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Established Contributor
Posts: 720
Registered: ‎09-30-2014
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what's in your wallet? 2015 edition.

[ Edited ]

What cards are in your lineup for 2015? Which have you benched? Who are you cutting?

Starting Lineup
1. Chase freedom ( rotating category)
2. Sallie Mae (grocery, gas, amazon)
3. BofA cash rewards with preferred( gas, grocery)
4. BofA travel rewards with preferred(everyday spend)
5. Chase IHG (hotel)

Bench
1. Amex everyday
2. US airways
3. Barclay's rewards MasterCard
4. Alaska air visa Sig business
6. Citi double cash
7. Walmart cc
8. Lowe's
9. Penfed promise
10. Lake Michigan prime platinum.

Cut
1. Amex BCP
2. Amex PRG
3. Amex BRG
4. Amex SPG
5. Chase CSP
6. Arrival +
7. Home depot cc


Seedling:
Valued Contributor
Posts: 1,126
Registered: ‎05-08-2007
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Re: what's in your wallet? 2015 edition.

No plans for any new cards; just hope to stay under the radar with all the new CL I have added over the past 18 mos; will probably be cutting some Cap1 cards when AF comes due; not cutting any others unless they CLD me.......worked too hard to get'em

Regular Contributor
Posts: 180
Registered: ‎08-08-2014
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Re: what's in your wallet? 2015 edition.

Going to keep it simple this year. Plan on apping for SM and potentially Arrival + (if I have a flight planned) in the second half of 2015, we'll see.

 

 

Wallet:

-Amex BCP (Gas, Groceries, Dept Stores)

-Citi DC (everything else)

 

Bench:

-All others

-Did carry Amazon Visa and PNC Cashbuilder (1.5% cashback) in 2014

FICO Scores (4/4/15): EQ: 748 TU: 777 EX: 778
My Cards:
Amex BCP $25k (March '14) | Cap1 QS $8k (Oct '07) | Arrival + WEMC $10k (May '15) |
PNC CashBuilder Visa Sig $8k/NPSL (March '11)
PNC Points $1k (June '07 - First card at 19) | MB Financial MC $3500 (May '13) | Chase Amazon Visa Sig $6k/NPSL (April '09) |
Macys $1200 (Nov '12) | Citi Double Cash $9k (Jan '15)
Valued Member
Posts: 32
Registered: ‎07-29-2014
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Re: what's in your wallet? 2015 edition.

BCP

Dbl Cash

Freedom

 

BCE soon, wife got a targetted offer for $200 + free Prime last week.

Frequent Contributor
Posts: 264
Registered: ‎07-02-2013
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Re: what's in your wallet? 2015 edition.

Currently just have my EDP, Plat, and one non-AmEx card in my wallet. We'll see about the Plat after I meet the spend requirement for bonus MR

$140K+
Established Contributor
Posts: 806
Registered: ‎07-12-2013
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Re: what's in your wallet? 2015 edition.

Wallet

NFCU cashRewards - ED card

Chase Marriott - Met 2k spend bonus, use it for dining occassionaly since I don't have a dining card yet, AARP is on my shortlist

Chase Freedom - Rotating categories, no APR on it for a while Smiley Happy

NFCU goRewards - had a 2k spending bonus I just met, moving to bench soon

Best Buy card - just in case I need a spontaneous purchase at BBY

 

Bench

Capital One Plat (will try to get rewards added on by EO)

Capital One QS1 (will try to get AF waived this year or hopefully permanentely, probably closing one of these)

Overstock (use it as needed with OS, was happy I got a SCT to work lol)

 

Cut

I cut a bunch of cards in late 2014 (AAFES Star Card, Merrick, NFCU nRewards (secured)

Leaning toward cutting the QS1 if I can get the Cap1 Plat PCed into QS1, since QS1 has a lot lower limit and an AF.  It does has a lower APR than the Plat but I always PIF now...

Oz

AU:
Current FICOs [03/08/2017]: EQ 708 | TU 738 | EXP 718 | Past FICOs: [06/2013]: EQ 573 | TU 585 | EXP 541 |
Regular Contributor
Posts: 212
Registered: ‎01-20-2014
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Re: what's in your wallet? 2015 edition.

Lineup
1. Chase Marriott (It looks cool)
2. Sallie Mae (grocery, gas, amazon)
3. Citi DoubleCash (Misc.)
4. Capital One Quicksilver (Misc. DoubleCash Limit too low)

Bench
Everything else

Established Contributor
Posts: 798
Registered: ‎09-10-2014
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Re: what's in your wallet? 2015 edition.

In wallet;

 

Chase CSP

Chase Freedom

Chase Marriott Rewards (when it arrives)

Citi DC

Amex BCE

Discover IT

 

 

Cards that I do not carry;

 

PayPal Extras MC

Chase Amazon Rewards

NASAFCU Visa Platinum

Barclay Sallie Mae World MC 

US Bank 123 Rewards 

 

 

Small re-occuring charges on Paypal MC / Chase Amazon / US Bank / NASAFCU.  Wife carries Sallie Mae and uses at grocery, but annoyed with pathetic small cap.

 

If I were going to close any cards, it would be the following;

 

PayPal Extras MC (5k CL)

NASAFCU Visa (30k CL)

Chase Amazon (1.5k CL) 

Barclay Sallie Mae MC (5k)

US Bank 123 Rewards (5k)

 

However, I will just keep doing what I am doing to pad my file.  The NASAFCU is good for utilization, but I only let one card report so there is really no need for the utilization help.

 

Future plans is to PC BCE to BCP and use exclusevly at grocery store - I will then put Sallie Mae in SD and use only for Amazon.com purchases.  May close Amazon.com Rewards as well.  US Bank 123 Rewars is worthless to me, but I keep just to have relationship with US Bank.

 

            FICO Scores: EQ: 779 TU: 798 EX: 772
Valued Contributor
Posts: 1,912
Registered: ‎07-16-2013
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Re: what's in your wallet? 2015 edition.

Currently carrying:

 

CSP

Sallie Mae

Delta SkyMiles

UNFCU Azure

Fidelity Amex

Established Contributor
Posts: 551
Registered: ‎12-18-2011
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Re: what's in your wallet? 2015 edition.

Wallet: citi double cash & discover IT
Benched: amex blue cash everyday (used only by AU)
Recycling bin/Canceled: capital one quicksilver (good ribence) for IMO, capital one is not adapt in handling the high end/prime market!



"having a credit card is nice, but having cash in hand will always be king"

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