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How Many Cards To Carry

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MrDisco99
Valued Contributor

Re: How Many Cards To Carry

I had been carrying 2 or 3 cards at a time.  Right now I'm just carrying one while I work on the bonus spend.

 

I know that Amex has some acceptance gaps here and there but so far I've yet to be affected by that.  For a while my Amex was getting all my restaurants/gas/groceries spend and not one of them refused my card.

I would be shocked if anyone with a credit card terminal refused that Cap1 MC.

 

Message 11 of 33
Anonymous
Not applicable

Re: How Many Cards To Carry

I have most of my cards on my Samsung pay so I usually pay with my phone, only keep 3 physical cards in my wallet, just in case .
Message 12 of 33
Anonymous
Not applicable

Re: How Many Cards To Carry


@MrDisco99 wrote:

I had been carrying 2 or 3 cards at a time.  Right now I'm just carrying one while I work on the bonus spend.

 

I know that Amex has some acceptance gaps here and there but so far I've yet to be affected by that.  For a while my Amex was getting all my restaurants/gas/groceries spend and not one of them refused my card.

I would be shocked if anyone with a credit card terminal refused that Cap1 MC.

 


Here is a situation.  You eat lunch and forget to take your card back after signing at the restaurant. You drive home and you need gas and you reach in your wallet and now you have no cards.  Let me tell you that happened to me before. 

Message 13 of 33
MrDisco99
Valued Contributor

Re: How Many Cards To Carry


@Anonymous wrote:

 

Here is a situation.  You eat lunch and forget to take your card back after signing at the restaurant. You drive home and you need gas and you reach in your wallet and now you have no cards.  Let me tell you that happened to me before. 

 


I have a debit card I always carry as a last resort.  I wasn't counting that on my credit cards wallet list.

Message 14 of 33
SouthJamaica
Mega Contributor

Re: How Many Cards To Carry


@Anonymous wrote:

Hi.

 

I am new to this forum.

 

I currently have four major cards, one from each network (Chase FU $56,500, Cap One Quicksilver MC $32,000, Discover $21,500, and AMEX BCP $30,000.

 

I was carrying all four in my wallet, but I felt uncomfortable, so I cut back to two, Cap One MC (1.5% on everything) and AMEX BCP (6% groceries and 3% gas). These categories are my main spend. I am retired.

 

My question: Is AMEX and Mastercard enough acceptance coverage (I never go outside U.S), or should I carry a third card (Visa or Discover) in case somewhere does not

 

take AMEX and the Mastercard doesn't work, for some reason?

 

I don't mean to be paranoid, but what do others think??

 

Thanks !!


I think you're being "paranoid" Smiley Happy


Total revolving limits 569520 (505320 reporting) FICO 8: EQ 689 TU 684 EX 682




Message 15 of 33
EdMan63
Established Contributor

Re: How Many Cards To Carry

I only carry 2 cards at a time. My Cap One QS and Amex. So far no problems. I don't carry a big wallet, just a card case with license, 2 credit cards and a debit card. 


Message 16 of 33
Anonymous
Not applicable

Re: How Many Cards To Carry

Guess im the only one that carries about 6 cards in my wallet lol.....

Message 17 of 33
Gmood1
Super Contributor

Re: How Many Cards To Carry

No you're not Geekycreditguy. I carry 19 cards in mine. Lol
Message 18 of 33
mr_awesome
Established Member

Re: How Many Cards To Carry

I had a store refuse a Debit MasterCard, but everything else was fine.

 

I also had a Subway once say no to my Discover card, but I swiped it anyway and it went through Smiley Very Happy

Payding down debt to prep for a mortgage.

Cards in my wallet: Amex Gold, Chase Sapphire Preferred, Lowes Advantage

Sock drawer: Lots of old store cards and not great no-rewards cards for history and utilization padding, some lame no AF cards I drunk-apped

Next Cards: AMEX Everyday and Chase Freedom?
Message 19 of 33
red259
Super Contributor

Re: How Many Cards To Carry

I have a bunch of cards but only carry 3. Freedom card for the current restaurant category, the CSR for travel expenses and my amex business blue card that gets me 2 pts on all non bonus spend and then will give me an extra bonus at the end of the year. I currently have the amex business gold which I just got an offer on that will give me 50k points for 5k spend in next three months. Given that I will probably use that card for all non-bonus spend until I get the bonus. 

;
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 20 of 33
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