Re: What do you ACTUALLY carry in your wallet?
10-21-2012 11:35 PM
^LMAOO dying. It's so pretty you won't carry it?? You need a murse (a man purse)
FICO scores: 677 (EQ) 664 (EX) 681 (TU) | Goal scores: 750+ (all 3)
Open loans: Hyundai Motor Finance - $12k balance | 60 months @ 4.9% (First Time Buyer 12/2012)
My Wallet: Capital One 1.5k | Macy's 1.0k | Living Spaces 8.5k | Ashley 5.5k | Amazon 2.0k | Discover IT 1.5k | Walmart Discover 1.5k | Chase Freedom 4.5k
Re: What do you ACTUALLY carry in your wallet?
10-21-2012 11:35 PM
distantarray wrote:Not the ones that are sock drawered. I don't like a over cluttered wallet, but I do have a woman's style wallet that holds my sock drawered cards.
USAA debit card 1% Foreign Transaction fees and 5 free atm withdraws from any ATM in America. Can also transfer money from my Chase or BOA account immediately with the app if needed. (I only keep $500 in here so if someone steals it they won't get much)
Chase Sapphire 0% Foreign Transaction fees, 2 to 1 on travel and dining and nice shopping rewards mall which can get upto 20% discount on rotating items. and the sign up bonus was quite nice.
Amex BCP for 6% groceries, 3% gas and department stores.
---------------------
now next cards that could enter my wallet is
Amex Platnium cause I want the conserige service, free global entry, free club access at airports, free room upgrades etc.
US Cash + for 5% off restaurants and 5% off on Bill pay.
Chase Freedom (primary)
USAA Amex (just in case)
two debit cards in case I need cash, one is a co-op network card so I can use it at any CO-OP credit union atm, 7-11, etc.. ... ..
NFCU VISA $17.5k / USAA AMEX $6k / USAA AMEX $4k / USAA VISA $4k / CHASE FREEDOM $3k / Capital One $500
Re: What do you ACTUALLY carry in your wallet?
10-21-2012 11:40 PM
maiden_girl wrote:^LMAOO dying. It's so pretty you won't carry it?? You need a murse (a man purse)
lol it's as man as it can get, it's just all black my excuse is it's RFID secured lol, it stays in my car with my other debit cards, I should just go to the local banks and ask for a ATM card just incase someone steals it out of my car =\ since I can just transfer funds if I want with phone apps.

total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Re: What do you ACTUALLY carry in your wallet?
10-22-2012 12:09 AM
I want a couple of cards real bad to complete my "deck" but need time to pass by before applying ...
I have my wallet in front of me as I write this and as of now, this are the cards I currently carry in it:
-Amex BCP: 6% groceries, 3% gas, 3% dept. stores, 1% everything else.
-Citi Forward: 5% restaurants (fast food), 5% bookstores (amazon), music stores, video rental stores and movie theaters, 1% everywhere else.
-Citi Dividend: 5% rotating categories, 1% everything else.
-Discover IT: 5% rotating categories, 1% everything else.
-Boa Cash Rewards: 3% gas, 2% groceries, 1% everything else.
...
-Walmart: some use intended for CLIs + 1% everything.
-Barclays: just to give it some use.
-Amex Zync: No use at all.
So, here are my combos:
Gas: 3% BCP
Dept. Stores: 3% BCP
Groceries: 6% BCP
Going out: 5% Forward
Rotating Categories: 5% Dividend + 5% Discover
Everything else: 1% BCP
Cap One Journey 500 | Discover IT 1k | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCP 6k | Citi Forward 3k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 6k | Discover Walmart 4.9k | Barclays Apple 2.5k | BoA CR 800
Re: What do you ACTUALLY carry in your wallet?
10-22-2012 02:57 AM
CruzImperial wrote:
-Amex BCP: 6% groceries, 3% gas, 3% dept. stores, 1% everything else.
-Citi Forward: 5% restaurants (fast food), 5% bookstores (amazon), music stores, video rental stores and movie theaters, 1% everywhere else.
-Citi Dividend: 5% rotating categories, 1% everything else.
-Discover IT: 5% rotating categories, 1% everything else.
-Boa Cash Rewards: 3% gas, 2% groceries, 1% everything else.
Gas: 3% BCP
Dept. Stores: 3% BCP
Groceries: 6% BCP
Going out: 5% Forward
Rotating Categories: 5% Dividend + 5% Discover
Everything else: 1% BCP
Why do you keep the BOA cash rewards around? =O seems like BCP destroys that card by far , looks like sock drawer material to me ![]()
also no Chase Trifecta?
(chase checking, sapphire, freedom) combined together the benefits are quite nice.

total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Re: What do you ACTUALLY carry in your wallet?
10-22-2012 04:56 AM
Easy and best for rewards based on how I spend.
1. USAA World Master Card.
2. Amex Blue Cash Everyday.
3. PenFed Cash Rewards Visa.
4. Cap One (Green) Cash Rewards Visa.
5. Target Visa.
This combo works well for me.
** Every Card has a Job, and Every Card does its Job **
Re: What do you ACTUALLY carry in your wallet?
10-22-2012 05:31 AM
Maidengirl!!! Checks don't pay cash back!!! Lol :-) I haven't written a check in ages! Lol I keep a mental ledger of my purchases. Haha
Re: What do you ACTUALLY carry in your wallet?
10-22-2012 06:48 AM
I mostly use my Household Bank Rewards MasterCard as it has good rewards and no AF. (However, it is basically a toy limit.)
I also use my Barclays Reward MasterCard some times as it also has no AF and the rewards are OK, but a bit confusing. They do offer some promotions at times.
I don't use my Capone card. You can read all you want about them to figure out why!
Staying in the Garden, doin my research for the next best thing.
Barclay $1500, Marathon Visa $2500, Capital One $3500, Household $500, Marathon $900, Bealls FL $950, Belk $800, Walmart $1700, Discover $1000, Compass Bank $8000, PayPal Rewards MC $3,000, Chase $500 FICO scores (Walmart) 698 (Merrick) 712 CK Transrisk 689 Vantage 801 Credit Expert Plus Score 690
Re: What do you ACTUALLY carry in your wallet?
10-22-2012 06:56 AM
I'm game:
Chase Sapphire Preferred World Mastercard
Chase Slate Visa(soon to be Freedom next month)
American Express Blue Cash Everyday
Discover More Orange
BoA Susan G. Komen debit card(ya I'm a guy carrying a pink card)
Target Red Card debit
CardSharp knife
License
EQ FICO - 07/2012: 699, 08/2012: 714, 10/2012: 729, 11/2012: 686, 12/2012: 723, 01/2013: 737, 03/2013: 725, 04/2013: 734, 05/2013: 736
EX FICO(AMEX) - 10/2012: 712
