topic Re: What are people spending each month? in Credit Cards

What are people spending each month?

Anonymous — Tue, 03 Nov 2015 18:27:57 GMT

I was just curious as to what people spend each month to keep their cards active? I have 11 major credit cards and about 5 store cards...my question is is there a certain amount that some of you spend each month on your cards to show activity? What are the main cards that some of you use day in and day out. I use my CITI DC as my main and was curious as to what others use.

Re: What are people spending each month?

Anonymous — Tue, 03 Nov 2015 18:34:01 GMT

I put around $500-$700 on my cards monthly. I run about $2 on my AMEX just to keep it active although I don't use it one bit. My daily driver card is my Freedom (most importantly because I still have 0% interest for a remaining 11 months).

Re: What are people spending each month?

dstew201 — Tue, 03 Nov 2015 18:45:05 GMT

about $1500 between my two Amex cards, which is about to shift to my Discover card in the next couple of weeks.

Re: What are people spending each month?

LadyJEsq — Tue, 03 Nov 2015 18:46:25 GMT

Wayyyyyyyyyy too much! With doctor/PT/acupuncture/ bills AND me replacing almost every piece of furniture in my home, PIF is pretty much eating all my disposable income. I haven't saved (outside my 401k) since July (I did open a 5yr CD, so I guess that's saving). But, before all of this happened, I came back to this site, and am fortunate to be getting rewards for my purchases. I shudder to think how much money I would've lost had I not come to this forum again. I'm actually looking forward to my big furniture purchases that are coming up in the near future!

Re: What are people spending each month?

icyhot — Tue, 03 Nov 2015 18:49:32 GMT

At least $2000 across all cards if not more

Re: What are people spending each month?

Anonymous — Tue, 03 Nov 2015 18:50:38 GMT

Thanks for the feedback! Do you mind if I ask, why are you moving to Discover? I also have a Discover...and was just curious

Re: What are people spending each month?

dstew201 — Tue, 03 Nov 2015 19:04:44 GMT

@Anonymous wrote:
Thanks for the feedback! Do you mind if I ask, why are you moving to Discover? I also have a Discover...and was just curious

Sure! I primarily used the Amex cards to get the spend bonus for each, now I want to focus on the Amazon 5% cashback category (holidays\birthdays). At this point the Delta Amex is somewhat useless (aside from the free bag; the zone 1 priority is not worth it), and the ED card doesn't give me point for gas.. I should have read the fine print.

I'll keep them long enough to PC to something more useful, hopefully.

Re: What are people spending each month?

zerbherb — Tue, 03 Nov 2015 19:35:35 GMT

200$ a month on discover. paying off something on the amex with zero apr 450$ left + plus the monthly adobe charge for 21$.

Re: What are people spending each month?

DrZoidberg — Tue, 03 Nov 2015 20:15:31 GMT

About $11k-$13k per month. Depending on travel.

Re: What are people spending each month?

Anonymous — Tue, 03 Nov 2015 20:19:35 GMT

$5K - $6k a month is normal. There are fluctuations such as travel, Christmas, and such where it is much more. Then there are months it might be as low as $3K.

Re: What are people spending each month?

mitchblue — Tue, 03 Nov 2015 20:25:15 GMT

Everything outside Mortgage and Auto loan.

Re: What are people spending each month?

Anonymous — Tue, 03 Nov 2015 20:29:12 GMT

Sallie Mae: Approx 400 (gas+groceries)

BOA Cash Rewards: 8 (Netflix)

Chase AARP: Restaurants 50-100

Discover It: Amazon/utilities bill approx 300.

Better Balance Rewards )Internet 42

Amex Blue Cash, Capital One Quicksilver, Freedom get small purchases to keep them active every once in a while. Freedom gets good use during gas quarters and when it is not the same as Discover It.

Re: What are people spending each month?

disdreamin — Tue, 03 Nov 2015 20:31:48 GMT

On the cards I just want to keep active, but don't want to use heavily as I would miss out on rewards, I tend to put somewhere between $10 and $100 on them. I've recently gone to putting all auto-pays but one on the DC and then one auto-pay on Chase Disney just to keep those two active. My daily-use cards and Arrival+ (2.2% rewards effective until 8/16 - everything not gas, groceries or restaurant goes here), Sallie Mae (first $250 on groceries and all gas at 5%), BCP (remaining groceries at 6%) and CSP (restaurants at 3%).

It's a lot to keep track of, especially the $250 cap on groceries, and sometime I slip up and lose out on a few rewards points here and there, but overall this is a MUCH better setup for rewards than I had going into the end of 2014. Impressive what y'all have taught me!

Re: What are people spending each month?

Anonymous — Tue, 03 Nov 2015 21:19:50 GMT

I put almost everything on my Discover -$2200.00 plus 5 % cats

Resturants + parking and travel go on CSP = 300.00( more if I'm traveling)

Freedom- Catagory spend when it doesn't dup Disco

Amex- any offers that appeal to me.

All other cards get pulled out at least once a month for about $10.00 or so and paid in full the same day.

Re: What are people spending each month?

Anonymous — Tue, 03 Nov 2015 21:57:42 GMT

I think I run about 3k per month through my cards. $380 a month for groceries and gas on BCE. Everything else goes on Discover. For places that don't take Discover, I use the Quicksilver. My Amazon card has been used one time since I got it for exactly $2.00. WalMart card occasionally gets a gas purchase when the 5 cent discount is greater than the 3% I would get using a Kroger gift card for gas on my BCE.

Re: What are people spending each month?

Anonymous — Tue, 03 Nov 2015 22:07:26 GMT

Whatever I can afford to pay back to stay under 10% utilization, this month I had to rely more on the card and may only be able to go under 30% though which kind of sucks since I have been maintaining single digits for a while... self employed with sometimes slow playing clients can make it a little stressful.

Re: What are people spending each month?

Anonymous — Tue, 03 Nov 2015 22:14:27 GMT

Hahahaha... I'm sure you guys don't want to see my CRAZY spreadsheet! LOL

A little here, a little there... but

Discover get the most love at aprox. $3500 monthly. Perhaps that's why they've been so generous with CLIs

I have the others on a rotation, if you will. None escape a quarter without charge. Except that lame Slate though! That things been sitting unpretty for a decade!

Re: What are people spending each month?

Anonymous — Tue, 03 Nov 2015 22:20:41 GMT

You know! *about the clients* Thankful for them every day though!

*edited to add quote*

@Anonymous wrote:
Whatever I can afford to pay back to stay under 10% utilization, this month I had to rely more on the card and may only be able to go under 30% though which kind of sucks since I have been maintaining single digits for a while... self employed with sometimes slow playing clients can make it a little stressful.

Re: What are people spending each month?

Anonymous — Tue, 03 Nov 2015 23:30:42 GMT

I put everything I can on my credit card, it's about $2K-$4K per month. I pull out the SD'd cards every 3-4 months and use them for gas or something small at Amazon to avoid them getting closed.

Re: What are people spending each month?

Anonymous — Wed, 04 Nov 2015 08:14:00 GMT

Is this for just personal card or business too?? If it's personal I run maybe about 10-15k a month on 10 cards 2 cards I still have a 68k balance on it business the one I run most is lowes which can vary from 30-60k a month and cap1 spark cash which can vary from 20-45k a month these r only credit card