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re: How many credit cards do you have?
Posted on 5/23/15 at 10:16 am to StringedInstruments
Posted on 5/23/15 at 10:16 am to StringedInstruments
3 credit cards
Discover it
Chase Freedom
PenFed gas cash back
In the neighborhood of $10-$15k total credit limit. All used for cash back purposes and I've always paid them off each month.
Discover it
Chase Freedom
PenFed gas cash back
In the neighborhood of $10-$15k total credit limit. All used for cash back purposes and I've always paid them off each month.
0
Posted on 5/23/15 at 10:21 am to Teddy Ruxpin
I very rarely don't check a bag and I can't ever remember my wife going anywhere and fitting all her stuff in a carry on
Posted on 5/23/15 at 10:24 am to yellowfin
quote:
I get reimbursed from work for AMEX annual fee
Well then yeah, that makes it worth it.
Posted on 5/23/15 at 10:24 am to yellowfin
We make out on the checked baggage fees. A few times a year we have four in our party. Get a free checked bag on the way out of the country and get reimbursed for baggage fees on the way back into the country.
Posted on 5/23/15 at 10:45 am to yellowfin
quote:
I very rarely don't check a bag and I can't ever remember my wife going anywhere and fitting all her stuff in a carry on
My wife and I have travel backpacks that fill up the max allowable. We can do about 10 days worth with that with possibly laundry at one hotel. Of course I have a day pack that is my under the seat carry on that carries cameras, tablet or whatever and she has her purse.
Can't recall if she willingly downsized or not.
We never check bags domestically. She has a "weekender" bag for that.
But really I don't know what other benefit they could give on those cards that wouldn't cost them a fortune. I just burn the club passes whenever and cancel after a year.
I bet kids will change this.
This post was edited on 5/23/15 at 10:49 am
Posted on 5/23/15 at 11:25 am to yellowfin
Only time I check a bag is when the wife travels with me.
But then again I would never dare tell her we each get 3 free check bags that can weigh up to 70lbs each
But then again I would never dare tell her we each get 3 free check bags that can weigh up to 70lbs each
Posted on 5/23/15 at 11:31 am to StringedInstruments
Two. One is for my business.
Posted on 5/23/15 at 11:37 am to Teddy Ruxpin
10 days my wife is checking 2 bags
Posted on 5/23/15 at 1:33 pm to StringedInstruments
9 with ~$125,000.
I usually carry 3 and use 2. I'm heading towards only using 1, but as long as Citi keeps giving me 5% off on Amazon and restaurants, I'll keep using that one. I usually open about 2 per year to milk signup offers. I used to use several cards to max points, but as I get busier and cards get less giving, it has been a lot better for me to just have 1 good card that gives ~2% back.
I keep a lot of old ones open so that I can keep my credit history up.
I usually carry 3 and use 2. I'm heading towards only using 1, but as long as Citi keeps giving me 5% off on Amazon and restaurants, I'll keep using that one. I usually open about 2 per year to milk signup offers. I used to use several cards to max points, but as I get busier and cards get less giving, it has been a lot better for me to just have 1 good card that gives ~2% back.
I keep a lot of old ones open so that I can keep my credit history up.
Posted on 5/23/15 at 2:46 pm to BACONisMEATcandy
quote:
Only time I check a bag is when the wife travels with me.
I've been with my girlfriend for over a decade. Over that time, I've taken her from needing two full suitcases for a week at the beach to packing for a month abroad using nothing but a carry on. I consider it one of my greatest accomplishments
Now, if only we could reach some semblance of punctuality...
Posted on 5/23/15 at 3:05 pm to Joshjrn
I carry three.
I got my first 40 years ago when I was 16 and have never, ever paid a cent in interest or late fees.
The reason I have three is when rebates first started I got a citi bank card and used it. That was probably 20 years ago. I don't use it anymore but they still send me the card every year. I carry a Southwest Visa. It is still the best airline card and I used to use it extensively and exclusively until Fidelty Investments started a 2% cash back on all purchases American Express. It is the best day in and day out deal I know of.
I don't know what my limits are but on the AmEx card I routinely charge mid 5 figures in paying company expenses (if they don't give us a cash discount I run on the card) and have never gotten to the limit. I will pay for air travel still on the Southwest visa as it works out to 2% when you consider the double points you get for buying southwest air travel.
I have from time to time over the years had store cards. It used to be you wanted a Sears card--my first years ago--to establish credit. When Bass Pro opened in Denham they had a sale on Citori shotguns at $1100. I went in to buy it and they were pushing credit cards and giving 10% off of all purchases that day if you got one. I did. Saved $110. Called the credit card people and got the remittance address and sent a check the next day. Never actually used the card.
Credit cards are worse than dope. Be disciplined in their use from the get go.
I got my first 40 years ago when I was 16 and have never, ever paid a cent in interest or late fees.
The reason I have three is when rebates first started I got a citi bank card and used it. That was probably 20 years ago. I don't use it anymore but they still send me the card every year. I carry a Southwest Visa. It is still the best airline card and I used to use it extensively and exclusively until Fidelty Investments started a 2% cash back on all purchases American Express. It is the best day in and day out deal I know of.
I don't know what my limits are but on the AmEx card I routinely charge mid 5 figures in paying company expenses (if they don't give us a cash discount I run on the card) and have never gotten to the limit. I will pay for air travel still on the Southwest visa as it works out to 2% when you consider the double points you get for buying southwest air travel.
I have from time to time over the years had store cards. It used to be you wanted a Sears card--my first years ago--to establish credit. When Bass Pro opened in Denham they had a sale on Citori shotguns at $1100. I went in to buy it and they were pushing credit cards and giving 10% off of all purchases that day if you got one. I did. Saved $110. Called the credit card people and got the remittance address and sent a check the next day. Never actually used the card.
Credit cards are worse than dope. Be disciplined in their use from the get go.
This post was edited on 5/23/15 at 3:08 pm
Posted on 5/23/15 at 4:09 pm to StringedInstruments
Two. One for work expenses and one for personal.
Posted on 5/23/15 at 4:50 pm to Joshjrn
I guess it's because I've never had a bag lost but I just don't mind checking a bag. It takes an extra 20 minutes after I land to grab it and I can bring what I need.
I may sound like a chick but I bring enough shoes/boots when I go on vacation to fill a carry on
I may sound like a chick but I bring enough shoes/boots when I go on vacation to fill a carry on
Posted on 5/23/15 at 4:58 pm to yellowfin
I see no need not to check a bag if I'm going away for a week and the checked bag is free. I also travel with a laptop to check in with and work if necessary and generally take camera equipment so my backpack is loaded with that stuff.
For shorter trips I'll generally just pack a carry on.
For shorter trips I'll generally just pack a carry on.
Posted on 5/23/15 at 5:25 pm to yellowfin
Twenty minutes? You either fly very efficient airports or very small planes
Anyway, I've gotten out of some very long delays by being flexible with flights in ways that wouldn't be possible had I checked a bag.
As for shoes, if you can't get by with three pair: one of your feet and two in your bag, it's time to revisit your quality vs quantity equation
ETA: The biggest time saver about not checking a bag is check in. I check in online, walk straight to security, then to my gate. I've parked at the airport 45m before my flight was scheduled to take off and still made it to my gate before they called my zone. Showing up to the airport two hours early just in case there is a giant line to check my bag sounds hellacious to me.
Anyway, I've gotten out of some very long delays by being flexible with flights in ways that wouldn't be possible had I checked a bag.
As for shoes, if you can't get by with three pair: one of your feet and two in your bag, it's time to revisit your quality vs quantity equation
ETA: The biggest time saver about not checking a bag is check in. I check in online, walk straight to security, then to my gate. I've parked at the airport 45m before my flight was scheduled to take off and still made it to my gate before they called my zone. Showing up to the airport two hours early just in case there is a giant line to check my bag sounds hellacious to me.
This post was edited on 5/23/15 at 11:06 pm
Posted on 5/23/15 at 9:27 pm to Joshjrn
2 questions
Does anyone have an amazon card through Chase? Is it beneficial if you order through amazon a ton?
Does cutting up a credit card and not using it whatsoever hurt your credit? Im talking like not using it in over 8 months.
Does anyone have an amazon card through Chase? Is it beneficial if you order through amazon a ton?
Does cutting up a credit card and not using it whatsoever hurt your credit? Im talking like not using it in over 8 months.
Posted on 5/23/15 at 10:09 pm to slapahoe
quote:
Does anyone have an amazon card through Chase? Is it beneficial if you order through amazon a ton?
I don't. That said, the earnings seem rather straightforward:
I'd probably still rather buy Amazon gift cards with my Ink Plus, but the card seems fine.
quote:
Does cutting up a credit card and not using it whatsoever hurt your credit? Im talking like not using it in over 8 months.
Nope. Depending on the card, they might close the account if you go long enough without using it, but in the mean time it won't hurt you at all.
Posted on 5/24/15 at 2:08 am to Teddy Ruxpin
quote:
I wish there could be an alternative benefit on these cards for those of us who never check bags. I might actually keep the card then.
Just said the same thing recently since I'll be canceling the United card soon as the 1 year is coming up. To the OP, 7 cards.
Posted on 5/24/15 at 5:49 am to Joshjrn
quote:
ETA: The biggest time saver about not checking a bag is check in. I check in online, walk straight to security, then to my gate. I've parked at the airport 45m before my flight was scheduled to take off and still made it to my gate before they called my zone. Showing up to the airport two hours early just in case there is a giant line to check my bag sounds hellacious to me.
Well I live in lafayette so if I get to the airport 45 minutes before flight it means I'm running early
Posted on 5/24/15 at 8:34 am to yellowfin
Haha fair, but you still have to fly back
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