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Whats your combo?

New Contributor

Re: Whats your combo?

Here's my combo:

  • Discover (for 5% on rotating catagories) | Have
  • Chase Freedom (for 5% on rotating catagories) | Have
  • Chase CSP (for 2 points on the Dining out and maybe Travel) | Want
  • Amex Costco (Ave Age of Accts and becuse I do shop a lot here) | Want
  • Amex BCP (Gas, Supermarkets, Dept Stores) | Want
  • Walmart (TU FICO only) | Want
  • Citi ?? (my unicorn + I was a AU on a citi card since I was 16). | Want

 

 

 

Message 31 of 51
Frequent Contributor

Re: Whats your combo?

My signature with the following additions

- Penfed Cash Rewards Visa
- U.S. Bank Cash +
- Chase Freedom
Amex B.C.E. - $2.5k - Amex Everyday - $5k - N.C.F.C.U.M.C. - $5k - Amex Gold - NPSL/35k P.O.T. - Discover It - $12k - Sam's Club M.C. - $10k -
Walmart M.C. - $7.5k - Citi T.Y.P. - $10k- Chase Freedom - $5k - Chase Marriott - $7.4k - U.S. Bank Cash + - $6k -
W.M. TU-781(Jan/15) Citi EQ-782(Dec/14) EX-782(Oct/14)
Audi, Vide, Tace. . .
Message 32 of 51
Frequent Contributor

Re: Whats your combo?

I'll play. My preferred lineup:

 

Discover It (5% categories, notably fuel and restaurants)

AmEx BCP/E (6%/3% groceries, 3%/2% fuel when not 'in season' with 5% categories)
Chase Freedom (5% categories, notably fuel and restaurants)

Chase Sapphire Preferred (2% Travel, 2% Dining when not 'in season' with 5% categories)

 

I will pick up the Freedom and BCP early-mid next year, as I have no real reason for them right now due to my work situation (plus I expect a nice score bump over the next couple of months), and anything picked up after that will be strictly for signup bonuses.



Starting Scores: myFICO EQ: 678, myFICO TU: 676, myFICO EX: 678 (01/2013)
Latest Scores: myFICO EQ: 789, myFICO TU: 782, myFICO EX: 788
My Wallet: American Express BCE, NFCU cashRewards, Capital One Quicksilver, Discover It, Chase Freedom, Chase Amazon Rewards
Gardening since 02/07/17
Message 33 of 51
New Contributor

Re: Whats your combo?

@daybreakgonesXe

 

Can you share what number you called and your convo with Cap1 to get your limit increased? I have the same card that started at $500 and is currently sitting at $1,000. I was contemplating getting rid of it b/c I never really expected the card ever get a large limit since Orchard told me it was a card to help people build credit, but if I can get to where you are, I'd be happy to keep it! Thanks in advance!

Message 34 of 51
Established Contributor

Re: Whats your combo?

I use two cards in heavy rotation: BOA 123 Cash Rewards Visa and Discover it. I also have a Walmart Discover which I use about once a month to keep it active (and use sparingly otherwise because the rewards are terrible) and a no-rewards, no-fee Cap One Platinum that I keep hanging around for AAoA. I don't really need more credit at this time and I don't spend enough to make something like CSP cost effective.

Starting Score: TU: 566
Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800

Take the FICO Fitness Challenge
Message 35 of 51
Established Contributor

Re: Whats your combo?


lithium78 wrote:
I use two cards in heavy rotation: BOA 123 Cash Rewards Visa and Discover it. I also have a Walmart Discover which I use about once a month to keep it active (and use sparingly otherwise because the rewards are terrible) and a no-rewards, no-fee Cap One Platinum that I keep hanging around for AAoA. I don't really need more credit at this time and I don't spend enough to make something like CSP cost effective.

Nice combo ... i just have the urge to have 1 type of each card .... im still debating to cut the Sapphire out my wallet totally because its a what if card... i dont dine in restaurants often or travel often to put it to frequent use so i would say any other rewrads card could handle either of those since i dont do them that often to lower my overall card wallet after that i just want one of each type of card.... Amex, Discover, Visa, Visa Signature and Mastercard the Mastercard i have already its the QuickSilverOne but i think i would want to talk to Cap1 about getting it w/o an AF...Because i prefer to have the MC but i dont want to be stuck with the annual fee forever...

CH7 Filed (3/29/17) - 516 EQ, 517 TU, 483 EX -- Discharged (5/31/17) - 538 EQ 501 TU 559 EX
PenFed CLOC $500 - NFCU nRewards $2k - Merrick $800 - CreditOne $700 - VS $250 - Overstock $250 - KingSize $250 - Macys $5.8K (AU) - AmEx $1k (AU)
Message 36 of 51
Regular Contributor

Re: Whats your combo?

My combo is similar to OPs.  It's in my signature.

AMEX True Earnings (14k) || Discover IT (10k) || Chase Sapphire Preferred (6k) || Chase Freedom (6k) || Citi ThankYou Preferred (6.3k) || GE CareCredit (4.9k) || Citi Double Cash (4.9k) || Sallie Mae (4k) || Best Buy (2k) || AMEX Blue Cash Everyday (2k) || Target REDcard (1.5k)
Message 37 of 51
Valued Contributor

Re: Whats your combo?


WJL wrote:

@daybreakgonesXe

 

Can you share what number you called and your convo with Cap1 to get your limit increased? I have the same card that started at $500 and is currently sitting at $1,000. I was contemplating getting rid of it b/c I never really expected the card ever get a large limit since Orchard told me it was a card to help people build credit, but if I can get to where you are, I'd be happy to keep it! Thanks in advance!


I actually didn't call any number, but e-mailed the CEO of Cap One. I'll PM you the e-mail address, since it is not to be posted publicly in the forums! And I'd be happy to PM you a sample e-mail as well!

 

Also, if you happen to have a Facebook, you can also message them with the same information! The social media team are very efficient and quick to escalating your concerns! Good luck!

Message 38 of 51
Super Contributor

Re: Whats your combo?

Here's what I use.

 

1.  SPG - all domestic non-bonus spending.

2.  JPM Ritz - all Ritz, personal airline, and forex spending.

3.  Sapphire - all dining, except abroad where I'll use the Ritz or HSBC Premier.

4.  Ink Plus - all cellphone, gas, and business travel.

5.  BCP - Groceries and GCs (some for charity auctions, buy for friends & associates, and personal use).

6.  Blue for Business - all non-bonus business spending.

7.  Amex Bus Platinum - for benefits and some oversees vendors.

 

That's about it.  Wish I could boil it down to just 4.

 

I have other cards which are remnants of a sign up bonus of some kind, e.g., Discover, US Cash+, and Barclay cards.  These cards get very little use, if any at all.  For shopdiscover, I use my SPG.  For US Bank Cash+, just PC'ed from Flexperks.  And, the Barclays are all sign-up bonuses, which I'll purge once the 6 month clawback period has passed.  It sounds great in theory to use the 5% cash cards, but I never use them.  For simplicity's sake, I just may end up closing all the cash cards.

 

Since I CreditScholar observed some good value redemptions in SE Asia, I may add some Hilton cards, in which case I'd probably cancel the BCP.  

Message 39 of 51
Valued Member

Re: Whats your combo?

Chase Freedom: 5% on rotations and 10 + 10 on other purchases.

Chase CSP: Dining/Travel

AMEX BCP: 6% back on Groceries, and 3% on gas when Freedom isn't in season

 

All I need to complete the set is a hotel card. Though I plan to get that at a much later date.

Current Cards:
AMEX Blue Cash Preferred (5/2013): CL - $9,900
Chase Freedom (7/2013): CL - $8,700
Chase Freedom (8/2012): CL - $7,000
Chase Freedom Unlimited (7/2007): CL - $3,300
US Bank Cash+ (04/2015): CL - $5,000
Chase Sapphire Reserved (01/2017): CL - $14,000
Message 40 of 51