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Topic: Do you use multiple credit cards?  (Read 5693 times)

pectacon

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Do you use multiple credit cards?
« on: November 20, 2018, 01:18:40 pm »
I have been looking to switch banks/cards lately and it seems like most people I ask have two or three different credit cards. I've only ever had 1, I get that they offer different rewards depending what you're buying but it seems like a headache to keep track. How many do you use?
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gwilson31

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Re: Do you use multiple credit cards?
« Reply #1 on: November 20, 2018, 02:12:56 pm »
I have 2.  One I use for emergencies only and one I use if I get something online.  Otherwise I just use my debit card.  8) 8) 8)

Cbsteffen

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Re: Do you use multiple credit cards?
« Reply #2 on: November 20, 2018, 08:59:34 pm »
I would say two (2) if an Amazon Rewards Visa Signature Card counts.
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articx

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Re: Do you use multiple credit cards?
« Reply #3 on: November 20, 2018, 09:13:29 pm »
I only have one active debit card.

snicole9519

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Re: Do you use multiple credit cards?
« Reply #4 on: November 20, 2018, 09:18:56 pm »
I have been looking to switch banks/cards lately and it seems like most people I ask have two or three different credit cards. I've only ever had 1, I get that they offer different rewards depending what you're buying but it seems like a headache to keep track. How many do you use?

I have 3. 2 major and a store card. I only really use one of the major ones because the rewards and incentives are amazing. Plus, bonus cashback opportunities rotate every quarter through 4 different categories and it's paid off significantly. And no annual fee! In the past year, I've gotten over a grand cashback.
Cha-ching! $$$
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countrygirl12

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Re: Do you use multiple credit cards?
« Reply #5 on: November 21, 2018, 04:09:54 am »
I have been looking to switch banks/cards lately and it seems like most people I ask have two or three different credit cards. I've only ever had 1, I get that they offer different rewards depending what you're buying but it seems like a headache to keep track. How many do you use?

I do have more than one but I do not use them all constantly charging on them all.  It is not hard to keep track of.  I know what I owe and most have no charges at all.  They have apps you can get for each one. You can also get something like Credit Karma (free) and monitor it there as well.

1imaginarygirl

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Re: Do you use multiple credit cards?
« Reply #6 on: November 21, 2018, 06:17:15 am »
I have three. The first is a low limit high APR card I got to rebuild my credit after some financial struggles. I only charge Netflix on it and pay it off every month to keep it active. The second is a 1.5% cashback card that I use most of the time. I bought some furniture and mattresses near the end of the 0% intro period. So I just got my third card, because it has a long 0% balance transfer period, so I transferred the balance from my second card to this one. Got to be strategic about it.  ;)

kuponsaver2011

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Re: Do you use multiple credit cards?
« Reply #7 on: November 21, 2018, 11:31:40 am »
I used to have two that I rarely used. But one CC company increased the interest rate so I cancelled it. I kept the one with a lower rate.  I try to not use my CC but this year I do have a balance to work on decreasing. At least this time I can use the "rewards" to help pay it down.

nmbrown863

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Re: Do you use multiple credit cards?
« Reply #8 on: November 21, 2018, 02:07:38 pm »
We mainly use or debit card or cash but if it is a big purchase or we can save money at a certain store by using our credit cards then we will. Just not very often.

DEBMZ6

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Re: Do you use multiple credit cards?
« Reply #9 on: November 21, 2018, 02:31:29 pm »
I have 2 major credit cards, one MasterCard and one Visa and they both give me cash back as a reward bonus.  I also have 2 store credit cards that I use but I always make sure to pay off the balance on any card that I might use.

santa7

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Re: Do you use multiple credit cards?
« Reply #10 on: November 21, 2018, 03:00:15 pm »
I have a debit card, 2 major credit cards, and Navicore for consolidated credit:  I had about 7 credit cards and had them all consolidated.  Wished I never had so many cc because the interest is what kills you.

bshee58

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Re: Do you use multiple credit cards?
« Reply #11 on: November 21, 2018, 04:00:04 pm »
I don't have any, they can be some what of a bother, all of those added fees for using them.

lhz123

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Re: Do you use multiple credit cards?
« Reply #12 on: November 21, 2018, 04:18:55 pm »
We used a member store visa card that have a cash back and another one for gas rewards.  My husband is so strict usage  for our credit card to avoid interest

cateyes1

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Re: Do you use multiple credit cards?
« Reply #13 on: November 22, 2018, 03:45:01 am »
I don't have any CC. My Mom taught me that if you don't have the money for it then don't buy it.

thoughtparticles

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Re: Do you use multiple credit cards?
« Reply #14 on: November 22, 2018, 06:32:40 am »
I have one that I use for certain types of purchases I can't use cash for  that would put too much of a hold on my bank account if I used a debit card... like car rentals. It's always paid off immediately, so no interest or debt mounts!


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