topic Re: who uses only 1-3 cards in Credit Cards

who uses only 1-3 cards

Anonymous — Thu, 19 Nov 2015 03:09:36 GMT

i am gonna convert to maybe two cards in august (sallie mae (if it still exists for current holders) and possibly NFCU cashRewards

who else uses a very basic, 2-3 card system?

Re: who uses only 1-3 cards

iheartwings — Thu, 19 Nov 2015 03:15:03 GMT

Before I found MF and did this app spree thingy last winter, I had only used 3 cards regularly - C1 QS WMC, Discover it, and Chase Freedom. I also had a Target card with rare use.

Now I have bunch more cards, and I have SD'd several and try to stick to 1-3 for my main spend. At some point, I'll decide to simplify again and close more accounts.

Re: who uses only 1-3 cards

Anonymous — Thu, 19 Nov 2015 03:15:53 GMT

which ones do you find yourself using now

Re: who uses only 1-3 cards

iheartwings — Thu, 19 Nov 2015 03:20:01 GMT

My regular drivers are AmEx BCP, Discover it (managed to finagle the Double Cashback promotion this summer), and since last month Citi DC.

I pull out the others depending on what I'm doing to maximize rewards, but those charges are often not regular. Flights through my Delta AmEx, hotels via Marriott Rewards, outdoor gear via REI, etc.

Re: who uses only 1-3 cards

Anonymous — Thu, 19 Nov 2015 03:22:30 GMT

i love rei but i don't shop there enough for the CC lol. when i had my xterra going outdoors was more realistic and common but with a corolla... no.

Re: who uses only 1-3 cards

Anonymous — Thu, 19 Nov 2015 03:24:48 GMT

I'm not sure if this counts, but I have 3 permanent cards (SM, DC, AARP) with the rest being rotated at differing frequencies:

BoA Cash Rewards: Bank Amerideals if not already used on BBR
BoA BBR: once a month charge something
BCE: Amex Offers
Discover: 5% or Discover Deals

Re: who uses only 1-3 cards

Anonymous — Thu, 19 Nov 2015 03:29:55 GMT

lol it counts but why is SM a main?

Re: who uses only 1-3 cards

barthooper — Thu, 19 Nov 2015 03:30:45 GMT

Before I got Discover last month I only had three cards, so it was pretty easy. Now I use Sallie Mae for gas and groceries, Discover for Amazon and general spend, due to double cash. Quicksilver picks up anything that doesn't accept Discover. Discover's double cashback has rendered my Barclay Rewards obsolete for the next year, which usually sees my cell and internet bill.

Re: who uses only 1-3 cards

Anonymous — Thu, 19 Nov 2015 03:36:25 GMT

discover is accepted anywhere i go except the public library so i use it a ton except recently since i need to meet venture spend bonus

Re: who uses only 1-3 cards

iheartwings — Thu, 19 Nov 2015 03:37:28 GMT

@Anonymous wrote:
i love rei but i don't shop there enough for the CC lol. when i had my xterra going outdoors was more realistic and common but with a corolla... no.

LOL. Until I moved to the PNW, I didn't shop there enough either! But, they make quite the $$$ off of me now.

I had a Corolla once - loved that car, but hated driving FWD in the snow.

Re: who uses only 1-3 cards

Anonymous — Thu, 19 Nov 2015 03:39:30 GMT

Same 2-3 cards will be in rotation for around 90 days, then in the SD, and another 2-3 go into rotation for 90 days. I have a lot of cards, but try and keep the majors in some sort of rotation to keep them active.

Re: who uses only 1-3 cards

barthooper — Thu, 19 Nov 2015 03:40:32 GMT

@Anonymous wrote:
discover is accepted anywhere i go except the public library so i use it a ton except recently since i need to meet venture spend bonus

I'm finding that to be the case as well. One restaurant I went to this past weekend didn't take Discover and neither does my gym membership so the instances where I don't use it are few and far between.

Re: who uses only 1-3 cards

Anonymous — Thu, 19 Nov 2015 03:41:54 GMT

@Anonymous wrote:
lol it counts but why is SM a main?

Why wouldn't it be? 5% back on gas/groceries/bookstores (aka Amazon) is the highest cashback for each of those category spend, as long as you don't go over the $250 monthly cap.

Also, didn't you say in your OP that you'd be using it as one of your mains as well?

Re: who uses only 1-3 cards

Anonymous — Thu, 19 Nov 2015 03:47:09 GMT

yeah but not everyone gets gas like i do lol.

Re: who uses only 1-3 cards

Anonymous — Thu, 19 Nov 2015 03:59:34 GMT

@Anonymous wrote:
yeah but not everyone gets gas like i do lol.

I'm confused? Any amount of spend towards gas will get the 5%, which makes it the best possible option unless you buy a gas card at a supermarket with BCP or similar.

Re: who uses only 1-3 cards

Anonymous — Thu, 19 Nov 2015 04:07:17 GMT

and you're correct lol. what i mean is not everyone uses it "regularly" because they may not get gas or groceries or book purchases with it so i was wondering if you use it for almost everything or just categorical spending

Re: who uses only 1-3 cards

Anonymous — Thu, 19 Nov 2015 04:10:13 GMT

@Anonymous wrote:
and you're correct lol. what i mean is not everyone uses it "regularly" because they may not get gas or groceries or book purchases with it so i was wondering if you use it for almost everything or just categorical spending

Ah ok that makes sense now! Yep just category spend for both SM and AARP (restaurants only); all other spend (that doesn't have a deal from another one of my cards) goes on the DC.

Re: who uses only 1-3 cards

Anonymous — Thu, 19 Nov 2015 04:12:00 GMT

oh okay haha

Re: who uses only 1-3 cards

Anonymous — Thu, 19 Nov 2015 05:17:14 GMT

My main 3 are BoA Cash Rewards for gas and groceries, AARP for dining, and Disney just because it brings me to my happy place. Non category spend goes on whatever I pull out or my mood as it is 1%. All our rewards, including my wife's, goes to our Disney trips. Just realized last month too that you can have Disney Vacation club embossed below your name if you are a member. Score! Looks that much better now!

Re: who uses only 1-3 cards

Anonymous — Thu, 19 Nov 2015 05:20:00 GMT

lol that was fun to read.