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I'm not married, but my partner of almost 4 years couldn't care less about which purchase goes on what card. It's frustrating, but I'm not going to loose a second of sleep worrying about an extra 1% here or there. One hundred or two hundred dollars a year isn't worth a ruined evening in my book.
@wilde6 wrote:
I agree and I have calmed down. On the bright side my DW has seen the light we just received our first discover statement with $232 in cashback! My csp is at $74 in rewards and I'm not 1/2 way through my first statement. All for money we were going to spend anyway. My DW now gets it with a occasional missed swipe here and there and that's no big deal.
Again thanks to all for the advice and allowing me to vent.
Those numbers mean you're running at least $7,600 through the two cards this (each) month, and that's assuming around $3,000 of it (the CSP spend) was all dining/travel. If it was, you're much better served with the CSR rather than the CSP.
@wilde6 wrote:
I was considering the csr but the af was a bit more then I am comfortable with. We had a higher than average month on travel/dining due to mothers day and birthdays. I will do the math after a year and see if I can justify the high af.
If an average month is $1,000 dining/travel, you'll come out $185 ahead on the CSR over the CSP each year after the AF. Don't let the $55 difference in AFs scare you.
Every single person I know, my spouse included, is far less interested in credit stuff than I am.
So I come here
Just wanted to tag alone.
My wife is on point, took me a few months but got it done. Now, she's smart about which card to use and when. If i was starting to have issues when i was talking to her about it, i would had stopped, not worth it. I think you got enough advice lol.
Anyways, did you upgrade?