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Hey long time lerker, learned a lot of great little tidbits on the site... much knowledge here. Well today I decided to jump in and get my feet wet with my first post.
So here's an Ice Breaker of a question to you all.
What's your go-to Card for each of these Categories
Everyday Card: the Card you use for Everyday basic Purchases (Grocery Store, Clothing, Drug Store, Restaurants, Pay Bills with, Buy Gas, Transit Fares, etc) and you Pay it in Full Every Month.
Big Ticket Card: the Card you use for Big Ticket Purchases (Furniture, Electronics, Appliances, Repairs, Vacations, Uncle Sam Payments, Christmas Shopping, Etc) anything you may need to carry a balance on or charge more than $3K on it at one time.
Emergencies ONLY / Credit Reporting Purposes ONLY: these Cards are Open Lines but Dormant / Not In Use Cards...You rarely touch these cards if EVER!.....They're only Open to Serve your Credit Report (Average age of Accounts, Debt to Credit Ratio)
For me:
Everyday - Discover Card
Big Ticket - Citi Thank You Preferred
Emergency / Credit Reporting ONLY - Capital One Plat (Oldest Card, still with only 1K Credit Limit, LOL), Philly Credit Union Visa, Citi Platinum Select, Amazon Rewards from Chase.
Everyday - Amex (if accepted by the vendor, otherwise Citi AAdvantage)
Big Ticket - CSP
Emergencies only - most of the rest of them. I do small purchases (like an occasional soda or cofee) to show activity, and pay them off before the statement cuts.
@Blackbeauty212 wrote:Hey long time lerker, learned a lot of great little tidbits on the site... much knowledge here. Well today I decided to jump in and get my feet wet with my first post.
So here's an Ice Breaker of a question to you all.
What's your go-to Card for each of these Categories
Everyday Card: the Card you use for Everyday basic Purchases (Grocery Store, Clothing, Drug Store, Restaurants, Pay Bills with, Buy Gas, Transit Fares, etc) and you Pay it in Full Every Month.
Groceries BCP
Clothing Chase Freedom (Kohls UR mall)
Drugstore Chase United Club
Restaurants Citi Forward
Billpay Chase United Club
Gas Chase Ink or Freedom
Transit fares Chase Sapphire
Big Ticket Card: the Card you use for Big Ticket Purchases (Furniture, Electronics, Appliances, Repairs, Vacations, Uncle Sam Payments, Christmas Shopping, Etc) anything you may need to carry a balance on or charge more than $3K on it at one time.
Chase United Club for everything else
Emergencies ONLY / Credit Reporting Purposes ONLY: these Cards are Open Lines but Dormant / Not In Use Cards...You rarely touch these cards if EVER!.....They're only Open to Serve your Credit Report (Average age of Accounts, Debt to Credit Ratio)
Orchard Secured Credit card
Capital One Platinum
For me:
Everyday - Discover Card
Big Ticket - Citi Thank You Preferred
Emergency / Credit Reporting ONLY - Capital One Plat (Oldest Card, still with only 1K Credit Limit, LOL), Philly Credit Union Visa, Citi Platinum Select, Amazon Rewards from Chase.
I also mix Starwood in there as well.
Everyday: Either the CS or Freedom, if it falls into a rotating category
Big Ticket: CS
Credit Reporting: TD and Orchard Bank
Also distantarray, I hope you know we're getting those secured deposits back from the Orchard! Our cards are now unsecured can't wait to see what Cap One may do with them now!
Everyday
gas: freedom when it's 5% or bank of America cash rewards
groceries: bcp
drugstore: freedom when it's 5% or csp
everything else goes to csp
Big ticket
csp
emergency only
bank of America cash rewards...I only use it maybe a few months out of year when gas isn't in the chase freedom category
it definitely always depends on which card will give you the most rewards for that purchase
Everyday Card: I use the Fidelity Amex or the Cap One 1.5% card if they don't take Amex. BCP on groceries.
Big Ticket Card: I use the Amazon store card for the 0% APR and US Bank Cash+ for the 5% on department stores plus it has a huge CL.
Emergencies ONLY / Credit Reporting Purposes ONLY: I use the BofA Travel Rewards for this because of the nice CL and 9.9% APR.
Hmm lets see.
Everyday Card:
Gas: I use my BOFA Cash Rewards card until statement reporting time, and then switch to my PRG to get 3X gas points.
Groceries: I usually don't grocery shop much. But when I do I usually the 2 Cards mentioned above.
Food: I either use my Discover More for this Quarter or the rest of the time I use my Forward card, If I am going to a little bit more upscale place to eat, then I use my PRG.
Phone Bill and various other subscriptions: Citi Forward.
Random purchases and Drug Stores: BOFA Cash Rewards card.
Big Ticket Card: This one is a toss up between my Discover More and my PRG.
Emergency Card/ Credit reporting: I like my BOFA Cash Rewards card and am leaving it open, but I hope to go for the BCE and if I do get approved and probably then will cut down use on my Cash Rewards card unless it is for minor purchases.
I hope to go for the BCE and the Freedom and those two will probably become my most used cards if I do get approved, but right now I'm not in any rush for new cards so that is all I've got right now.
@Blackbeauty212 wrote:Hey long time lerker, learned a lot of great little tidbits on the site... much knowledge here. Well today I decided to jump in and get my feet wet with my first post.
So here's an Ice Breaker of a question to you all.
What's your go-to Card for each of these Categories
Everyday Card: the Card you use for Everyday basic Purchases (Grocery Store, Clothing, Drug Store, Restaurants, Pay Bills with, Buy Gas, Transit Fares, etc) and you Pay it in Full Every Month.
Big Ticket Card: the Card you use for Big Ticket Purchases (Furniture, Electronics, Appliances, Repairs, Vacations, Uncle Sam Payments, Christmas Shopping, Etc) anything you may need to carry a balance on or charge more than $3K on it at one time.
Emergencies ONLY / Credit Reporting Purposes ONLY: these Cards are Open Lines but Dormant / Not In Use Cards...You rarely touch these cards if EVER!.....They're only Open to Serve your Credit Report (Average age of Accounts, Debt to Credit Ratio)
For me:
Everyday - Discover Card
Big Ticket - Citi Thank You Preferred
Emergency / Credit Reporting ONLY - Capital One Plat (Oldest Card, still with only 1K Credit Limit, LOL), Philly Credit Union Visa, Citi Platinum Select, Amazon Rewards from Chase.
Everyday Card: Chase Freedom
Big Ticket Card: Barclays Rewards World MC / PSECU Visa
Emergencies ONLY / Credit Reporting Purposes ONLY: Discover IT (Strictly because of lack of CLI's)
Everyday Card: Chase Freedom - for obvious reasons
Big Ticket Card: Discover It - because of the extra warranty feature and 90 day price protection
Emergencies ONLY / Credit Reporting Purposes ONLY: Fulton Platinum - Non reward | AAoA purposes
Gas- Chase Freedom for 6 months in a year with 5% cash back
Gas- PenFed for remaining 6 months of the year for 5% cash back
Grocery- Blue Cash Preferred- 6% cash back
Walmart- Priceline visa with 2% cash back- No annual fee
Sams club- Citi Dividend world master card- 1.5% cash back- No annual fee
Costco- Amex Costco
Air ticket- Use Ultimate Rewards and Chase Sapphire Preferred.
Bill Pay- US Cash + as 5% cash back category for now which is going away next month
Fast food- Citi Forward
Movies- Citi Forward
Foreign purchases- Chase Sapphire Preferred.
Restaurant- 5% cash back category on Cash +
Drug stores- Any 5% cash back covered in rotating category. Currently Citi Dividend & Chase Freedom
Xmas shopping- Discover with $1500 any online purchase 5% cash back.
Many more less used cards