What's your credit card setup like?

[Kasgoinjail]

I dont have any and my credit rating went up by 100 and set to go up by 30 more points 2moro



How Sway?

I'm guna be back up to 800 by the year is out with ZERO credit card debt.

I dont think u really need credit to build credit
Just paying ur bills on timely, keeping up with rent and 1 or 2 outright purchases and ur climbing.

O yh u don't need those *fix ur credit scammers either

 

[Devilinurear]

Seems like a fishing thread

 

[BaileyPark31]

Navy Fed Flagship - 29k
Navy Fed Amex - 37k
Apple Card - 5.5k

1% Utilization/800+ Sco

How do I get out of the circle.of low limit cards? Like above 2k?

 

[Big Blue]

Capital One Venture- almost never use but it's my oldest account
Chase Freedom- groceries only since they constantly have points for food
Chase Sapphire Reserve- the card that takes up almost all of my expenses I have almost 2 racks in travel points. About to be a fun summer

I'm seriously considering getting the Delta card since that's my main airline.

 

[detroitwalt]

My main cards are:
Chase Sapphire Reserve which I use the most
Delta Reserve Amex for plane tickets
Marriott Amex for hotels and automatic platinum status at Marriott hotels
Amex Plat which I mainly use for Amazon purchases
I also have a Hilton brand Amex that I got just for either diamond of gold status that comes with it although I rarely stay at Hilton hotels.

All have a zero balance except for the CSR but that’s only because the next billing cycle hasn’t hit yet. Credit score was 819 last I checked.

 

[Gilly]

How do I get out of the circle.of low limit cards? Like above 2k?

Find somebody to sponsor you into Navy Fed

Every 6 months is 8k increases.. 80k max limit

 

[Gilly]

Any cash back on them?

Flagship - 3x pts for Travel/2x pts everything else .. $120 credit to TSA pre check or global entry.. Free yearly Amazon prime

Amex - 3x restaurants/food delivery, supermarkets, gas.. 1x everything else

Apple - 2% cashback using tap to pay/3% on Apple products/select stores

 

[winb83]

Robinhood Gold offered me their card. I’m conflicted because I use a Smartly (2.5%) as my catch all and that’s only a 0.5% boost. I can usually get 5% cash back on most things and every now and then I have some 3% things like my wholesale clubs where my AAA and X1 (with mobile wallet boost) get me to 3% already.

Not sure I want to apply for and get a card with no sign up bonus just for the one off chances I can get an extra 0.5% cash back.

 

[Mike Nasty]

I dont have any and my credit rating went up by 100 and set to go up by 30 more points 2moro



How Sway?

I'm guna be back up to 800 by the year is out with ZERO credit card debt.

I dont think u really need credit to build credit
Just paying ur bills on timely, keeping up with rent and 1 or 2 outright purchases and ur climbing.

O yh u don't need those *fix ur credit scammers either

I'm not sure how accurate this is. My wife's rating sat in the 700s cause everything was in my name. It went up when I added her name to my CC.

 

[Hersh]

Robinhood Gold offered me their card. I’m conflicted because I use a Smartly (2.5%) as my catch all and that’s only a 0.5% boost. I can usually get 5% cash back on most things and every now and then I have some 3% things like my wholesale clubs where my AAA and X1 (with mobile wallet boost) get me to 3% already.

Not sure I want to apply for and get a card with no sign up bonus just for the one off chances I can get an extra 0.5% cash back.

really depends on ur spending.

 

[R=G]

American Express is good for car rentals, right?

 

[sayyestothis]

American Express is good for car rentals, right?

Yeah Plat gives u hertz prez circle status and also the automatic insurance is awesome. Rented a car out in Denver and rock cracked windshield. Hertz bill was like 3k and amex covered it all without deductible. Always decline coverage at rental places if using because its free with plat

 

[Stuntone]

29k Limit on a Navy Federal Platinum.

 

[Mike Nasty]

American Express is good for car rentals, right?

Yes, sign up for their Rental car insurance. When you rent a car use that American Express card, it will automatically charge you $25 or whatever level you select and you're covered.

 

[hitmonlee]

Apple card

I use Apple Pay everywhere

Getting 2% cash back on every purchase is goat