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Carrying too many cards

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lord_kinbote
Established Contributor

Re: Carrying too many cards

Here is what I carry.  It's an RFID wallet by Ainste;

 

IMG_1099_grande.jpg

 

 

I carry 6 credit cards, 1 ameritrade card, 1 bank debit card, ID, insurance card and has a middle section that I use to store cash.  Definitely a minimalist wallet.  

 

20150120_154805.jpg

Message 41 of 49
Anonymous
Not applicable

Re: Carrying too many cards


@red259 wrote:

@takeshi74 wrote:

@red259 wrote:

Anyone else feeling uncomfortable with the number of cards they currently have open?  


Some do, some don't.  Whether others do or not is irrelevant.  Just as with all other number of cards threads you have to determine the number that works for you and go with it.  I have 12 and I don't carry all of them.  Do you really have spend that goes on all of your cards all the time?


No, but I don't think that is really an applicable question. I think the better question is do I use all the cards I have. For example, I have cards that I do not put any spend on but keep them for the perks the card offers, or to build a relationship with a specific lender, or because the credit line helps my util or because its an old card and I like how it helps my AAoAs. Since I started back in my credit journey I have carefully considered each card I added to my collection, but only some are designated for spend. 


OK, but cards you don't put spend it, and don't have perks that need the card physically present, you don't need to carry, right?

Message 42 of 49
Anonymous
Not applicable

Re: Carrying too many cards


@akula wrote:

Here is what I carry.  It's an RFID wallet by Ainste;

 

IMG_1099_grande.jpg

 

 

I carry 6 credit cards, 1 ameritrade card, 1 bank debit card, ID, insurance card and has a middle section that I use to store cash.  Definitely a minimalist wallet.  

 

20150120_154805.jpg


That wallet is so awesome.

Message 43 of 49
red259
Super Contributor

Re: Carrying too many cards


@Anonymous wrote:

@red259 wrote:

@takeshi74 wrote:

@red259 wrote:

Anyone else feeling uncomfortable with the number of cards they currently have open?  


Some do, some don't.  Whether others do or not is irrelevant.  Just as with all other number of cards threads you have to determine the number that works for you and go with it.  I have 12 and I don't carry all of them.  Do you really have spend that goes on all of your cards all the time?


No, but I don't think that is really an applicable question. I think the better question is do I use all the cards I have. For example, I have cards that I do not put any spend on but keep them for the perks the card offers, or to build a relationship with a specific lender, or because the credit line helps my util or because its an old card and I like how it helps my AAoAs. Since I started back in my credit journey I have carefully considered each card I added to my collection, but only some are designated for spend. 


OK, but cards you don't put spend it, and don't have perks that need the card physically present, you don't need to carry, right?


The question was whether or not anyone else feels uncomfortable with the number of cards they currently have open not the number of cards they are carrying. Granted what made me think of this was the fact that I had too many cards in my wallet, but I have since pulled several out as a result. 

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 44 of 49
Anonymous
Not applicable

Re: Carrying too many cards


@red259 wrote:

@Anonymous wrote:

@red259 wrote:

@takeshi74 wrote:

@red259 wrote:

Anyone else feeling uncomfortable with the number of cards they currently have open?  


Some do, some don't.  Whether others do or not is irrelevant.  Just as with all other number of cards threads you have to determine the number that works for you and go with it.  I have 12 and I don't carry all of them.  Do you really have spend that goes on all of your cards all the time?


No, but I don't think that is really an applicable question. I think the better question is do I use all the cards I have. For example, I have cards that I do not put any spend on but keep them for the perks the card offers, or to build a relationship with a specific lender, or because the credit line helps my util or because its an old card and I like how it helps my AAoAs. Since I started back in my credit journey I have carefully considered each card I added to my collection, but only some are designated for spend. 


OK, but cards you don't put spend it, and don't have perks that need the card physically present, you don't need to carry, right?


The question was whether or not anyone else feels uncomfortable with the number of cards they currently have open not the number of cards they are carrying. Granted what made me think of this was the fact that I had too many cards in my wallet, but I have since pulled several out as a result. 


But your title suggests the other meaning!

Message 45 of 49
longtime_lurker
Valued Contributor

Re: Carrying too many cards


@Anonymous wrote:

@akula wrote:

Here is what I carry.  It's an RFID wallet by Ainste;

 

IMG_1099_grande.jpg

 

 

I carry 6 credit cards, 1 ameritrade card, 1 bank debit card, ID, insurance card and has a middle section that I use to store cash.  Definitely a minimalist wallet.  

 

20150120_154805.jpg


That wallet is so awesome.


I actually have been looking for a good quality minimalist wallet, so I watched/read some reviews and decided to buy it Smiley Happy Thanks for the cool wallet, akula!

Current cards: MSUFCU Platinum, Amex PRG, Amex Surpass, Amex BCE, Citi Prestige, Citi Double Cash, Citi Premier, US Bank Cash +, Huntington Voice, AAviator, Sallie Mae, Discover IT, Chase Freedom TU:753 EQ Enhanced: 758
Message 46 of 49
mitchblue
Valued Contributor

Re: Carrying too many cards

This is the RFID I use, absolutely love it. Cards stay in, easy to get out and it's protected (by Identity Stronghold)

 

FICO® 8 Scores 821 FICO® 9 Equifax 826 (Updated 02-7-23)
Message 47 of 49
lg8302ch
Senior Contributor

Re: Carrying too many cards

Living on 2 continents makes it easier..lol...I just have 2 wallets with FTF cards for the US and the other with no FTF for outside the country. Some of the no FTF cards allow to have multiple cards and found their  way in both wallets Smiley Happy  Works great for me like this.

Message 48 of 49
lord_kinbote
Established Contributor

Re: Carrying too many cards

@longtime_lurker, yes the Ainste wallet is awesome. I carry in my front protect for added protection and hardly know it'd there. I have had mine for about 4 months now and it's definitely the best wallet I have ever owned.
Message 49 of 49
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