- Centurion Member
- Posts: 1099
- Joined: Sun May 04, 2014 4:41 pm
- Location: Atlanta, GA
Despite the lower limit, I find myself using my Discover It quite regularly and sometimes their rotating categories are things I'm actually interested in using the card as well as their other offers where I can get some cashback by using the card at specific restaurants they sometimes have listed in their Discover Deals. Only major downside to it is the CL obviously and I'd like to get that increased to match some of my higher limit cards and maybe downsizing will help with that. Amex EveryDay and Chase SW cards have also become primarily go-to cards for me and I especially love getting an extra 20% bonus on my points if I do enough swipes with that one.
Citi I don't use anymore but continue to keep around because it's my oldest card and eventually if their policies change somehow in the next couple of months I'd still like to convert it to the Double Cash card, Wells Fargo I've sock drawered, and I'm planning on not using the Gold Delta Skymiles card as much of the others but still want to use it to handle larger expenses from time to time. Already got the 30,000 bonus Skymiles a while ago on that and will plan to consolidate the limit of it to my ED card when eligible, so eventually one less Amex there. I've been using my charge card more lately though I really think that I'd be better off either upgrading next year or getting rid of that card at some point.
I charge reccurring expenses onto both my ED and Quicksilver cards (as I said, this card is also my second oldest) and the rest I don't even use regularly at all. Wal-Mart one is for the free FICO score (though I know Discover also provides one too but they are at different times in the month) and I've made some purchases with the last cards though obviously not nearly as much as the cards I have listed above. And I guess now that I have a 1.5K limit QS with unlimited 1.5% cashback, I don't really need a 1.5K limit PayPal Smart Connect account with even when linked up with the business debit card doesn't provide as much rewards.
I still like how the GE stuff were the first cards that I saw major CLIs on though so I think I'd still keep the Wal-Mart and Amazon cards and get rid of the Paypal SC and Wells Fargo cards for now and think about getting rid of the Green early next year if I don't find the card particularly as useful as I thought it would be. I'd be getting rid of a little over 2K in available credit there. Or I could go the other way around and dump the Wal-Mart one and keep the other two.
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)