Reply
New Contributor
PhoenixDown
Posts: 62
Registered: ‎07-16-2013
0

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

 

 

 

Frequent Contributor
7PM789
Posts: 257
Registered: ‎08-20-2012
0

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 - N.C.F.C.U.M.C. - $5k - Amex Gold - NPSL - Discover More - $7.5k - Sam's Club Discover - $10k -
Walmart Discover - $7.5k - Citi T.Y.P. - $5.5k - Chase Freedom - $2.2k -
W.M.TU-775(July/14/) EQ-726(July/12) EX-753(Jan/13)
Audi, Vide, Tace. . .


Frequent Contributor
_jb_
Posts: 313
Registered: ‎01-16-2013
0

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 EX: ???, myFICO EQ: 678, myFICO TU: 676 (01/2013)
Latest Scores: myFICO EX: 704, myFICO EQ: 702, myFICO TU: 718
My Wallet: Chase Sapphire Preferred, Discover It, NFCU cashRewards, Capital One Quicksilver, Chase Amazon Rewards
Gardening since 02/19/13
New Contributor
WJL
Posts: 56
Registered: ‎06-21-2010
0

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!

PFCU Platinum Rewards Visa Signature $16,500 | Discover it $9,500 | AMEX Zinc NPSL | AMEX BCE $9,000 | Chase Freedom $9,000 | BankAmericard Cash Rewards $6,500 | barclaycard $5,000 | Orchard/Capital One $1,000 | Macy's $1,200
Established Contributor
lithium78
Posts: 929
Registered: ‎07-30-2011
0

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
Established Contributor
shaun2009
Posts: 646
Registered: ‎03-07-2013
0

Re: Whats your combo?

[ Edited ]

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...

Current Credit Cards
| PayPal MC: $7.5K | WalMart MC: $7.5K | Discover IT: $6.5K | USB Platinum: $5K | Sams MC: $5K |
| CapitalOne QS: $1.3K | AmEx TrueEarnings: $1.2K | AFCU Rewards: $1K | USB Select: $1K |

Goal Credit Cards
CapitalOne QuickSilver, Discover IT, Sam's MasterCard
AmEx EveryDay, Chase Freedom, US Bank Cash+
Last Application: 6/23/2014
Regular Contributor
manwoot
Posts: 247
Registered: ‎02-16-2013
0

Re: Whats your combo?

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

AMEX True Earnings (11.5k) || Discover IT (9k) || Chase Sapphire Preferred (6k) || Chase Freedom (5k) || Citi ThankYou Preferred (4.9k) || GE CareCredit (4.9k) || Sallie Mae (4k) || Citi Diamond Preferred (3.4k) || Best Buy (2k) || AMEX Blue Cash Everyday (2k) || Target REDcard (1k)
Valued Contributor
daybreakgonesXe
Posts: 1,828
Registered: ‎11-17-2012
0

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!

Capital One Quicksilver World Mastercard $10k | JCPenney Platinum $7.5k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $25k | Discover IT $9.5k | SavingStar American Express $14.8k

EQ FICO 735 TU FICO 747 Credit Karma (TU) 789 Transrisk 846/990 Credit Sesame (EX) 768 Credit.com (EX) 768 VantageScore 3.0 745
Senior Contributor
Open123
Posts: 4,155
Registered: ‎02-23-2011
0

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.  

Valued Member
mmoon24
Posts: 29
Registered: ‎06-30-2013
0

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 Sapphire Preferred (7/2013): CL - $8,700
Chase Freedom (8/2012): CL - $4,000
Chase Freedom (7/2007): CL - $1,300

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
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+