Credit card spend Let’s see it

[mgood]

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@sxa001 wrote:

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@mgood wrote:

Where do you find these charts?

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Spend summaries are available online or in the app of most cards or you could link your cards to something like Mint to view spend though categories aren't always accurate. 

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Ok. A couple of my cards give breakdowns like that, but I've never seen it listed across all cards. Thought maybe it was somewhere on myfico.com that I hadn't noticed yet.

[MyFault]

Too much hassle to screenshot and post, but I was at $54k between my CSR and CFU.

[iced]

So I looked at my CSR report after seeing this thread, and I don't know if I'm more ashamed of the fact I only spent $20k on dining/non-airline-travel or the fact that I once again screwed up and ran 175.29 in 1x spend because I mistook the business as falling under a 3x category. I can at least explain the grocery and shopping services as 3x promotions Chase ran during the shutdowns.

EDIT: For you American Express gurus, any idea why Delta Air Lines is multiple entries when other companies don't seem to be? Example:

[K-in-Boston]

@iced Different coding charges on DL will appear differently to their internal system as if they are from different merchants.  It's why a paid upgrade or cheap ticket won't trigger the airline credit but an additional fee paying the remainder of a partially paid ticket (with eCredit, voucher, or gift card) or baggage fee will.

[tacpoly]

$156,519.99

72% Merchandise

21% Restaurants

6% Miscellaneous

1% Services

[AverageJoesCredit]

Threads like this make me wanna give up on credit cards. To find shame in only spending 20k in restaurants, etc blows my mind. .  Ill gracefully exit to go buy a Pizza

[Bankrupt2019]

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@AverageJoesCredit wrote:

Threads like this make me wanna give up on credit cards. To find shame in only spending 20k in restaurants, etc blows my mind. .  Ill gracefully exit to go buy 1500 PIZZAS

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Here I fixed it for you

[Slabenstein]

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@AverageJoesCredit wrote:

Threads like this make me wanna give up on credit cards. To find shame in only spending 20k in restaurants, etc blows my mind. .  Ill gracefully exit to go buy a Pizza

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Hold up, let me check my budget.  If there's room for half a pizza, we can split it.

[Anonymous]

Interesting topic.

I have 3 cards that each serve their own purpose.  I'm also not a big spender compared to a lot on here.

For my Chase cards in 2020, and my BoA card in 2019 (no 2020 summary available yet):

Chase Amazon Prime Visa ($1500 limit):  Total spend $6,900 (avg. $575/mo)  Biggest categories were shopping (Amazon) $3769 and Bills/Utilities $2,569 (with their 4% on everything bonus I've been paying most of my bills with this card thru February)

Chase Freedom Unlimited ($3,000 limit):  Total spend $8,054 (avg. $671/mo).  Biggest categories are Bills/Utilities $1660, food/drink $592, groceries $920, home $1,208, shopping $2,123 and travel $643.

BofA Cash Rewards ($500 limit):  BofA hasn't given me a 2020 YE summary yet, but for 2019 my spend was $4,701, primarily "merchandise".  I mostly use this card for groceries and gas, and dining (until CFU started offering 3% for dining in 2020).  For 2020, I calculated my spend on this card based on the payments made 2/2020-1/2021 (which would cover charges made in 2020) and the total is $4,141, so a bit less than in 2019.  Average $345/mo.

That makes total CC spend in 2020 $19,095.  Chump change compared to some, maybe a lot to a few others.  Which is why I don't have, or need high limits.

2021 CC spend will likely be lower as bonus cash-back offers expire and I start paying my bills out of checking again, plus travel will be down this year again.

[Anonymous]

I charged slightly over $50k in expenses over Q3 + Q4 and all I got for it was a bunch of cash back. 

Numbers will probably be lower in 2021.