topic Re: How Do You Keep Up With Your Cards in Credit Cards

How Do You Keep Up With Your Cards

HYPASS33 — Sun, 09 Jun 2013 15:14:25 GMT

I'm sure everyone does it differently but I just want to get some ideas on keeping up to make sure UT is good and you make sure you get things paid before statement hits. Thoughts??

Re: How Do You Keep Up With Your Cards

RSCo — Sun, 09 Jun 2013 15:28:24 GMT

manilla.com is what I use for my 18 accounts...

Re: How Do You Keep Up With Your Cards

xp2inc3x — Sun, 09 Jun 2013 15:39:19 GMT

I was thinkin the same thing i look at some of the guys sigs on here and they have like 8+ cc's..I wonder if they carry them all in their wallet also

Re: How Do You Keep Up With Your Cards

gen-specific — Sun, 09 Jun 2013 15:45:42 GMT

I have a spreadsheet with card, limit, balance, due date, and when I last paid

but I do a lot of manual tweaks to my finances so don't consider this a recommendation

Re: How Do You Keep Up With Your Cards

Anonymous — Sun, 09 Jun 2013 15:48:52 GMT

@xp2inc3x wrote:
I was thinkin the same thing i look at some of the guys sigs on here and they have like 8+ cc's..I wonder if they carry them all in their wallet also

Method 1: Autopay balance in full on due date. This is great if you are not concerned with utilization, either because you are not apping or because your spend is small compared to CLs.

And also, people have cards from the same issuer, e.g. I have four Citi cards. With one login, I can see them all and decide what, if anything, needs to be done.

Some people here might be a little OCD about micromanaging their cards, but if they are having fun, great!

Re: How Do You Keep Up With Your Cards

ztnjpv — Sun, 09 Jun 2013 15:51:24 GMT

Personally, I have quick links to all my card accounts on Chrome. They are lined up across the top under the address bar. I also know when they all close their monthly cycles. I just keep up on them every few days and make sporadic payments online throughout the month and finally again before the cycle closes.

Biz cards that don't report to personal CRs( all of mine except the Spark), I usually just let close with the full balance and then pay it over the following week or two.

I have thought about using another service/interface but I never seem to. I just maintain the accounts via frequent direct visits to my accounts online. As for keeping track of rewards, I know what gets used for which purchase so there's no need for anything tool there.

Re: How Do You Keep Up With Your Cards

flan — Sun, 09 Jun 2013 15:53:59 GMT

I'm old fasioned. I just use my computer's calendar (which is synced to my phone, and my computer at work, so not that old fashioned...), with recurring events set for due dates and statement cutting dates. I have reminders set a couple days to a week before. What I really do, though, is once or twice a week, look at the calendar, look at the creditor's website, and then log into my bank's bill pay, and do a week's worth of bill paying all at once. If I spend money on something that I don't want on the statement, I pay it immediately. For things that I'm reimbursed (I have a small amount of that for work, and rather a lot more for our joint household expenses), I pay as soon as I'm reimbursed, as it makes my bookkeeping easier. ng bills, I put them on the bill pay schedule when I get the bill, or very shortly thereafter. It's not that much work, once you have everything set up. The idea of doing this without a computer and online bill pay is daunting. I used to, and made mistakes...

Re: How Do You Keep Up With Your Cards

HYPASS33 — Sun, 09 Jun 2013 15:54:03 GMT

I've tried Mint but they don't take GE or any local accounts so Manilla seems to be better. Has anyone tried Mobilligy?? I assume all these are supper safe? Mint breaks down spending better than Manilla but just don't like they don't use GE.

Re: How Do You Keep Up With Your Cards

gen-specific — Sun, 09 Jun 2013 15:56:21 GMT

longtimelurker wrote:

Some people here might be a little OCD about micromanaging their cards, but if they are having fun, great!

totally but I'd have about 1/8th of the total credit limits I have now if I wasn't micromanaging, at least in the same time period

Re: How Do You Keep Up With Your Cards

jeffery581 — Sun, 09 Jun 2013 15:59:31 GMT

Everybody has the same due date for one.

10 days before my due dates everybody gets a good inspection online.

Re: How Do You Keep Up With Your Cards

Anonymous — Sun, 09 Jun 2013 16:21:31 GMT

Yodlee MoneyCenter is superior than mint.com to keep track of due dates of credit cards, balances of bank accounts and most other accountslike insurance due dates, airline reward miles etc.

It has the ability to track information of your most major banks in the world.

Re: How Do You Keep Up With Your Cards

LS2982 — Sun, 09 Jun 2013 16:23:11 GMT

@HYPASS33 wrote:
I'm sure everyone does it differently but I just want to get some ideas on keeping up to make sure UT is good and you make sure you get things paid before statement hits. Thoughts??

Trying that manilla out now

Re: How Do You Keep Up With Your Cards

unc0mm0n1 — Sun, 09 Jun 2013 16:27:15 GMT

I buck conventional wisdom and just close them down. I'm extremely busy and I don't want to check 15 acc's for fraud or if something went wrong. I've closed 4 CCs in the past few months. It hasn't really affected my score at all. I actually saw a small bump but I think that was just from the increased AAoA. TBF the cards I closed had very low CLs, from companies like USAA who don't like to do CLIs and closing them didn't hurt my util because it's always < 5%. Maybe in 10 years I'll feel it but the truth is by that time I should have a home, plus my other cards should have matured.

Re: How Do You Keep Up With Your Cards

Anonymous — Sun, 09 Jun 2013 16:29:22 GMT

MS Money. It's no longer supported now, but still works great for tracking everything. You can download the "sunset" version for free.

Re: How Do You Keep Up With Your Cards

HiLine — Sun, 09 Jun 2013 16:46:08 GMT

I use Check (formerly Pageonce) for all my financial accounts.

Re: How Do You Keep Up With Your Cards

Tazman81 — Sun, 09 Jun 2013 17:12:42 GMT

@Anonymous wrote:
MS Money. It's no longer supported now, but still works great for tracking everything. You can download the "sunset" version for free.

+1 .. I liked MS Money...

I now use Quicken to track all of my items. I don't buy the newest version each year as they have not made significant changes over the past 3-4 years.

Re: How Do You Keep Up With Your Cards

Anonymous — Sun, 09 Jun 2013 17:17:53 GMT

All cards have the same due date. Everything is on "pay balance in full" auto-pay. Mint.com to track transactions. I also only really use my JPMC cards, and there's a unified online portal for that which links to all my JPMPB accounts.

Re: How Do You Keep Up With Your Cards

Anonymous — Sun, 09 Jun 2013 17:32:20 GMT

@HiLine wrote:
I use Check (formerly Pageonce) for all my financial accounts.

If I didn't have this app I'm pretty sure I would forget to pay when the statement hits because I have different closing dates for all my cards.

Re: How Do You Keep Up With Your Cards

Anonymous — Sun, 09 Jun 2013 17:36:51 GMT

MS Money (I'm sure quicken can as well) can even track rewards, which is pretty cool. I like to see everything and the reports are great. I can track what I'm spending on, import statements, etc. Not sure about the online services, but being that I plunk everything into Money...I don't think I'd wanna do that on a website.

Re: How Do You Keep Up With Your Cards

LS2982 — Sun, 09 Jun 2013 17:39:18 GMT

For those who use manilla, how do you like it?