For those with multiple cards...

[happypill]

I use Mint to keep track of balances, payment due dates, etc.  I don't keep balances, so basically once a week I log into Mint to see which cards have balances, and I submit a payment right away.  It's a great way for me to make sure I can see any unknown charges.

I also use an Excel spreadsheet to keep track card info.

I have 37 cards currently, but I only use about 5-6 regularly.

[Adkins]

I do two things. One, I use Prism to watch the due dates and Two, I had almost all my cards' due dates changed to after the 15th of the month. I reserve the first paycheck for one set of bills, the second paycheck of the month for mainly credit card payments. I PIF every month but I'm not doing AZEO right now, so most of my cards cut with a balance. 

[Kforce]

I moved all my statement dates to the end of month.

Check each account and pay current balance about 4-5 day before.

Log on and pay each account balance a few days into the next month. (Catches pending charges)

Find it easy, safe and keeps "Util" low.

[arkane]

---

@AverageJoesCreditwrote:
Not only am i average, im old school. Pen and paper and notebook. Every couple days i update my page to show if i owe anything . To me no biggie i take a half an hour put on my music have some coffee and go account by account. Routine now

---

lol great minds think alike

A simple post-it note with all my cards and statement cut/due dates listed. Truly at-a-glance and don't have to worry about Russian hackers.

[Anonymous]

I now use a spreadsheet every week. I begin with verifying bank balances. Then I go down the list with what I owe, pending, and how much I am paying if anything on that card. A miscellaneous column for whatever; i.e. points. A final column with the CS from that card. I have 19 CC and one auto loan. Throw in internet service, utilities, and insurance it does pay to keep track of everything. There are places at the bottom for my other CS such as CreditKarma, CreditSesame, ... 

I carry three to four CC with me. I change them up about every couple of weeks among my "Big 10". The exception is right now my new Chase card is the only one I am using. Daughter and her husband (AU) are using two to three of my other CC.

I don't know how some of these heavy hitters keep all of their CC happy with usage. I ran out of reoccurring charges a long time ago.

[Anonymous]

I have 12, once I'm done apping I intend to have 20. 2 of them are useless, I just keep them around for the history - I may close one or maaayyybe both of them when I'm done apping though.

First off I make sure they all have the same due date. One issuer said they can't change it so I'm gonna make all my other cards the same due date as that card.

As for the other 18 cards, 5 of them are pretty much just for perks and I don't need to carry them around. Several of the other ones are for spending categories where I don't need to carry them around (Amazon purchases, utilities, internet/phone, etc). And yet some of the others are rotating category 5% cash back cards so every quarter I reanalyze which cards I actually need to carry around in my wallet.

Beyond my CCs I have 3 checking accounts, one with a target red debit card linked to it, a paypal debit card which I aim to link with the PayPal CC, and a couple of prepaid cards for their 5% savings accounts. I dunno man, I guess I just know what each card is for after researching and structuring it all out.

[Anonymous]

I use a google doc where I have all my cards listed with date opened, limits, apr, etc and notes on each such as sp/hp for CLI and such.

I put in the balances to see my util for each and overall. I update this fairly regular.

I also use google keep (a little digital notepad) on my chromebook, so I look at that multiple times a day...

That is where I list all bills that are needed to be paid with next payroll. 

I only carry 1-2 personal and 1 biz card with me at all times, but rotate to get use on each of my 20+ cards.

Come payday, I look at that list (which is the same every month for a bi-monthly pay) and just copy that week for the following second week.

THen I pay off all the bills listed. I only am carrying 2 balances, both 0% BT and both will be paid off within a month or two.

A little ocd, but I think checking once a week would be fine, but since im almost always on my chromebook, i check almost everyday

and log into cc accts being used few times a week

[Anonymous]

My bride keeps everything on a legal pad, and uses pencil instead of pen.  We sit down about once a week and discuss what she's paying.  We have 24 accounts in total, although more than half have zero balances and are sock-drawered.  I've tried to get her to use something online, but she prefers the old-school methods and a combination of pushed payments from PNC Virtual Wallet, and payments pulled through creditors' websites.  

I also get alerts in my outlook calendar to remind me that, for instance, 1st quarter I get 5% back on Discover for gas and Sam's Club.

[marypoppins70]

I have a crap-load of cards and I use an Excel spreadsheet to keep track of balances, due dates, utilization %, monthly payments, date I opened the card, etc.

[minski]

Less than 20 and more than 10 cards here

I have all but Blispay on auto pay. I don't micromanage. I PIF except when I choose to carry a balance on 0% APR - and then it's just minimum until the promo runs out. 

I use YNAB for my budgeting. 

I am constantly reviewing my cards, wanting to minimize, but I end up deciding to keep most of them anyway to maximize rewards or whatnot.