How to deal with 3+ cards

For just about anything you want to get off your chest about credit cards.
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How to deal with 3+ cards

Postby circle_k » Wed Oct 24, 2012 10:48 am

For those of you who have 3 or more cards, how do you stay organized and keep track of everything? Is there like a place where you can register all of your cards? With only one card, it's easy to remember when the card is due and if you paid it but it gets more difficult as you start adding more cards. I have a friend who shredded a bill by accident 2 months in a row because it didn't look like any bills he normally received.

I do like doing things online, but not sure if it's a good idea to go completely paperless with multiple cards. I had several emails go to spam by mistake and the only reason I caught it was because I was expecting something, but hey, we get busy, only have a few minutes, come home from work tired and overlook the obvious. We look back and wonder just how stupid someone could be, but now it's too late, the bill didn't get paid.

My mom has a system, she takes every piece of paper she receives in the mail and puts it in it's own file, then she has a huge box for each year. Ask what her phone bill was in Aug of 1973, she will go to the closet and pull out the old bill! When I try that, I end up with a big pile of papers in a disorganized mess. I've tried going paperless when possible but I find it difficult to remember all those user names and passwords, many times I've had to call in to have passwords reset because I couldn't guess the password I just created. I've had one bank account for about a year and already I've called them at least 7 times to reset my password. I went to try to access an account for a credit card I haven't used in months and can't remember my user name. Since I have a new computer, I guessed wrong too many times and got locked out.

So I was just wondering what system everyone used to keep track of everything. I noticed something with going paperless, I signed up for an online account and they stopped sending paper bills, then one day the paper bills started coming again. What's funny is I paid the account online, then the bill came in the mail so now I need to remember that bill was already paid. So what do you do? Also, when cards turn up missing how do you quickly find your information to report it?

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Postby paparoach429 » Wed Oct 24, 2012 1:58 pm

Well first you can set up your payment due dates all around the same day if not the same day so you know all of your credit cards are due that week. Or you can set them up according to your paydays. As far as the user names and passwords you should keep them all around the same if not the same so you can remember all of them. When I first started establishing credit I went paperless on my Firestone credit card I forgot when it was due and I ended up missing the due date by a matter of a few hours. Since that I dont have paperless set up on any of my accounts. When the bill comes in I let it sit on my dresser and every time I walk in my room it reminds me that my bill is almost due. After I pay it, i tear up the bill and throw it away.

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Postby JNK » Wed Oct 24, 2012 4:13 pm

I have a tidy collection of cards and I keep my bills organized by 1) setting up perpetual/recyclable Task List/To-Do List reminders in my smartphone, 2) setting up my due dates on my bills so that half of them are due towards the beginning of the month and the rest are due towards the middle end of the month, 3) setting up text message reminders with the credit card companies that have such functions (I love this feature with AMEX and Chase), 4) and simply remembering what days I chose to have my bills all due.

In this particular manner, I more or less remember WHAT DATES my bills are due as opposed to remembering WHAT BILLS are DUE and WHEN. Once I remember the billing due date, THEN I remember that X, Y, and Z bills are due. To help me remember is that recycling Task List/To-Do List where I have a nice list of ALL BILLS DUE for that particular day of the month.

Some things to possibly bear in mind:

1) Your billing due date WILL NEVER EVER CHANGE unless you yourself ask for it to be changed.

Thanks to the Card Act, credit card companies no longer are allowed to 'shift' your credit card due dates around. Therefore, a bill for a certain card will ALWAYS be due on a certain day of the month. Remember that day.

2) You can ask a credit card company to shift the due date of your bill as a courtesy (usually only after that bill has been paid for that cycle).

Let's say you have a bill due on the 5th and another on the 10th and you keep remembering one and forgetting the other. You can get both bills due on the 5th or 10th and so you only have one billing DATE to remember. If you keep a calendar, you can circle the DATE and make a note that A Bill and B Bill are due on that date.

3) If you have text messages and your credit cards have online billing options, there may be a way for the credit card company to send you a text message informing you of a due bill.

If emails are getting lost and so are statements and such and you have a good text message plan and your credit card company offers the option, enroll in their messaging feature.

4) Enroll in Auto-Payments to Pay the Minimum (or the Full Statement)

This is a SUPPLEMENT to everything else, and a failsafe for when you accidentally forget to pay. For example, I caught the flu and was knocked out for the entire week where I had a section of my bills due. Thanks to Auto-Pay, my accounts were updated while I was knocked out for the count.
Personal Collection:

AMEX: Everyday (MR), Macy's (cobranded)
MASTER: Citibank Dividend Platinum Select (non-World version)
VISA: Chase Amazon Signature, Chase (bank issued)
GE: Care Credit (medical expenses), Macy's (store), JCP (store)

Business Collection:

AMEX: Costco True Earnings
VISA: Chase Ink Cash

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Postby bisbicos » Wed Oct 24, 2012 5:01 pm

I keep everything organized with it compiles everything like your credit cards, bank accounts, student loans, mortgage stuff etc.... its been wicked helpful
Credit Cards
American Express: Fidelity Rewards (2% cash back) 9.5k
Discover: Discover More (5% rotating categories) 12k
Mastercard: Chase Freedom (5% rotating categories) 4.6k
Visa: Citi Forward (5x pts on restaurants) 15.7k
Citi Dividend (5% rotating categories) 5.6
Capital One Journey (1.25% cash back) 1.25k
BofA AAA (5% on gas) 2.5k
PenFed Platinum Rewards (5% on gas 3% groceries) 7.5k

Future Cards
US Bank Cash +
Chase Ink

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Postby itsmeandrew » Wed Oct 24, 2012 5:02 pm

I use SilverWiz/MoneyWiz. It's a great app on my phone I use to keep track of what I spend on what card, and when that card it due. It's all input manually, which I like. It lets me compare what I have record of to what my online register has.
Capital One Platinum $500 (2/2010) CLOSED (1/2013)
Wells Fargo College Cash Back $1.2K (8/2011) CLOSED 3/2015
Chase Freedom (Signature) $10K (4/2012)
AmEx Zync NPSL (4/2012)
Samuels Financing $2.9K CLOSED 4/2015
Discover IT $3.95K (7/2012)
Chase Marriott Premier (Signature) $5K (9/2012)
Chase Slate $2.5K (12/2012)
Citi Simplicity $4K (3/2013)
AmEX BCE $9.5K (5/2014)
Chase Amazon $4.5K (5/2014)
Barclaycard Apple Financing $2K (6/2014)
Capital One VentureOne (Signature) $5K (1/2015)

TU (Discover): 760

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Postby jeffysdad » Wed Oct 24, 2012 5:20 pm

All accounts due on the 1st.
All paid in full by auto pay (I also have direct deposit of my paycheck).
All available email account alerts fully activated.
Completely paperless.
All receipts sorted in pouches color coded by card.
All accounts managed and regularly monitored online.
Statements printed on cycle date and checked against receipts.
All balances coming due tallied mid-month prior to 1st and checked against checking balance and incoming deposits to ensure coverage.
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 (, 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.

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Postby djrez4 » Wed Oct 24, 2012 5:30 pm

I use all of JNK's suggestions except #3.

I have a spreadsheet I use to track all of my cards - app dates, activation dates, CLI eligibility, limits, score when approved, statement closing date, reporting date, etc.

I then set up a monthly reminder in Google Calendar to pay each card three days before the statement closes. That generally is enough time for a payment to clear before the statement generates, giving me a $0 balance reported. Those reminders sync to my phone, iPad, and all of the computers I use. I also have autopay set up in case I forget somehow. I've shifted some due dates around to make them more convenient, but I really didn't have to.

Mint is a somewhat useful tool. I go through it about once a week or so to make sure nothing weird has happened in any of my accounts. It's easier to see everything in one place - I don't have to log in to nine different websites to track everything.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]

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Postby kcarter609 » Wed Oct 24, 2012 5:31 pm

I log into every credit card and bank account I have EVERY SINGLE DAY. Just to check to see the balances, transactions, etc. If something is wrong, I want to correct it immediately. I use Quicken to get a picture of everything together, and you can set up bill reminders. Also set up auto pay for at least the minimums just in case.

Active Cards:
Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
Chase Sapphire Preferred ($10k Limit - 2/2013)
Chase Ink Plus ($7k Limit - 2/2013)
Discover IT ($9.5k Limit - 10/2012)
AMEX Zync (No Pre-set Limit - 1/2010)
AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)

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Postby DavidNY » Wed Oct 24, 2012 5:50 pm

Like others here, I use Mint. I like tracking accounts from my computer or phone. It's a lot easier than logging in to each account manually.

When you set up your password, think of something that's easy for you to remember but would be difficult for someone else to guess.

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Postby kcarter609 » Wed Oct 24, 2012 5:55 pm

Quicken 2013 has the app for tablets and smart phones, and it's 100x easier to use than Mint. It isn't full of junk suggestions everywhere about what credit cards and accounts you should sign up for.

Active Cards:
Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
Chase Sapphire Preferred ($10k Limit - 2/2013)
Chase Ink Plus ($7k Limit - 2/2013)
Discover IT ($9.5k Limit - 10/2012)
AMEX Zync (No Pre-set Limit - 1/2010)
AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)

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