-2013 06:44 PM
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.
05-29-2013 07:30 PM
05-29-2013 08:08 PM
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.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.