topic Re: What's in your.... Sock Drawer (SD)? in Credit Cards

What's in your.... Sock Drawer (SD)?

TiggerDat — Tue, 09 Apr 2013 11:45:57 GMT

I have put my Merrick Bank and Household Bank cards there, but's what's in yours? Why?

I put the Merrick Bank card there because it is the least useful card that I own. It has no rewards.

I also put the Household Bank card in the SD because it does not grow well since Capone took it over. The rewards are not bad and there is no annual fee, it is just not growing.

I also put the Walmart Card, Bealls of Florida Card, Belks Card, and Marathon Gas Card in the sock drawer as there really is no reason to use these cards anymore. Occassionally the Walmart Card is good for gas and special promotions, but there are no rewards with it so I might as well use a rewards card. The Bealls, Marathon, and Belks cards also have no rewards and therefore it makes no sense in using them.

Re: What's in your.... Sock Drawer (SD)?

Anonymous — Tue, 09 Apr 2013 11:50:27 GMT

My Macy's and Bloomingdale's card.

Doesn't make any sense for them to charge me any fees even when I PIF.

Re: What's in your.... Sock Drawer (SD)?

Anonymous — Tue, 09 Apr 2013 11:56:01 GMT

@bernhardtra wrote:
I have put my Merrick Bank and Household Bank cards there, but's what's in yours? Why?

I put the Merrick Bank card there because it is the least useful card that I own. It has no rewards.
I also put the Household Bank card in the SD because it does not grow well since Capone took it over. The rewards are not bad and there is no annual fee, it is just not growing.
I also put the Walmart Card, Bealls of Florida Card, Belks Card, and Marathon Gas Card in the sock drawer as there really is no reason to use these cards anymore. Occassionally the Walmart Card is good for gas and special promotions, but there are no rewards with it so I might as well use a rewards card. The Bealls, Marathon, and Belks cards also have no rewards and therefore it makes no sense in using them.

Does your household bank card get 2% cash back on everything like mine does?

Re: What's in your.... Sock Drawer (SD)?

cheychey99 — Tue, 09 Apr 2013 12:02:10 GMT

In the SD is my Orchard Bank (300 cl) and Cap One secured card (200 cl). I hate Orchard Banks refusal to grow. Good riddance.

Re: What's in your.... Sock Drawer (SD)?

TiggerDat — Tue, 09 Apr 2013 12:03:02 GMT

@Anonymous wrote:
@bernhardtra wrote:
I have put my Merrick Bank and Household Bank cards there, but's what's in yours? Why?

I put the Merrick Bank card there because it is the least useful card that I own. It has no rewards.
I also put the Household Bank card in the SD because it does not grow well since Capone took it over. The rewards are not bad and there is no annual fee, it is just not growing.
I also put the Walmart Card, Bealls of Florida Card, Belks Card, and Marathon Gas Card in the sock drawer as there really is no reason to use these cards anymore. Occassionally the Walmart Card is good for gas and special promotions, but there are no rewards with it so I might as well use a rewards card. The Bealls, Marathon, and Belks cards also have no rewards and therefore it makes no sense in using them.
Does your household bank card get 2% cash back on everything like mine does?

No it has 2% on some things, but 1% on others. I have cards that get 3% and 5% on the same categories anyway.

Re: What's in your.... Sock Drawer (SD)?

WolfMan — Tue, 09 Apr 2013 12:12:39 GMT

Merrick Bank Visa (700) - Waiting for that letter that I've opened too many credit lines. If I get it, it gets cancelled. No YF, so I'll leave it open otherwise.

Cap 1 Cash Rewards Platinum MC (1000) - $39 YF - Just before the next YF hits, it's getting cancelled. It's not worth the YF to me.

Buckle Store Card (500) - Got it from the shopping card trick to help my util, but now that my limits are good on my prime cards, I have no use for it. I ordered a wallet from them once, but don't see myself shopping there. I'll leave it open. Once it hits the year mark, I may consider closing it.

My other cards gets used quite often.

Re: What's in your.... Sock Drawer (SD)?

TiggerDat — Tue, 09 Apr 2013 12:13:11 GMT

@Anonymous wrote:
@bernhardtra wrote:
I have put my Merrick Bank and Household Bank cards there, but's what's in yours? Why?

I put the Merrick Bank card there because it is the least useful card that I own. It has no rewards.
I also put the Household Bank card in the SD because it does not grow well since Capone took it over. The rewards are not bad and there is no annual fee, it is just not growing.
I also put the Walmart Card, Bealls of Florida Card, Belks Card, and Marathon Gas Card in the sock drawer as there really is no reason to use these cards anymore. Occassionally the Walmart Card is good for gas and special promotions, but there are no rewards with it so I might as well use a rewards card. The Bealls, Marathon, and Belks cards also have no rewards and therefore it makes no sense in using them.
Does your household bank card get 2% cash back on everything like mine does?

No it has 2% on some things, but 1% on others. I have cards that get 3% and 5% on the same categories anyway.

Re: What's in your.... Sock Drawer (SD)?

lg8302ch — Tue, 09 Apr 2013 12:51:35 GMT

Discover IT is on the way to SD. It has left my wallet just this month and will serve for ShopDiscover only due to the low CL. It is just a pain to send payments in to continue to use it. Benefits are not better than my other cards. Might get its place back in my wallet in case the CL gets to 5k. I will wait and see but for online shopping it still works well but not as everyday card. So it is kind of SD compared to my other cards.

Re: What's in your.... Sock Drawer (SD)?

jsickz32 — Tue, 09 Apr 2013 12:46:44 GMT

Everything in my siggy is SD except PRG and Flagship.

Re: What's in your.... Sock Drawer (SD)?

Anonymous — Tue, 09 Apr 2013 12:52:45 GMT

BCP: reached cap on groceries, back next year

Citi AA: use once every 18 months to maintain AA points (have to consider value of this!)

Amalgamated Bank. Well, don't even have a card for this (they sent a letter saying they would only send it if I asked, as I hadn't been using it). Still open though

US Bank Cash Plus. Just use for cell charges on auto pay

Barclays Rewards: Low CL, no advantage for rewards

Chase Amazon: Forward gives better rewards

Penfed x2: Used via speedpass. Will use for groceries next year

Cap One x2. One used for PerkCentral purchases only, both used for purchasing prepaid mobile time from international sites

Re: What's in your.... Sock Drawer (SD)?

sarkell — Tue, 09 Apr 2013 12:57:59 GMT

Orchard bank & c1s for sure though I charge Hulu on capital one need to find a small bill for the other two. One think I think about capitalone there are a pain to get cli however rewards are easy and redeemable easily but also they are less likely to cld bc they are so conservative with extending credit.

Re: What's in your.... Sock Drawer (SD)?

Anonymous — Tue, 09 Apr 2013 12:59:19 GMT

My Cards: Orchard (1100 CL), Cap1 Cash Rewards ($2500), Freedom ($1000), Best Buy ($2500), Discover It ($1000), Barclays Rewards ($2500)

In the SD: Orchard & Best Buy: currently paying down balances so lack of activity not a concern at this time.

Re: What's in your.... Sock Drawer (SD)?

Anonymous — Tue, 09 Apr 2013 13:10:14 GMT

Cap1 Cash Rewards are definitely easier to track and redeem than the Freedom. I don't know about Barclays and Discover it yet because I just got approved for them. But I love how Cap1 credits your rewards right away once each charge comes out of pending status, they can be redeemed through their mobile app, and they have auto redeem options such as send a check for x dollars when cash back rewards get to $200.
And I also like the 50% cash back bonus that they give each year on the rewards you earned. I will get my cash back bonus in July and I have already earned $142 in cash back so I will at least be getting a $71 cash back bonus in July.

Re: What's in your.... Sock Drawer (SD)?

UFGuy2006 — Tue, 09 Apr 2013 14:20:29 GMT

All but my BCP, SPG and Freedom cards.

Re: What's in your.... Sock Drawer (SD)?

Anonymous — Tue, 09 Apr 2013 14:28:09 GMT

Socks and underwear..... and about 150 vanilla ice cream flavors, Orchard, Capital One, Navy Federal Platinum, DCU debit card, Navy Debit card, 50 pack box of Durex

Re: What's in your.... Sock Drawer (SD)?

Anonymous — Tue, 09 Apr 2013 14:31:21 GMT

Best Buy, Notre Dame FCU, Chase SW RR, Discover More, and Citi Thank You all in the SD, mostly because I am hammering down balances.

Wallet is Zync and Freedom. Zync will be hitting the SD once I clear out my freedom which will be then my everyday and Disc if the summer category is good!

Ultimately SW RR Visa will be my everyday once that balance is gone!

Re: What's in your.... Sock Drawer (SD)?

Anonymous — Tue, 09 Apr 2013 15:40:35 GMT

Pretty much all my stores cards. All my cap ones and an amazon chase.

Re: What's in your.... Sock Drawer (SD)?

creditnocash — Tue, 09 Apr 2013 16:26:22 GMT

lets see

2 citizens cc

macy's

best buy

walmart

KOHLS(forever)

american eagle

Re: What's in your.... Sock Drawer (SD)?

shorrttyycm1 — Tue, 09 Apr 2013 16:28:38 GMT

Merrick because has a VERY sad cl ($300.) and a af. Orchard was there because was a sad limit ($520.) and had a af. I just closed IB like 30 mins ago because eo stated the card was in a program that didn't allow clis. So...SHREDDED ;-)

Re: What's in your.... Sock Drawer (SD)?

Anonymous — Tue, 09 Apr 2013 16:29:06 GMT

@credit citizens bank? Do you mind telling me your scores/inq amount at time of app if you remember? I bank with them and I want to get their card in October