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.
Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 733, TU 724 (05/01/2013), EX Credit Sesame 725 (05/08/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Bronze Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 4.2k, Kay Jeweler's 5.1k
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.
Starting Score: 686 TU / 683 EQ 01/17/2013
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.
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.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
>> About myFICO
