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What's in your wallet/purse, which 5 cc's would you choose

Frequent Contributor

What's in your wallet/purse, which 5 cc's would you choose

Including bank cards and credit unions, [you may even include store credit cards that you cannot live without] which 5 cards would you have if you had 750+ scores and can have any card you wish.  I am curious to know which cards are myfico members favorites.  I'll start:

 

NFCU Platinum MC

American Express Blue

Discover

Chase Freedom

Home Goods [don't know who issue this card]

 

What about you, what are your Favorite 5?

 

 


Starting Score: EQ 729, TU 752, EX ? (1/1/2011)
Current Score: EQ 696, TU 718, EX 686 - PSECU (5/17/2011)
Goal Score: ALL 800+ by December 31, 2011

Take the FICO Fitness Challenge
PROUD MEMBER OF THE 700 CLUB!
Message 1 of 39
38 REPLIES
Regular Contributor

Re: What's in your wallet/purse, which 5 cc's would you choose

What I carry currently:
AmEx Blue Cash
AmEx Green Charge
Citi Forward
Capital One Bank Debit Card
Chase Continental Debit Card

I have 750+ scores, but anyway, if I had a choice of the cards I'd pick:
AmEx Centurion Smiley Happy
and
Chase Freedom, for places that don't take AmEx. 
Current Cards:
American Express Blue Cash Preferred - March 2007 - CL $10,000
Citi Forward Visa Signature - September 2009 - CL $6,500
Chase Freedom - March 2011 - CL $15,000
Chase Sapphire Preferred - May 2013 - CL $12,500
Discover It - November 2013 - $5,000
Barclay Arrival - January 2014 - $10,000
Message 2 of 39
Senior Contributor

Re: What's in your wallet/purse, which 5 cc's would you choose

If I had to pick 5 of my accounts and give everything else up, it would be:

NFCU Visa  (after combining my MC CL to Visa)

USAA MC  (after combining my AMEX CL)

PSECU Visa

Addison Visa 

toss up between PenFed & BoA Visa

 

This means I would have to give up

 

Alliant

PenFed or BoA

CapOne x2

Discover

Misc Store/Gas cards (Macy's, Home Depot, Firestone, Rooms to Go, etc)

Care Credit

NFCU NAVcheck (if I couldn't keep an LOC in addition to 5 cc's)

 

Smiley Happy

 

 

 

Message Edited by txjohn on 01-26-2010 07:46 AM

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Message 3 of 39
Regular Contributor

Re: What's in your wallet/purse, which 5 cc's would you choose

What I currently carry:

 

Citi AAdvantage MC

BofA Debit card

Chase Debit card (moms card for her purchases)

Macy's

 

If my scores were 750+ (my wish list cards)

 

PenFed Visa

Amex Green

Filed BK 07/07/15 Discharged 10/07/15
Starting scores 11/2015 EQ 567 TU 487 EX 531
Current scores 02/2017 EQ 649, TU 642, EX 651

Cap 1 QS 5000 Cap 1 QS 6500, PenFed Promise 2500, NFCU GoRewards 8000 NFCU CLOC 4000
In the garden until 2018
Message 4 of 39
Valued Member

Re: What's in your wallet/purse, which 5 cc's would you choose

I would keep my three favorites:

 

 Nordstrom Platinum Visa

 Chase Amazon Visa

 Express Store Card

 

and add an Amex Zync (bc lets face it, its way prettier than green or gold Smiley Wink And maybe a good travel rewards card like Discover Miles.



Current Score: EX:688--TU:681--EQ:677 (1/30/14)
Goal Score: 750

Message 5 of 39
Epic Contributor

Re: What's in your wallet/purse, which 5 cc's would you choose

I carry:

Business Gold Amex

Toyota Visa

Macy's Visa

Dillards American Express

and a few Debit Cards for personal and business 

Message 6 of 39
Frequent Contributor

Re: What's in your wallet/purse, which 5 cc's would you choose

I am very surprised that AmerEX isn't at the top of everybody's list.  I've thought that if you qualify for an AmEX, then more people would jump to the opportunity...next to CU's Smiley Wink  What is the difference between all the AmEX cards and Discover cards? 

Starting Score: EQ 729, TU 752, EX ? (1/1/2011)
Current Score: EQ 696, TU 718, EX 686 - PSECU (5/17/2011)
Goal Score: ALL 800+ by December 31, 2011

Take the FICO Fitness Challenge
PROUD MEMBER OF THE 700 CLUB!
Message 7 of 39
Regular Contributor

Re: What's in your wallet/purse, which 5 cc's would you choose

What I currently carry:

 

AMX Gold                                                                                                                                                                                                            

Discover More

Citi Charter

Sears MC

Lowes

EQ 7/19/13 796
TU 04/29/13 784
EX 06/17/13 849
28 years credit history
17 years AAoA

CIT $15,900 BEST BUY $11,800 DISCOVER $10,000 LOWES $10,000 SEARS/MC $7,200 BELKS $5,700 JC PENNY $2,400 CHASE $5,900 AMX GOLD PR $NPSL AMX/BCP $11,200 SHELL/CITI/MC $80.00 (LMAO)
Message 8 of 39
Senior Contributor

Re: What's in your wallet/purse, which 5 cc's would you choose

Amex used to be on top of list.  

 

I had American Express Green Card  for 20 and used it for most everything every month.  I paid it on time.   I got behind on other credit cards, and they dropped me like a stone.  

 

Amex is now on the bottom of the list. 

 

 

 

 

 

 

Message 9 of 39
Regular Contributor

Re: What's in your wallet/purse, which 5 cc's would you choose

My Top 5 credit cards would be:

 

(1) Chase Freedom (Top 3 categories each month)

(2) AMEX True Earnings Costco (dining and gas)

(3) Discover More (whatever the 5% category is for the quarter and online shopping)

(4) Ameriprise World Elite M/C (travel)

(5) HSBC Weekend M/C (whatever I don't get 3% or 5% on then I charge it here for 2% on the weekends)

 

I would have to give up

 

Alliant

Amex Blue Cash

Chase Marriott

Citi AMEX

Macys

Lowes

Best Buy

 

Message 10 of 39