- Centurion Member
- Posts: 875
- Joined: Thu Apr 30, 2009 2:32 pm
- Location: Texas
I count myself among those who has "learned his lesson" about credit. I think in many/most cases, trouble with credit depends upon one's age/lifestage. When I didn't have any money or stuff, it was easy to overextend myself with credit. While I always paid my bills on time, it was a burden to carry that debt, and I did incur interest, even though I did everything I could to beat it down with card surfing, promo offers, calling the banks, etc.
Now that I'm older and have more money and stuff, I want less and have the means to acquire what I want that I don't have. It's easy to manage credit constructively when you're older, I think.
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.