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I have put my Merrick Bank and Household Bank cards there, but's what's in yours? Why?
I put the Merrick Bank card there because it is the least useful card that I own. It has no rewards.
I also put the Household Bank card in the SD because it does not grow well since Capone took it over. The rewards are not bad and there is no annual fee, it is just not growing.
I also put the Walmart Card, Bealls of Florida Card, Belks Card, and Marathon Gas Card in the sock drawer as there really is no reason to use these cards anymore. Occassionally the Walmart Card is good for gas and special promotions, but there are no rewards with it so I might as well use a rewards card. The Bealls, Marathon, and Belks cards also have no rewards and therefore it makes no sense in using them.
My Macy's and Bloomingdale's card.
Doesn't make any sense for them to charge me any fees even when I PIF.
@bernhardtra wrote:I have put my Merrick Bank and Household Bank cards there, but's what's in yours? Why?
I put the Merrick Bank card there because it is the least useful card that I own. It has no rewards.
I also put the Household Bank card in the SD because it does not grow well since Capone took it over. The rewards are not bad and there is no annual fee, it is just not growing.
I also put the Walmart Card, Bealls of Florida Card, Belks Card, and Marathon Gas Card in the sock drawer as there really is no reason to use these cards anymore. Occassionally the Walmart Card is good for gas and special promotions, but there are no rewards with it so I might as well use a rewards card. The Bealls, Marathon, and Belks cards also have no rewards and therefore it makes no sense in using them.
Does your household bank card get 2% cash back on everything like mine does?
@NJTurnpike wrote:
@bernhardtra wrote:I have put my Merrick Bank and Household Bank cards there, but's what's in yours? Why?
I put the Merrick Bank card there because it is the least useful card that I own. It has no rewards.
I also put the Household Bank card in the SD because it does not grow well since Capone took it over. The rewards are not bad and there is no annual fee, it is just not growing.
I also put the Walmart Card, Bealls of Florida Card, Belks Card, and Marathon Gas Card in the sock drawer as there really is no reason to use these cards anymore. Occassionally the Walmart Card is good for gas and special promotions, but there are no rewards with it so I might as well use a rewards card. The Bealls, Marathon, and Belks cards also have no rewards and therefore it makes no sense in using them.
Does your household bank card get 2% cash back on everything like mine does?
No it has 2% on some things, but 1% on others. I have cards that get 3% and 5% on the same categories anyway.
Merrick Bank Visa (700) - Waiting for that letter that I've opened too many credit lines. If I get it, it gets cancelled. No YF, so I'll leave it open otherwise.
Cap 1 Cash Rewards Platinum MC (1000) - $39 YF - Just before the next YF hits, it's getting cancelled. It's not worth the YF to me.
Buckle Store Card (500) - Got it from the shopping card trick to help my util, but now that my limits are good on my prime cards, I have no use for it. I ordered a wallet from them once, but don't see myself shopping there. I'll leave it open. Once it hits the year mark, I may consider closing it.
My other cards gets used quite often.
@NJTurnpike wrote:
@bernhardtra wrote:I have put my Merrick Bank and Household Bank cards there, but's what's in yours? Why?
I put the Merrick Bank card there because it is the least useful card that I own. It has no rewards.
I also put the Household Bank card in the SD because it does not grow well since Capone took it over. The rewards are not bad and there is no annual fee, it is just not growing.
I also put the Walmart Card, Bealls of Florida Card, Belks Card, and Marathon Gas Card in the sock drawer as there really is no reason to use these cards anymore. Occassionally the Walmart Card is good for gas and special promotions, but there are no rewards with it so I might as well use a rewards card. The Bealls, Marathon, and Belks cards also have no rewards and therefore it makes no sense in using them.
Does your household bank card get 2% cash back on everything like mine does?
No it has 2% on some things, but 1% on others. I have cards that get 3% and 5% on the same categories anyway.
BCP: reached cap on groceries, back next year
Citi AA: use once every 18 months to maintain AA points (have to consider value of this!)
Amalgamated Bank. Well, don't even have a card for this (they sent a letter saying they would only send it if I asked, as I hadn't been using it). Still open though
US Bank Cash Plus. Just use for cell charges on auto pay
Barclays Rewards: Low CL, no advantage for rewards
Chase Amazon: Forward gives better rewards
Penfed x2: Used via speedpass. Will use for groceries next year
Cap One x2. One used for PerkCentral purchases only, both used for purchasing prepaid mobile time from international sites