I just got the Dividen card and compared it to the other two 5% category cards and now I am wondering why. All three this month are Home Improvement categories. Yeah, there are some subtle differences. The first quarter they are all different, but this quarter they are basically the same. I almost expect that in the third quarter they will also be the same; gas stations. The Dividend card doesn't even tell you the next quarter; they just say TBA. Maybe I had this all planned wrong? I am not sure now that I need all three. I thought it would be good to have the rotating categories, but now I think with having the BCP and Sallie Mae card, that most of the categories are not really needed. I was hoping to be covered all quarters on restaurants, now I am only covered 6 months that I know of. Discover last year was two different quarters I thought for restaurants and Chase one. Maybe I will be surprised and the Dividend will be restaurants next quarter? Hmmm.
It is by will alone I set my mind in motion.....
Always follow these rules: Only take a HP for a new account. Always use the best rewards card for that reward category. Don't close a card unless you know you really should. Never use more than 35% of a credit limit. Recon as much and as best you can. Use the introductory period to the best advantage. Get the signup bonus. Whenever possible PIF or balance transfer so you pay less in interest. Never give an excellent rating when it is actually the norm. Always look for a discount as more is always better.
Always accept candy from strangers because they have the best candy or from people you know have good candy.
