How many credit cards do you carry around?

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ScoreOnTheRise
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How many credit cards do you carry around?

Postby ScoreOnTheRise » Sat Aug 16, 2014 1:02 pm

This questions is directed more at those who do not carry purses. I tend to be a minimalist. I hate bulk in my pockets. I'm a man (do not carry a purse or a "murse") and all I care to carry in my pockets are my phone, keys (and then only the truly essential for daily use) and a thin wallet (a Würkin Stiffs with only 4 main slots, I love Würkin Stiffs wallets!).

In those 4 slots I keep my drivers license, a debit card (only for ATM cash withdrawals), and my two most frequently used credit cards. I also have a backpack i tend to lug around to work or when traveling, but otherwise leave at home. In my backpack I have a larger travel wallet where I keep my other credit cards.

I'm curious, how many credit cards do you carry in your pocket? Do you find that you use them all, or do you have cards in your wallet that rarely see the light of day? I'm interested in how other men who have a number of credit cards keep organized.
American Express PRG [NPSL]
Chase Sapphire Preferred [$25K]
American Express BCE [$20K]
Discover it [$18.5K]
Barclaycard Arrival World MC [$6K]
Citi Diamond Preferred MC [$4K]
Citi Home Depot Consumer Credit Card [$3K]
Citi Best Buy Visa [$2K]


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onion
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Postby onion » Sat Aug 16, 2014 2:09 pm

The main bulk that people deal with is caused by the wallet. I carry quite a bit of stuff with me, but a couple cards just stay at home.

Right now, its a bit more full than usual, but here's what I usually carry with me.

-Driver's license
-School ID (sometimes)
-Car and health insurance paper slips
-One debit card (sometimes)
-AmEx Everyday (1.2x MR points)
-AmEx Blue Cash Everyday (3% groceries)
-BoA Cash Rewards (3% gas)
-$20 or less in cash

Once my Platinum and Barclaycard come in the mail I'll ditch a couple cards for a bit to put more spend on the new ones and get my rewards.
FICO TU - 728 - 8/14
FICO EX - 716 - 7/14
FICO EQ - 740 - 7/14

Bank of America Cash Rewards - $2,400
Best Buy - $3,000
American Express Blue Cash Everyday - $8,000
American Express Everyday - $10,000
Discover It Chrome - $500 (AU on fiancée's card, helping her build credit)
American Express Platinum - NPSL
Barclaycard Arrival+ - $3,000
Capital One Yamacard - $11,000

popamode72
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Postby popamode72 » Sat Aug 16, 2014 2:17 pm

I just carry everything I have in my wallet though I'm working on leaving some stuff at home so it will be easier for me to take out whatever cards and stuff I actually need and use regularly.

Cash sometimes
Drivers license
Debit cards with BB&T, Bank of America, Chase, Citi, Paypal (linked up with the PayPal Smart Connect account) and Wells Fargo
My drivers license
Library card
Sam's Club membership and also memberships with Best Buy and Walgreens
Health care plan card
School ID with the Discover network logo on it
Most of the credit cards I have now.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

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PlyrStar93
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Postby PlyrStar93 » Sat Aug 16, 2014 2:26 pm

During a normal go-out (like out for school, meals, shopping and etc) I only carry:
-Student ID card
-Ventra card for CTA
-two credit cards designated for best rewards based on the purpose of the go-out
* e.g. I will pick the Citi Forward when going for food, Chase Freedom for gas station purchases this quarter, and etc.

What I usually carry is actually not a wallet, just something like a card bag. I never put cash into it.

My wallet has cash, debit cards, and the other credit cards. The wallet will be carried only when going far away for a relatively long time, or otherwise I need debit cards (like going to bank).
Citi Forward Visa $5000 10/2012 | American Express Blue Cash Everyday $8000 2/2014 | Discover it $7000 5/2014
Chase Freedom Visa Signature $7000 6/2014 | Citi ThankYou Premier Visa Signature $5000 1/2015
All EMV.

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djrez4
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Postby djrez4 » Sat Aug 16, 2014 2:32 pm

Three, rarely four. Which ones depend on what country I'm in.

In the USA, I have the CSP, Freedom, and Everyday Preferred.

In Europe, I have the CSP, Arrival, and Platinum.

In China or Japan, CSP, Arrival, Platinum, and Discover (JCB and Unionpay).
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]
[/RIGHT]

mathman314
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Postby mathman314 » Sat Aug 16, 2014 3:36 pm

I usually carry around my phone wallet, which has
  • Chase Freedom
  • Discover
  • Student ID
  • Driver's License
My 1FBUSA cc stays at home collecting dust. It might see the light of day again if I need to make a $2300+ purchase, just feel compelled to use it, or 1fbusa wants me to use it to see a transaction.
Cards:
1FBUSA: 5.75k
Discover IT (for students): 4.6k
Chase Freedom (signature): 5k
Target REDcard: 1.5k
AmEx BlueCash Everyday: 5.5k

FICOs:
TU - 785 (December 2015)

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CarefulBuilder14
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Postby CarefulBuilder14 » Sat Aug 16, 2014 4:05 pm

I carry a big, fat, 1.75 inch thick Coach wallet with:

A pull-out section that holds my driver license, professional ID, and a small piece of paper with Chase and Discover rotating categories
Voting district reminder card
Business cards for freelance work
Chase Freedom
Gym ID
Health Insurance ID
A discount card to a pharmacy I haven't been to in ages *removed*
Professional trade association ID
Chase debit
Discover It
Library card
Blood Donor ID
Old College ID *removed*
Grocery discount card I use only when on vacation *removed*
Bone marrow donor card *removed - they'll just call me*
Grocery discount card for local store
Amex BCE
Amex PRG
Starbucks reloadable gift card
Gift cards to a gas station I don't use *removed and considering resale*
A few blank checks
Glasses and contact lens prescription
About a dozen postage stamps
Cash

I do keep the everyday things easily visible - credit cards except PRG, and the grocery, gym, library, and health insurance IDs. It helps that several are transparent.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

benhollberg
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Postby benhollberg » Sat Aug 16, 2014 9:59 pm

I try not to carry a lot for cards with me. I only carry in my wallet a certain amount of cash at all times, drivers license, old school ID which for some reason still works for the public transit system, CFP and one check just in case. The cards are the AMEX Platinum, Costco, Business Gold, Chase Marriott, CSP, Ink Bold, and bank issued credit card the extremely rare ATM withdrawal.
American Express Platinum Card
American Express TrueEarnings Card from Costco
Marriott Rewards Premier Visa Signature Card
Chase Sapphire Preferred World MasterCard
Discover It

Darrvao777
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Postby Darrvao777 » Sat Aug 16, 2014 10:04 pm

I'm a minimalist as well

Amex Platinum for everything

Marriott Premier for anyplace that doesn't accept Amex (which in NYC is pretty much just certain parking meters)
- Amex Platinum
- Chase Sapphire Reserve
- Visa Fidelity

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CarefulBuilder14
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Postby CarefulBuilder14 » Sat Aug 16, 2014 10:50 pm

I took out a lot of the contents, but the wallet only got 1/4 inch thinner, and the leather is loose and the cards can slip out if I hold it upside down and shake it.

So it goes back to the way it was - stuffed, but well-organized by how often something is needed.

Happy to see my gym ID gets more use than any other card - especially my health insurance!
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when



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