- Gold Member
- Posts: 26
- Joined: Sun May 06, 2012 8:23 am
- Location: New York, NY
I have to agree. I don't like managing or rotating a large number of cards myself. I was fun and interesting back when I was new to Rewards/Points schemes of things. Now I'm over it all, I have 10 cards total but only 3 that I use consistently.
Citi Forward - Everyday Spending Card, always PIF before statement cuts to have $0 report to CRAs.
Capital One QS - Bill Pay Card, don't carry this card with me at all, its strictly for Auto Paying monthly bills (Wireless, Cable, Netflix, Gym, etc.) for the 1.5% Cash Rewards. Again PIF before statement cuts.
Citi TYPreferred, Discover IT- Balance Transfer Cards.....TYP has a 15 month 0% and Discover has an 18 month 0% combine both are carrying 7K in BTs.
Chase Ink Classic - Big Ticket Spending Card, Currently not in use, my highest limit of 23K.
PNC Cash Rewards - No Purpose other than to serve as a Overdraft LOC to my Checking. Not in use otherwise.
Walmart Discover - Baby Sister (AU) using to build credit while at college, she spends I pay the bill... UGH....She's excelling in school and has been responsible with it thus far, so I'm happy to do it.
PayPal Extra's MC - Emergency Card, 10K CL, Keeps my overall Utilization in check.
Amazon Rewards Chase - Used to pay for my Amazon Prime, 7K CL, Keeps my overall Utilization in Check.
Chase Amtrak Guest Rewards - Dust Collector - Used when I needed to use Amtrak for commuting - 10K CL - May see about PC'ing to a CSP in the future.