topic Re: Managing multiple cards in Credit Cards

Managing multiple cards

NibblesTreats — Mon, 02 Feb 2015 01:39:18 GMT

I have a few cards that I have either never used yet, or seldom use. How do all of you manage your cards? Have any been closed from not using them within a certain period of time?

Re: Managing multiple cards

Membersince2013 — Mon, 02 Feb 2015 01:41:53 GMT

Pretty easy. Mint, BillGuard and obbsesive log ins...

Re: Managing multiple cards

Anonymous — Mon, 02 Feb 2015 01:43:16 GMT

@Membersince2013 wrote:
Pretty easy. Mint, BillGuard and obbsesive log ins...

Same.

+ Notepad.

So simple but with a little ASCII.

Re: Managing multiple cards

Anonymous — Mon, 02 Feb 2015 01:45:41 GMT

I haven't had any closed on their own yet- yet. but i'm interested if the logging into the online account has something to do with it. I haven't used a couple of my cards in like two to three years but I check into the account online once a month or so just to ensure things still look the same.

Re: Managing multiple cards

chalupaman — Mon, 02 Feb 2015 01:46:44 GMT

Good ol' Credit Karma, a bit of Mint.com and also obsessive log ins. Never had a late payment ever or had any of my cards get closed for inactivity.

Re: Managing multiple cards

Anonymous — Mon, 02 Feb 2015 01:48:51 GMT

Obsessive logins, maybe add Mint to the mix later. I have yet to see a service that allows Synchrony bank cards to be checked (or any store cards).

As of right now I only have four, but they'll be more in the future.

Re: Managing multiple cards

Anonymous — Mon, 02 Feb 2015 01:57:13 GMT

Mint, weekly logins Not much to manage I like to keep it simple!

Re: Managing multiple cards

MissMoni223 — Mon, 02 Feb 2015 02:10:19 GMT

I have the ultimate Excel spreadsheet that is totally awesome. Combine that with daily account logins and you'll be good to go. Managing multiple cards is work, but the key is to stay organized.

Re: Managing multiple cards

NibblesTreats — Mon, 02 Feb 2015 02:17:46 GMT

@MissMoni223 - how do you have your spreadsheet set up to assist you in keeping on top of things? Mint.com only allows me to add some of my accounts as some do not allow the website to access the credit card websites. I'd like to make sure that I stay on top of them easily without having to log in every day to look at them. I don't have any issues keeping up with payments, but it would be nice to have a "one stop shop" where I can see them all.

Re: Managing multiple cards

B335is — Mon, 02 Feb 2015 02:26:44 GMT

I need to get on mint. I log into my websites like every two days and have everything plotted out on a homemade spreadsheet. I include: card name, issuer, limit, balance, utilization, due date, date open, bonus spend requirement and date due, then any notes related to CLI, reallocation, APR reductions, etc...

Re: Managing multiple cards

bdhu2001 — Mon, 02 Feb 2015 02:28:50 GMT

Mint + I use and excel spread sheet for all my bills.

When I decide I have a card that absolutely serves no purpose, I choose a date for when I'll let it go. Currently Discover is on the chopping block list. I'm in the garden until 6/2016 and I'll make a decision on Discover before I leave the garden. I currently keep it for the free TU FICO score so I have to decide if that's a good enough reason to keep it.

Re: Managing multiple cards

kdm31091 — Mon, 02 Feb 2015 02:32:57 GMT

I just log in often. I don't have so many that it's too hard to remember what's what. I would like to pare down to 4 cards eventually.

I tried Mint, but couldn't get into it. I got annoyed with the constant notifications, and found it more annoying than helpful, though if you have 10 or 15 or 20 accounts I can see the value.

Re: Managing multiple cards

AintYouADaisy — Mon, 02 Feb 2015 02:33:18 GMT

@Membersince2013 wrote:
Pretty easy. Mint, BillGuard and obbsesive log ins...

Re: Managing multiple cards

Anonymous — Mon, 02 Feb 2015 02:36:07 GMT

@kdm31091 wrote:
I just log in often. I don't have so many that it's too hard to remember what's what. I would like to pare down to 4 cards eventually.

I tried Mint, but couldn't get into it. I got annoyed with the constant notifications, and found it more annoying than helpful, though if you have 10 or 15 or 20 accounts I can see the value.

You know you can turn the notifications off right?

Re: Managing multiple cards

elim — Mon, 02 Feb 2015 02:37:44 GMT

@Anonymous wrote:
Obsessive logins, maybe add Mint to the mix later. I have yet to see a service that allows Synchrony bank cards to be checked (or any store cards).

As of right now I only have four, but they'll be more in the future.

prism does and its getting better every day

https://www.prismmoney.com/

Re: Managing multiple cards

kdm31091 — Mon, 02 Feb 2015 02:39:48 GMT

Yeah, I know you can turn off the notifications; meh, I just didn't really need Mint with the amount of accounts I have. With more it would be different. I also am not using all of them at any given time - my spending isn't very much. I may only have one small charge per month on my BCE, for example.

Re: Managing multiple cards

Imperfectfuture — Mon, 02 Feb 2015 04:34:17 GMT

Don't need Mint. Spreadsheets, auto text messages, regular banking relationship, all the log ins in one folder to just go down the list,etc.

Don't yet understand the trust for a third party company to handle your log in information. If there's a breach, don't think the CCC will have your back with Mint access. JMHO.

Re: Managing multiple cards

lg8302ch — Mon, 02 Feb 2015 10:04:00 GMT

@elim wrote:
@Anonymous wrote:
Obsessive logins, maybe add Mint to the mix later. I have yet to see a service that allows Synchrony bank cards to be checked (or any store cards).

As of right now I only have four, but they'll be more in the future.
prism does and its getting better every day

  https://www.prismmoney.com/

Mobilligy? Looks that the only lack is access via PC. ... I hate nothing more than set up with mobile app as I hate typing on these little devices. Wallaby and Mint are easier for me to handle as you can set up from PC and then login with mobile app. Also I manage my accounts by setting up alerts directly from the accounts so bill reminders are coming in.

Re: Managing multiple cards

elim — Mon, 02 Feb 2015 10:13:50 GMT

@lg8302ch wrote:
@elim wrote:
@Anonymous wrote:
Obsessive logins, maybe add Mint to the mix later. I have yet to see a service that allows Synchrony bank cards to be checked (or any store cards).

As of right now I only have four, but they'll be more in the future.
prism does and its getting better every day

  https://www.prismmoney.com/




Mobilligy? Looks that the only lack is access via PC. ... I hate nothing more than set up with mobile app as I hate typing on these little devices. Wallaby and Mint are easier for me to handle as you can set up from PC and then login with mobile app. Also I manage my accounts by setting up alerts directly from the accounts so bill reminders are coming in.

That screen shot is from my win8 PC, I use tablet, phone and PC to manage accounts and pay bills with prism.

Re: Managing multiple cards

lg8302ch — Mon, 02 Feb 2015 10:59:59 GMT

Thanks. Win7 PC does not work but I did set up my accounts partially with iPad. To use bill pay you need to enter the full card details.. wonder how safe that is? But it looks very promising otherwise