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

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Super Contributor

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

I have 2 wallets. My main one has the PayPal, discover, and amex plus I try to carry $100. All my other credit and debit are in the other. Almost all of them are loaded in my digital wallet and I only bring the second with me if I'm heading out with no plan in mind.








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Message 61 of 67
Regular Contributor

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

I actually carry way more than I should and have been thinking a cleanup is needed. 
Right now I have:
  Citi Premier

  BarclayCard

  Discover

  CarCare

  Amazon Prime Visa

  Cap One

  USBank Cash+

Much of the time I pay with Samsung Pay too which makes carrying cards nearly redundant. The problem is they all offer different points for use so its hard to give any up. I am thinking of going down to cash+, discover, and citi. If I decide to try for an amex gold than I would add that, but I havent decided yet. I did figure that the points I would earn would be worth far more than going BCP especially with that initial bonus. I use all rewards basically for amazon so there is that.













Message 62 of 67
Regular Contributor

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

3

 

Amex Gold, Discover It and when neither of those are allowed I have my Chase Freedom. If no credit cards are allowed I always have a $20 that I carry on me at all times. Now if the ego needs a boost I toss a $50 in there, LOL! 

 

Smiley Sad

 

 

Cap1 Quicksilver || Amex Gold || Amex BCE || Discover IT || Chase Freedom || BofA Travel || FNB Omaha Platinum Visa
Message 63 of 67
Frequent Contributor

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

1 Chase debit card, in case I need cash.

2 Chase Visas (CSP/CFU) for all my spending.

2 non-Chase Mastercards (Citi/Cap1) so that all my eggs aren't in the Chase basket, and for the extremely rare time when someplace takes MC but not Visa.

 

Those are incidently also the only 4 credit cards I own Smiley Very Happy

    Total CL: $20,600
Fico 8 Scores:
12/2018:
03/2019:
06/2019:
07/2019:
Goals:   550 by 12/2018 600 by 3/2019   650 by 6/2019   700 by 9/2019   750 by 12/2019
8 derog. (all settled 1/2019)     |     Inquiries: 10, 9, 6     |     AoOA: 10.5yr     |     AAoA: 5.2yr     |     AoYA: 0.1yr
Message 64 of 67
Moderator Emeritus

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


@Brian_Earl_Spilner wrote:

I have 2 wallets. My main one has the PayPal, discover, and amex plus I try to carry $100. All my other credit and debit are in the other. Almost all of them are loaded in my digital wallet and I only bring the second with me if I'm heading out with no plan in mind.


Use the same policy on cards and carry cash similar in amount except, I do not have all the cards loaded into my Smart Phones as on several occasions when I received an mobile app update, the card was removed from the Smart Phone and I had to re add the card(s). Got tired of doing it and quit. Smiley Frustrated

Starting Score: 000 Fico
Current Score: 850 Fico EX08EQ08TU08
Goal Score: 850


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Message 65 of 67
Valued Contributor

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

  • One debit (emergencies and ATM) and one ATM (a different bank)
  • Chase Trifecta
    • F - 5% categories
    • FU - everything else
    • SP - most everything while working on the sub then SD
  • Disco It - 5% categories
  • Barclaycard Uber - restaurants
  • BofA CR - gas, groceries (Except at times like now when CF and Disco cover both of these at 5%!)

TU FICO 8: 767 (5/19) — Ex FICO 8: 764 (5/19) — Opinions are my own and not the views of my employer
Message 66 of 67
Valued Member

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

I use 2  6 slot plastic inserts that I can swap out into my wallet and keep a low profile in my pocket.

One group I frequently keep in my wallet are:

My bank's debit MC and it's Mastercard World CC

My credit union's debit MC and it's Visa Cash Back CC

Quicksilver and Quicksilver One

 

Second group when travelling:

AmEx Platinum

Marriott Bonvoy Brilliant

Hilton Honors Ascend

Blue Cash Everyday

Discover It Chrome

Discover It Cash Back

 

 

Message 67 of 67