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what's in your wallet? 2015 edition.

Established Contributor

Re: what's in your wallet? 2015 edition.

Credit cards in my wallet:

 

-U.S. Bank Cash + (2% restaurants, 5% fast food & cell phone bill)

-Chase Freedom (5% groceries this quarter, restaurants next quarter)

-Sallie Mae WMC (5% gas & groceries - I'm currently giving Freedom all of my grocery purchases)

-Citi Doulbe Cash (uncategorized spend and bill pay)

-Amex TrueEarnings (Costco)

 

 

 

 

 

 

Message 41 of 56
Moderator

Re: what's in your wallet? 2015 edition.

Currently while a mortgage may be in the cards:

 

- Sallie

- Freedom (backup or when I have a useful 5% quarter - Chase's -> $0 on payment reporting actually helpful for this)

 

Everything else benched, other than the business Chase Ink sometimes.

 

After theoretical close or mortgage bust:

 

- Sallie (gas primary and Amazon goodness)

- Freedom (5%)

- Amex BCP (groceries)

- Fidelity Amex (everything else)

 

Bench:

- Zync (occasional real use)

- USAA 

- BOFA TR (should've PC'd this to BBR when I could've, may try anyway for giggles... if I start really travelling I'll get a different travel card but goto forex card still)

 

Cut:

- Walmart, though just got a pretty 0% offer in email today good till August sometime, and if mortgage hits, probably something they sell which I may need though not expecting cash shortfall post mortgage, if not it's generate a statement and cancel over the next two months.

- DCU secured -> normal DCU no rewards, similar time horizon or may wait till 2016 if mortgaged

 

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 697, TU 4 741, EX 2 735, EQ 8 729, TU 8 713, EX 8 732 (6/29/18)
Goal Score:    EQ 5 700, TU 4 700, EX 2 700, EQ 8 740, TU 8 720, EX 8 740 (01/01/19)


Take the myFICO Fitness Challenge
Message 42 of 56
New Member

Re: what's in your wallet? 2015 edition.

Here goes:

 

In my Wallet:

Discover It (rotating point categories)

BoA Cash Rewards (gas + groceries)

 

Sock Drawer (Bench):

Barclay Apple Rewards

Cap1 Platinum

 

Closing:

Cap1 Platinum (I've been able to get CLI's to keep UTIL low)

 

Working towards an AMEX EDC.

Message 43 of 56
Established Contributor

Re: what's in your wallet? 2015 edition.

I'll give it a go.

 

Starting Lineup
1. Chase freedom ( rotating category)
2. Discover It (rotating catergory)
3. Amex Original Blue (gas, grocery, drugstores)
4. Chase Ink (office supplies)
5. Amex Corporate Green (work)

Bench
1. Chase Sapphire (never use)
2. US airways (never use)
3. USAA Platinum (never use)
4. Chase Hyatt (never use)
6. Hilton Surpass (only at Hiltons)
7. Walmart cc (never use)
8. Chase IHG (only at IHG) 

9. Citi AA business (never use)



Cut (or will cut)
1. Amex BCP
2. Amex PRG
3. Amex Hilton Surpass
4. Chase United 
5. Chase CSP
6. Harvard Alumni CC
7. Citi Hilton Reserve

 

Draftees

1. Citi AA personal

2. Chase Southwest

3. Arrival +

4. Mariott Rewards

5. Wells Fargo

Last App March 23, 2015. Gardening until November 25, 2015
Current Score: 766 EX 734 EQ 780 TU 6/30/2015Starting Score/Goal Score: 580s/780s across the board
Message 44 of 56
Contributor

Re: what's in your wallet? 2015 edition.

Starting
• Discover IT (rotating category)
• Chase Sapphire Preferred (dining)
• Amex Green (for very large purchases)
• Marriott Rewards (stay frequently)
• JP Morgan Rifz (stay frequently)

Bench
• Cap 1 Plat
• Cap 1 Quicksilver

Cut

Might cut both Cap 1 cards

Looking to get

Chase freedom (point transfer with CSP)
Message 45 of 56
Regular Contributor

Re: what's in your wallet? 2015 edition.

So the right side of my wallet gave me the following:

PayPal Business Debit (currently not using)

HSBC Debit (currently not using)

Chase Freedom Debit

Discover Debit

Discover IT

Chase CSP

(Space for one more card in 6 months) Probably from NFCU

 

And the left side contains the following:

Freedom Sig

Amex Serve (currently not using)

Google Wallet MCSmiley Very Happy (currently not using)

BestBuy

Cap1 QuickSilver

Amex BCE

 

I should also put a note in there so everytime I open my wallet it would remind me to stay in garden Smiley LOL lol

 

|| Amex BCE $18,000 || QuickSilver WMC $8,500 || Freedom Visa Signature $10,000 || Discover IT $11,800 || BestBuy $2,800 || Venture Visa Signature $17,750 || NASA FCU Platinum Cash Rewards $7,000 || Amazon Store Card $20,000 || Overstock $11,500 || Lowe's $25,000 || NFCU Platinum $9,600 || Chase Marriott $10,000 || Chase FU $15,7000 || NFCU CLOC $15,000 ||
Message 46 of 56
Regular Contributor

Re: what's in your wallet? 2015 edition.

Starting line up:

 

1) Citi Double (Everyting)

2) Discover it(Gas this quarter)

3) Chase Freedom (Groceries and Movies)

4) BofA Cash Rewards (Preffered and BankAmerideals 10-20% cash back)

5) CSP (Dining)

 

Bench:

 

1) Amex TE (Gets on the field when I go to Costco)

2) Fidelity Amex

3) Amex Everyday

4) BofA Better Balance (Netflix)

5) Slate (0%BT on it at the moment)

 

Not cutting anyone at the moment lol but that could change 

My Wallet: BofACashRewards $12,500 || Amex EveryDay $12,000 || CSP $6,000 || Fidelity Amex $5,000 || Citi Double Cash $4,400 || Chase Freedom $4,000 || Chase Slate $3,000 || Discover it $3,000 || BofABetterBalance $2,900 || AmexCosto: $2,200 || ExpressStore Card 1,400

FICO Transunion: 730
Message 47 of 56
Established Contributor

Re: what's in your wallet? 2015 edition.

Wallet: Chase Marriott, Sam's Club MC, Delta Classic

Bench: Amex Senior Green, Amex PRG, Amex Costco, Amex ED, Amex Blue Cash, BOA CR, Priceline, Freedom, UF Alumni, Amazon, Forward, DoubleCash 1, TY Pref, Dividend WEMC, Hilton 1, Quicksilver 1, VentureOne, DCU, Discover IT, Fidelity Amex, 53 CR, 53 SU2c, PSECU, Penfed Plat Rewards, Macy's Amex, Target, Walmart MC

Cut: Hilton 2, DoubleCash 2, Quicksilver 2, Arrival +, DinersClub
FICO: EX: 740 (1/18); TU: 753 (12/17); EQ 777 (12/17)
Amex Blue Cash | Amex Mercedes Benz | Amex Schwab Platinum | Amex SimplyCash Plus | Barclays Uber Platinum Visa | Chase Amazon Prime Visa Signature | Chase Freedom Visa Signature | Chase IHG Premier World Elite Mastercard Discover IT Miles | Discover IT More | Lowes Advantage | Macys Store | NFCU Flagship Visa Signature | Penfed Pathfinder Rewards Amex | USAA Limitless Rewards Platinum Visa
Message 48 of 56
Member

Re: what's in your wallet? 2015 edition.

All of these are in my wallet, and I don't have any others. I'm such a simpleton.

 

Arrival + (everyday purchases)

AMEX Platinum (travel except airfare)

Delta Platinum (airfare, because I live near a Delta hub)

Message 49 of 56
Established Contributor

Re: what's in your wallet? 2015 edition.


cmg15e wrote:

All of these are in my wallet, and I don't have any others. I'm such a simpleton.

 

Arrival + (everyday purchases)

AMEX Platinum (travel except airfare)

Delta Platinum (airfare, because I live near a Delta hub)


Sometime simple is the way to go.

Last App March 23, 2015. Gardening until November 25, 2015
Current Score: 766 EX 734 EQ 780 TU 6/30/2015Starting Score/Goal Score: 580s/780s across the board
Message 50 of 56