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Discover, Wells Fargo Visa, United Explorer Visa (I have the United Club Visa now but I may go back to the Explorer), Amazon store card
My CapOne Newcomers ... has no AF and was my first card in the USA. Keep it for the time being.
All of the cards in my siggy have specific roles to fill and thus see active usage, with the exception of Kay Jeweler's. That one does, indeed, sit in my SD. I got it during my rebuild to boost my util. But I only use it about once or twice a year; last year it came out to buy a watch battery and a present for my DD. Since it has no fee, I'll keep it open so long as I can find some use for it on the rare occassion.
As far as my personal use goes, there are two cards in the list that don't stay in my wallet, but in those of other family members who are AUs. My DH has the WF card as his high limit card, and my DD has the Cap1 card with the small limit. My copies of those cards are also in the SD, but I actively monitor the accounts.
NFCU NRewards Master Card - I have a $24.95 subscription that gets charged to it monthly, but I don't carry the card.
Citi TY Preferred - Just got it, but I do not carry it. Another one with a montly subscription on it (iPad) data plan.
Walmart
American Eagle
American Signature
Abercrombie and Fitch
Shop NBC
Barclays Apple
Amex Zync
Amex Corporate Card - Until I start traveling again for the job in a few weeks.
Dillards
Discover More - Have a montly subscription on that one too. Stopped using the card last month for gas.
Orchard bank
Barclays(use them for 0% transfer only)
ASB(local bank that after 3 years refuses to unsecure me)
BoA.(just went in Monday)
@SpeedingWheels wrote:So, whats in YOUR sock drawer?
The only ones socked right now are the two retail cards. Sears, because the limit is such a joke, and Penneys because it's not back to school shopping time.
The rest of the cards see some use; My wife uses the USAA Visa for her reimburseable work expenses, and runs her personal spening through the Cap1 cash. I rotate between the Zync, USAA Amex, and Chase depending on statement date, and have auto payments for things like TV and gym on the Orchard.
I decided a while back that I would aggressively pursue PC and CLI until all of my cards were useable.
FSU CU MasterCard
Walmart Store
Citi Forward
AMEX Zync
Chase Freedom
Soon-to-be: Discover IT...I'm just using it now because it's "new," but with the joke of a limit it has, it's going in the SD after the next statement cuts.
Will probably put the Citi Dividend in the SD once my new Cap1 gets here...I mainly have it in my wallet because it's my only MasterCard with a decent limit, but I'll probably start alternating between it and the Cap1 card since they finally decided to stop treating me like a kid. I just have it for the sake of having a MC, just in case.
Technically, I only carry cards right after the bill cuts. Then, I put those up when my next group of cards issue their statements. The Kroger 123 rewards card is the only card I will probably never use again in my life. It has a fantastic balance transfer offer, so I do use it for that. But, it will never again see the inside of my wallet.
I haven't carried my Citi Forward because I'm taking advantage of the 0 percent introductory rate and I need to pay if off before I use it anymore.
@FloridaState12 wrote:FSU CU MasterCard
Walmart Store
Citi Forward
AMEX Zync
Chase Freedom
Soon-to-be: Discover IT...I'm just using it now because it's "new," but with the joke of a limit it has, it's going in the SD after the next statement cuts.
Will probably put the Citi Dividend in the SD once my new Cap1 gets here...I mainly have it in my wallet because it's my only MasterCard with a decent limit, but I'll probably start alternating between it and the Cap1 card since they finally decided to stop treating me like a kid. I just have it for the sake of having a MC, just in case.
I have heard with the DIscover card that it will increase nicely with usage. Being new with them I charged $790 to the card and then paid it off a few weeks later, but this is just the first month of having the card, so no real personal knowledge of it's habits yet. I am going to use it though to make sure I have the best possibility of getting a good limit with them. I like their rewards and I actually kinda like the fact that I have a Discover card after all. Maybe one day it will hit the sock drawer when I have much better cards. But for now it is that card and the Freedom card mostly for me.
@lithium78 wrote:CapOne Platinum. I really should cancel this card because it is useless.
You should PC it to something better.