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@jamesdwi wrote:Total utilization under 1%
No late’s or derog’s on any reports.
Is it covid lock down, or am I just burned out on credit cards, they are a tool, use them often, anyone else getting bored with credit cards?
It's not burnout, it's just that you've settled into normal credit card usage.
The above is all the matters. All your other checkboxes are unnecessary.
I also wouldn't sweat "leaving money on the table" as its insignificant amounts. If you're comfortable with your spend patterns and are happy with the returns you're getting, all is well.
I wish I could find a card I/We really want, but right now, admittedly a little burned out after applying for cards over the past 2 years.
Currently, I've got only 2 cards open:
1. Chase Freedom
2. Texas Exes Amex issued via Bank of America.
Wife has:
1. Citi AA Exexutice Mastercard
2. A local credit union card that she's had since before we got together.
I'm with you on the burnout. I suppose it's a good thing I went in the garden.