No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
USAA - tradeline farm
DCU - tradeline farm
Walmart - well sigh, actually used it the other day since I was looking for something I knew Walmart had it and figured I'd generate a statement or two from the purchase.
Mostly SD'd:
Freedom - if it's not a useful quarter, or if I've maxxed out the rewards, natch
BOFA Travel Rewards - only used for forex purchases of which I haven't made any this year so far
Zync - big purchase card, likewise haven't been many in about six months and not likely to be any in the near future
Hrm, I really only have two general purpose cards (BCP / Fidelity Amex), and the business card that I use consistently. Everything else has subpar rewards. Guess I need to yank the Freedom off the SD list as I should carry a personal Visa around too once this quarter is up.
I have the Slate in the sock drawer because I don't use it and it doesn 't give me any points. Ended up transfering most of the limit to the Freedom since I use it a lot more.
Tickets to the Rush concert a year and a half ago that I lost....
Tickets to the Airborne Toxic Event w Calder Quartet at Red Rocks concert that we didn't go to because my dad got pneumonia and we couldn't fly to Denver
Tickets to the upcoming County Fair including parking, rides, food vouchers, etc. (a lot cheaper if you buy ahead of time at Costco)
Tickets to Rounds 2 and 3 of this year's NCAA Men's BB Tournament
Tickets to Elton John at Cesars Palace in Vegas a few years ago
Tickets to Airborne Toxic Event a few year's ago at Disney Symphony Hall
I should go through and clean the unused credit cards out of my wallet though
@sailor_mercury wrote:Tickets to the Rush concert a year and a half ago that I lost....
Tickets to the Airborne Toxic Event w Calder Quartet at Red Rocks concert that we didn't go to because my dad got pneumonia and we couldn't fly to Denver
Tickets to the upcoming County Fair including parking, rides, food vouchers, etc. (a lot cheaper if you buy ahead of time at Costco)
Tickets to Rounds 2 and 3 of this year's NCAA Men's BB Tournament
Tickets to Elton John at Cesars Palace in Vegas a few years ago
Tickets to Airborne Toxic Event a few year's ago at Disney Symphony Hall
I should go through and clean the unused credit cards out of my wallet though
well done.
1. Wells Fargo Rewards - WF gave us 2 free cards with mortgage, use WF Home Rebate for cell phones, not the best reward card but high limit and old so SD'd
2. Citi AA Exec - met spend for sign up bonus
3. Amex Costco TE - only go to Costco a few times a year and got Amex Plat for better travel perks so use that at Costco instead
4. Macy's - don't shop there at all anymore (only keep it for age and good sales on All-Clad pots and pans)
5. Marriott Premier - use Ritz for Marriott/Ritz stays cause Ritz has better travel perks. Marriott will most likely get axed soon since anniversay Category 5 certs are useless for me now with recent deval.
6. CSP - been using Freedom and Palladium for UR combo and seem to always forget to put in wallet.
Shell Card - I can get a lower price at Costco or Walmart, especially with the Costco Amex and Walmart Discover
ShopHq - It was my second card that I got. I occasionally buy a watch on it with the 6 payments.
Cap One Platinum - my first credit card, the APR is the highest of any of my MC, Discover, Amex, and Visa Cards. I should close it, since it has an AF, but I think I'm going to keep it only because it was the first card I got after getting back in the credit game after 20 years of just having a debit card
Chase IHG MC - have other cards. It does have an AF, but I'm keeping it. Because you get one free night a year at any IHG hotels.
NFCU Cash Rewards - Only because its new, with my highest CL and I'm afraid to use it. Going to use the sucker when I go on vacation to New Orleans in August.
I have other cards.. I'm thinking I got too many cards. I can handle them all, but do I really need that many and that much CL?
Discover It
GE Amazon
Wells Fargo Visa
Pretty much all my cards are SD'd... well they are still in my wallet but I'm not using them until they are all paid off this fall and I can start fresh and get back to PIF like I used to.
a) 2 Penfed Plat Rewards cards: Since nerfing, use real 5x cards for gas. Use abroad for chip&pin, and 3x non-US supermarkets.
b) Citi Plat AA (Visa and Amex) no use except when redeeming AA miles
c) Citi TY Preferred (no use since 5x expired)
d) Citi Premier: nerfed too much, will cancel this month
e) US Bank Cash Plus for now. $2000 quarter spent
f) Cap One QS Visa Sig. User higher limit Plat instead
g) Amalgamated Bank. Don't even have the physical card anymore (they told me they wouldn't sent it, but kept the account open)
h) Chase Amazon (use Forward or Sallie Mae for better rewards)
i) Amex BCE (no use with better cards)
j) CSP: not doing travel, Forward better for dining for me (or Freedom this Q)