Looking for a second card

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
14 posts
kdm31091
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Re: Looking for a second card

Postby kdm31091 » Thu Oct 01, 2015 3:15 pm

DaveAZ wrote:
CarefulBuilder14 wrote:I'm confused as to where you're spending, if groceries are only $3k. $15k would be an awful lot for utilities and light dining/gas.


I am equally confused by it, which posed a problem with other cards. My spending habits are erratic based on needs more than wants. I don't want a credit card to dictate the best time to purchase specific things, any way.

Kevin, thanks for your reply, too. I have traveled alone, but I definitely enjoy companionship while traveling more.


Glad someone understands that, because so many people get a credit card with certain reward categories and then go out of their way to spend on those things.


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CarefulBuilder14
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Re: Looking for a second card

Postby CarefulBuilder14 » Thu Oct 01, 2015 9:36 pm

kdm31091 wrote:Glad someone understands that, because so many people get a credit card with certain reward categories and then go out of their way to spend on those things.

CC behavior changes don't have to be bad. EDP encourages me to spend more on groceries, and make many transactions. That may have some small effect on encouraging me to cook more of my own food, and make little stops more often for fresh fruit/veggies. It takes more time, but ultimately is cheaper and healthier than my takeout options.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

Kevin86475391
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Re: Looking for a second card

Postby Kevin86475391 » Fri Oct 02, 2015 5:55 pm

CarefulBuilder14 wrote:
kdm31091 wrote:Glad someone understands that, because so many people get a credit card with certain reward categories and then go out of their way to spend on those things.

CC behavior changes don't have to be bad. EDP encourages me to spend more on groceries, and make many transactions. That may have some small effect on encouraging me to cook more of my own food, and make little stops more often for fresh fruit/veggies. It takes more time, but ultimately is cheaper and healthier than my takeout options.


I'm terrible at not over-spending (and not over-buying in general and facing spoilage) at the grocery store. For me the only thing that works is going as infrequently as possible and stocking up as much as I can on non-perishables. I mean you'd think that if I go every 2 weeks and spend like $250, that instead I could just go 5 times over 2 weeks (so like every 2-3 days) and spend $25ish each time...but no, I'd spend $50-$60ish each time minimum...and then have half the stuff go bad before I can eat it.

I'd love to be able to go often, limit what I buy, and have fresh fruits and veggies on hand all the time...but it just doesn't work for me.

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CarefulBuilder14
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Re: Looking for a second card

Postby CarefulBuilder14 » Sat Oct 03, 2015 3:14 pm

Kevin86475391 wrote:
CarefulBuilder14 wrote:CC behavior changes don't have to be bad. EDP encourages me to spend more on groceries, and make many transactions. That may have some small effect on encouraging me to cook more of my own food, and make little stops more often for fresh fruit/veggies. It takes more time, but ultimately is cheaper and healthier than my takeout options.


I'm terrible at not over-spending (and not over-buying in general and facing spoilage) at the grocery store. For me the only thing that works is going as infrequently as possible and stocking up as much as I can on non-perishables. I mean you'd think that if I go every 2 weeks and spend like $250, that instead I could just go 5 times over 2 weeks (so like every 2-3 days) and spend $25ish each time...but no, I'd spend $50-$60ish each time minimum...and then have half the stuff go bad before I can eat it.

I'd love to be able to go often, limit what I buy, and have fresh fruits and veggies on hand all the time...but it just doesn't work for me.

I only deviate slightly from my grocery store list, and often grab a basket instead of a cart so I can be in and out faster. Most non-perishable things I get at Costco (where I do need a cart).

I also tend to eat erratically at times. Buying produce that looks great occasionally means eating fairly little "normal" food so the produce doesn't go to waste.

And basically any vegetable (at least one I'd actually buy) tastes at least okay when sautéed with frozen ground beef and frozen peas.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card



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