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How Many Credit Cards do you bring with you at all time?

Frequent Contributor

Re: How Many Credit Cards do you bring with you at all time?


Revelate wrote:

One can hope but there's a vast difference in travelling when one already has the family vs. when one is hoping to establish a family when people in their 40's have deadlines (biological and social).  The albatross isn't a death sentence but it's clearly suboptimal when someone wants you here to see if it works or not rather than a half time penalty... I'm really uncertain from a relationship perspective on timelines between (modern dating) between cohabitating fully or 2 weeks on 2 weeks off.  To be fair if I meet a quality lady who's interested in me and wants full monty, I can always get another job.

 

Thanks for the info on the airport ATM, I assume simple American debit card which is fee favorable or were you doing cash advances off a credit card which I guess might make sense as a use case in this niche?


My father was away for a week at a time for work even before I was born.  But it was a different time when women were more willing to accommodate. 

 

I use atm/debit cards.  I have/had Schwab, JPM or Citigold so all fees are waived.  There are Citibank branches in some European cities -- I know of London and Rome for Citi and Paris for Chase/JPM.  I regularly arrive at foreign countries with less than $100 in my pocket.  It really depends on how out of the way they are, but I would guess as this is work related, you wouldn't be going into isolated locations. 

Message 21 of 68
Moderator

Re: How Many Credit Cards do you bring with you at all time?


tacpoly wrote:

Revelate wrote:

One can hope but there's a vast difference in travelling when one already has the family vs. when one is hoping to establish a family when people in their 40's have deadlines (biological and social).  The albatross isn't a death sentence but it's clearly suboptimal when someone wants you here to see if it works or not rather than a half time penalty... I'm really uncertain from a relationship perspective on timelines between (modern dating) between cohabitating fully or 2 weeks on 2 weeks off.  To be fair if I meet a quality lady who's interested in me and wants full monty, I can always get another job.

 

Thanks for the info on the airport ATM, I assume simple American debit card which is fee favorable or were you doing cash advances off a credit card which I guess might make sense as a use case in this niche?


My father was away for a week at a time for work even before I was born.  But it was a different time when women were more willing to accommodate. 

 

I use atm/debit cards.  I have/had Schwab, JPM or Citigold so all fees are waived.  There are Citibank branches in some European cities -- I know of London and Rome for Citi and Paris for Chase/JPM.  I regularly arrive at foreign countries with less than $100 in my pocket.  It really depends on how out of the way they are, but I would guess as this is work related, you wouldn't be going into isolated locations. 


Correct.  Even as a stupid American I can point to where all the locations are on a globe, so I'm thinking will be fine.  Will see about picking up a feeless debit card, appreciate the heads up!

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


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Message 22 of 68
Frequent Contributor

Re: How Many Credit Cards do you bring with you at all time?

I carry all my cc + 2 debit cards
Message 23 of 68
Member

Re: How Many Credit Cards do you bring with you at all time?

I carry all of my cards since I only have 3 CCs + my debit and could use any of them on any given day.

Scores: TU 773 - EQ 731 - Ex 755 (12/07/17)
Wallet: Capital one quicksilver One $1,500 - Chase Freedom $1,500 - Chase Freedom Unlimited $1,500 - Chase Amazon Prime $1,500 - Amex BCE $4,500 - Amex Everyday $2,500 - Amex Delta Skymiles $6,000 - Amex PRG - Citi DoubleCash $2,500 - Discover it 5% $5,500 -
Message 24 of 68
Established Member

Re: How Many Credit Cards do you bring with you at all time?

I carry all 8 of my cards plus 1 debit card. Don't know why I carry all 8. I just do.

Message 25 of 68
Frequent Contributor

Re: How Many Credit Cards do you bring with you at all time?

I carry 2 CC and my debit card in my wallet and have 5 CC loaded into Samsung Pay.


Current Score: EX 772 EQ 777 TU 783 15 Jan 17
Goal Score: 815 across the board by Jan 18


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Message 26 of 68
Frequent Contributor

Re: How Many Credit Cards do you bring with you at all time?

My Secured Card has been SD for the past few months now, and I just SD my Amex starting this month..

 

I'm losing interest on my AMEX BCE, no growth.. Been asking CLI every month and always decline.

 

Will decide the faith of my Citi Secured this Fall.

________________________________________________________________________________________
Current FICO 8 Scores as of 02/17/17: TU: 687 - EQ: 683 - EX: 649

Cards: Amex Platinum & BCE 1K, Chase Fdm Ultd 1K, Jetblue 11.5K, Quicksilver 5K, Discover IT 9K, PenFed Plat Rwrds 8.5K, Amazon Prime Visa 3K, Citi Scrd 200.
Message 27 of 68
Contributor

Re: How Many Credit Cards do you bring with you at all time?

As of late I carry three: Chase FU, Citi DC, and Discover.  As such I have three different rewards programs, three different issuers, and three different networks covered.

Message 28 of 68
Valued Contributor

Re: How Many Credit Cards do you bring with you at all time?

I keep 5 CCs in my wallet:

1) Discover card

2) AMEX charge card

3) Elan Fidelity Visa card

4) AT&T Universal (Citi) Master card

5) Best Buy store card

Fico 8: .......EQ 850 TU 850 EX 850 (3/2017)
Fico 9: .......EQ 850 TU 850 EX 850 (3/2017)
Fico 4 .....:. EQ 804 TU 823 EX 830 (3/2017) EX Fico 98: 839 (3/2017)
VS 3.0:...... EQ 832 TU 832 EX 832 (3/2017)
Fico 8 BC:. EQ 887 TU 899 EX 900 (3/2017)
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950 (4/2017)
Message 29 of 68
Frequent Contributor

Re: How Many Credit Cards do you bring with you at all time?

BOA for groceries, Chase Freedom for gas, Citi DC for everything else, debit card.


If a man empties his purse into his head, no one can take it from him. An investment in knowledge always pays the best interest. - Benjamin Franklin |Capital One Quicksilver Cash Rewards|Chase Amazon Visa Rewards|BOA Cash Rewards|Walmart Mastercard|Commence MC| Citi Double Cash| Amazon Prime Store Card|Discover It|Chase Freedom|Chase Freedom Unlimited|Amex BCE|Wells Fargo Cash Wise|Barclays Cashforward
$83,300 total card credit FICO Equifax-803, FICO Transunion-791, FICO Experian-771 , DTI-3.4%
Message 30 of 68