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How many credit cards do you guys carry with you daily?

Frequent Contributor

Re: How many credit cards do you guys carry with you daily?

 

 

Disc IT

CFU

CSP

C1 QS

Amex BCP

Chase debit

 

The above fit nicely, along with my DL and health insurance card, into a Ridge carbon fiber EDC wallet. It all comes together to make a very sophisticated presentation.

 

  

Message 51 of 61
New Member

Re: How many credit cards do you guys carry with you daily?

I carry the following:

Penfed Visa Signature - Gas and purchases at Walmart or the grocery store

Sapphire Reserve - Restaurant purchases

Amex Everyday - Purchases that can be used with an Amex offer

Freedom Unlimited - All other purchases, and transfer the points to the Sapphire Reserve

Message 52 of 61
Frequent Contributor

Re: How many credit cards do you guys carry with you daily?

My regular credit cards are:

Chase Freedom Unlimited

Chase Sapphire Reserve

Amex Platinum

Amex Gold

Amex Business Rewards Gold

 

My on/off credit cards which sometimes end up in my wallet:

Barclaycard Arrival

Amex SPG (Personal/Business)

Amex Delta Gold

Chase Freedom

Discover It

 

My regular non-credit cards:

Debit Card

Priority Pass Card

Driver's License

Message 53 of 61
Regular Contributor

Re: How many credit cards do you guys carry with you daily?

  • Amex Preferred Cash in case I go to the supermarket
  • Uber Visa - I'm always eating out
  • Discover It - In case I need to make a purchase in a 5% category and it's my highest CL
  • Pened Power Cash  for Misc purchases
  • Chase Debit Card 
As of Jan 2009: EX - 659 EQ - 666 TU - 681

As of 2/13/09: EX - 648 (My last EX Fico)
Message 54 of 61
Contributor

Re: How many credit cards do you guys carry with you daily?


@FightingForRedemption wrote:

I carry all of them....I don't have many, so they don't take up much room.

 

On days when I'm feeling down, I open up my wallet & look at the shiny preciouses and it gives me a feeling of pride seeing how far I've comeSmiley Wink


LOL! I totally get it! I only have my Green Dot secured card, but it is my precioussssss too!

 

Right now I carry my Green Dot, my Discover debit card (because at least I get 1% back on it), my Unify CU debit card (with the LA Rams logo on it!), and a Wells Fargo debit card. I need to make 10 charges a month on the Wells Fargo so there's no fee (so I usually buy little cheap things as I don't have much in my WF checking account). When I'm able to, I'll put more money in my WF checking account to avoid fees that way. My plan is to use Unify debit mostly in the future (for debits) and then whatever credit cards I get whenever I get them.

 

Right now it's just the little Green Dot with its $200 limit which I try to keep under 9%. 

FICO8: Nov 20, 2018:
FICO8: Jan 13, 2019:
Goal for December 2019: FICO 640-700
  Walmart Store Card
Green Dot Secured Visa! Oooooh!

Starting Score: 539
Current Score: 616
Goal Score: 760


Take the myFICO Fitness Challenge   |   My credit recovery journal
Message 55 of 61
Regular Contributor

Re: How many credit cards do you guys carry with you daily?

  1. Citi Costco - gas & costco
  2. AMEX BCP - groceries
  3. Discover Miles - EVERYTHING else!
Message 56 of 61
Established Contributor

Re: How many credit cards do you guys carry with you daily?

This was interesting to read thru. My lineup slightly varies at times, but for the most part it's farily stationary and geared towards cash back

 

  • US Bank Cash+ VS // All Dining @ 5%/2% -- it's funny how many "real" restaurants still gets 5%
  • Amex BCP // Anything Groceries @ 6% 
  • Citi Dividend WMC // Anything Gas Stations @ 5% for Q1 2019, when over back to USAA Amex @ 5%
  • Everything Else // USAA Limitless @ 2.5%
  • Chase debit card

All other cards stay at home unless I have a specific purchase and a card for it.

Message 57 of 61
Valued Contributor

Re: How many credit cards do you guys carry with you daily?

Venture VS

Savor WEMC

Discover

Propel Amex

Uber VS

Ducks VS

Lowes

Credit rebuild started in 2014  -  $100k total unsecured credit in 2017  -  $200k total unsecured credit in 2018.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

10% Rotating - Discover                             5%-20% - Amazon & Lowes                                5% Gas & Sporting - Ducks Unlimited
4% Dining & Entertain - Savor                   3% Travel & Hotels - Propel & Uber                   2% Everything Else - Venture


    $ 30,000           $ 28,500          $ 25,750          $ 17,500          $ 11,500             $8,000             $ 7,500              $ 4,000              $ 3,500

                                                     
                                                                   $ 30,000           $ 10,000           $ 10,000           $ 7,500   
Message 58 of 61
Senior Contributor

Re: How many credit cards do you guys carry with you daily?


@mr_suave wrote:
I carry 4 credit cards on me at all times. These cards are Amex Gold, Venture, Citi Premier and Savor. All of these cards pretty much cover all of the purchases I make.

I also carry a debit card that I rarely use but I just like having one in the event I need to get cash out for an emergency.

How many do you carry?

Five personal CCs and one corporate CC. No debit cards.

AMEX Green charge card

Discover More card

AT&T Universal Citi Mastercard

Fidelity Visa rewards card

Best Buy store card

Chase Ink Business Visa

Fico 8: .......EQ 850 TU 850 EX 850
Fico 9: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
VS 3.0:...... EQ 835 TU 835 EX 835
Fico 8 BC:. EQ 892 TU 900 EX 900
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 59 of 61
Frequent Contributor

Re: How many credit cards do you guys carry with you daily?

I have 16 cards... I think? I carry the Platinum, Ritz, Venture, Amex SPG, Barclay Arrival + and Chase IHG as my rotators.. 

Message 60 of 61