Since a lot of us use our citi Custom Cash(es) as fill-ins for our quarterly 5% rotators that might be missing an important category that quarter, I started thinking about what the statement/payment due date should be for the CC. Since the citi CC is 5% highest spend per billing (not per calendar month), shouldn't we try to have the billing cycle align with the beginning of a quarter (i.e. beginning (or end?) of each calendar month)?
I looked and both my CCs had statement dates in the 20's. I think that means I run the risk of 20+ days of 1% (instead of 5%) in a certain spend category, if the beginning of the month started a new quarter and I switched my CC spending from, say, gas to dining to work with my rotators. It's after 1am, but am I making sense? lol
I changed both my CCs to the 1st of the month (I thought about the end the month but I couldn't pick higher than the 28th). Is the 1st the right move for the citi CC? Particularly when I might want to change my highest spend cat to align with the start of a new quarter?
Thanks in advance all! 
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Do you still use the AOD? Recommend? Is it for everyone or only members of something?
Starting Score: 789
So, let me get this straight: you carry 6 cards in your wallet (3 rotators, AOD, and 2 CCC) and shuffle them all around for various spending categories each month/quarter? Each card for one category of purchase? And the cards that get used for each category change all the time? Pretty much 5% a cross the board except for AOD? Do you also carry all your 5% store cards? Man, that seems like an bear to keep organized.
@Anonymous wrote:@
If I didn't have my 7 day drivers in my wallet how could I category spend?
I'm new to this CC game. Not sure what you mean by this.
@Anonymous wrote:Then wouldn't you want your statement to close on the 1st not due on the 1st? Or close as close to the first they allow (2nd,3nd) ?
@Anonymous is correct. I have my Citi cards set to a due date of the 27th. My statements usually close on the 1st.
@Anonymous wrote:
If I didn't have my 7 day drivers in my wallet how could I category spend?
"Non category spend " 
@Kforce wrote:
@Anonymous wrote:
If I didn't have my 7 day drivers in my wallet how could I category spend?
"Non category spend "
Load some of the cards into a mobile wallet? I have over a dozen credit cards, but I rarely carry more than 3 at a time in my wallet. The others are used online, or rotated in/out as needed. My rule is for the 3 carried cards to be from 3 different banks and on 3 different payment networks.
@Kforce wrote:
@Anonymous wrote:If I didn't have my 7 daily drivers in my wallet how could I category spend?
"Non category spend "
Right?
@Varsity_Lu wrote:
@Anonymous wrote:@If I didn't have my 7 daily drivers in my wallet how could I category spend?
I'm new to this CC game. Not sure what you mean by this.
What I mean is if I had one or two cards that included all my catagories I would only carry the one or two.
I have 7 cards that cover my categories and I carry them all. I have 3 that don't need to travel.
(And add two debit cards to the 7)
I had 6 cards and 4 at home until a few weeks ago. I went to the pharmacy and didn't expect a charge. Was suprised at the $15 bill and didn't have the correct card with me. I lost .52 cents because I used the wrong card.
@NoHardLimits wrote:
@Kforce wrote:
@Anonymous wrote:If I didn't have my 7 daily drivers in my wallet how could I category spend?
"Non category spend "
Load some of the cards into a mobile wallet? I have over a dozen credit cards, but I rarely carry more than 3 at a time in my wallet. The others are used online, or rotated in/out as needed. My rule is for the 3 carried cards to be from 3 different banks and on 3 different payment networks.
Mobile wallet? Let me tell you what I think about giving all my CCs to one corporation AND handing them my aggregated spending data.
*Multiple Egregious TOS Violations*
Now I have that off my chest. "Card in hand" is "Card in hand"
@Anonymous wrote:
@Kforce wrote:
@Anonymous wrote:If I didn't have my 7 day drivers in my wallet how could I category spend?
"Non category spend "
Right?
@Varsity_Lu wrote:
@Anonymous wrote:@If I didn't have my 7 day drivers in my wallet how could I category spend?
I'm new to this CC game. Not sure what you mean by this.
What I mean is if I had one or two cards that included all my catagories I would only carry the one or two.
I have 7 cards that cover my categories and I carry them all. I have 3 that don't need to travel.
(And add two debit cards to the 7)
@NoHardLimits wrote:
@Kforce wrote:
@Anonymous wrote:If I didn't have my 7 day drivers in my wallet how could I category spend?
"Non category spend "
Load some of the cards into a mobile wallet? I have over a dozen credit cards, but I rarely carry more than 3 at a time in my wallet. The others are used online, or rotated in/out as needed. My rule is for the 3 carried cards to be from 3 different banks and on 3 different payment networks.
Mobile wallet? Let me tell you what I think about giving all my CCs to one corporation AND handing them my aggregated spending data.
*Multiple Egregious TOS Violations*
Now I have that off my chest. "Card in hand" is "Card in hand"
I'm beginning to see how seriously you all take this stuff. I carry the same three cards all the time and the categories never change, and I still have to think about which card to pull out. It drives me nuts. I'd go insane if I had the complexity you have. Hats off to you. It's impressive that you can keep it all straight. I wouldn't be able to.