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IF IF you could only carry TWO cards for the rest of your life

expatCanuck
Super Contributor

Re: IF IF you could only carry TWO cards for the rest of your life

The only times CSR and  Uber Visa don't cover most of my spend are with rare househod furnishing purchases.


2022 Goal: save 3 months' net income


Starting FICO8: 666 (give or take)
EQ8237 INQ (3 CC, 2 mort, car, CU loan)
EX8067 INQ (5 CC, 2 mort)
TU8293 INQ (1 CC, 2 mort)
3/24< 1%AAoA 7.4y (and plummeting) | AoYA 0m | AoOA 22.7y
[ Last INQ 14-Oct-2021 ]
Message 31 of 52
Gunnerboy
Frequent Contributor

Re: IF IF you could only carry TWO cards for the rest of your life

AMEX Gold
BECU Visa


"Not everyone who helps you is a friend, and not everyone who challenges you is an enemy."
Message 32 of 52
n_la
Frequent Contributor

Re: IF IF you could only carry TWO cards for the rest of your life


@Anonymous wrote:

LOL @ the idea of being stuck with a bipolar Barclays card for the rest of my life! smiley-laughing021.gif


+ 1 what they said 👆🏾


06.2019

03.2018

NFCU CLOC: $15,000
Message 33 of 52
CJ7
Frequent Contributor

Re: IF IF you could only carry TWO cards for the rest of your life

Oh this is too easy.  AU cards on Jeff Bezos' Amex Platinum and CSR accounts!


Message 34 of 52
FireMedic1
Super Contributor

Re: IF IF you could only carry TWO cards for the rest of your life

I'd say my Savor 4%CB and BB&T 3% gas CB. Use the Savor everyday for breakfast, dates, entertainment, and groceries. BB&T for getting lunch for 2nd job, gas, and other things in store.






Homeowner since Sept 2020. My posts are JMHO. My siggy is not to brag. Just sharing my experiences after BK from learning here from rebuild to recovery from the @ 540's.
Message 35 of 52
CreditMaven1
Contributor

Re: IF IF you could only carry TWO cards for the rest of your life

1) AMEX GOLD
2) Chase Visa (either CSR or Southwest) for times Amex isnt accepted.
Credit Score - 810+, Gardening , TCL - $367k, Largest CL - $96k (Chase Southwest Priority), Oldest Card - 28 years (Amex).
Message 36 of 52
kdm31091
Super Contributor

Re: IF IF you could only carry TWO cards for the rest of your life


@Anonymous wrote:

LOL @ the idea of being stuck with a bipolar Barclays card for the rest of my life! smiley-laughing021.gif


If you're just going to use two cards and thus not opening any new cards or having inquiries, things would be just fine with Barclay. They're not bipolar per se, but very sensitive to new inqs/accounts. Absent that, one should be fine.

 

For purposes of this thread, probably my BOA Cash Rewards and Discover IT just because they're my oldest two. lol

Message 37 of 52
tigereyes
New Contributor

Re: IF IF you could only carry TWO cards for the rest of your life

I would have to hope that every merchant would take American Express cards. In that case, my two would be American Express Blue Cash Preferred and JCPenney. I would use the Amex card for everything, except for JCPenney, which is where I do most of my clothing shopping. That card comes in really handy for getting the much needed discounts there. If Amex still wouldn't be accepted everywhere, then I'd have to choose my blue cash card and Chase Freedom Unlimited. I'd in that case use Amex for gas and groceries and Chase for everything else.


US Bank Cash+ $5000 | Chase Freedom $1500 | JCPenney $1500 | Bank of America Cash Rewards $500 | Discover It Cash Back $3500 | American Express Blue Cash Preferred $6000 | Chase Freedom Unlimited $1500

 



On radar:
Message 38 of 52
NRB525
Super Contributor

Re: IF IF you could only carry TWO cards for the rest of your life

AMEX Gold due to revamped earning and transfer capabilities.

Diners Club Premier as a global Chip+PIN, lounge access MC with many of the transfer partners aligning / supplemting the MR partners.
High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
Message 39 of 52
UpperNwGuy
Valued Contributor

Re: IF IF you could only carry TWO cards for the rest of your life

I'm already down to two cards.  See my signature below.

Daily Carry: PenFed Power Cash • NFCU Flagship • NFCU More Rewards • Chase Freedom Unlimited
Sock Drawer: PenFed Promise • NFCU cashRewards • Chase Sapphire Preferred • Chase Freedom • Chase United MileagePlus • UNFCU Azure
Message 40 of 52
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