- Centurion Member
- Posts: 875
- Joined: Thu Apr 30, 2009 2:32 pm
- Location: Texas
I know I'm OCD about this but I check my three in-use accounts online daily. I save receipts and check them against statements when they cycle. Very, very rarely do I catch something amiss. The last time was a server who gave herself a larger tip than I did.
I feel there is another benefit to doing this than account security. I know during the month how much I'm spending (ALL of my spending goes on these three cards except rent). At the end of the month I can see if I'm within my spending norm and why or why not. It's good discipline for staying within one's means. I've never been able to do a budget where I spend this on restaurants and that on gasoline, etc. Watching the big picture very closely works best for me.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).
*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.