Strategy for Playing Musical Cards

jake619 · ‎11-13-2012

It seems anecdotal evidence has determined PIFfing all but one card is the best strategy. If you have multiple cards would it be beneficial to rotate the non-PIF card? With three cards each would report a balance 4 times per year yet would have purchases that the creditor internally would see.


GangnamFICO wrote:
Because the chicks dig it when I throw down the card to the waiter and...it comes in handy if I'm short on cash until payday and need a short spot. AMEX gets the booty, and that's important when you're a Pirate.

Minor vulgarity edit --Rev

Cageym · ‎07-31-2012

I don't know how beneficial it is but I rotate which card I leave something on every month. If for no other reason than to show use on the all cards.

What's in my wallet: Cap1 MC $5K NFCU Sig Visa $20k Amex Zync NPSL Delta Gold $6k BCE $2k Citi Simplicity $5450 Prioriity Select Visa 5.9K
Starting Score: 5/2010 550-ish
Current Score: 4/30/2013 TU 800 4/30/2013 EQ 793 1/04/2013 EX(USAA) 779
Goal Score: 800

bettercreditguy1 · ‎02-11-2012

I do not watch or track how many cards have balances reporting. However, I do use my sock drawered cards every three or four months. When doing so, I allow one of my prime cards to have a break. I usually have three or four report monthly incluidng the joint cards with my wife. My wife and I have mostly separate credit files except our auto loans and two credit cards. Her Fico scores are above 800 with no mortage and mine in the siggy below.

Starting scores 01/ 02/2012 EQ 707 TU 733 EXP 735 (FAKO)
Updated scores 05/01/2013 EQ 761 TU 780 EXP 788 (Exp. equivalency)

Remember the Three P's: Pay early in Full, Pay on Time, Patience

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Strategy for Playing Musical Cards

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Re: Strategy for Playing Musical Cards