Hellobee Boards Topic: Do you use all of your credit cards?

Hellobee Boards Topic: Do you use all of your credit cards? https://boards.hellobee.com/ Pregnancy, Baby and Parenting blog, by Hellobee en Sat, 11 Apr 2026 00:17:26 +0000 T-Mom on "Do you use all of your credit cards?" https://boards.hellobee.com/topic/do-you-use-all-of-your-credit-cards#post-1236350 Fri, 22 Nov 2013 13:13:23 +0000 T-Mom 1236350@https://boards.hellobee.com/ @HLK208: you are right, I will probably be ok closing a few lower limit cards .. Thanks! Sapphiresun on "Do you use all of your credit cards?" https://boards.hellobee.com/topic/do-you-use-all-of-your-credit-cards#post-1236329 Fri, 22 Nov 2013 13:08:22 +0000 Sapphiresun 1236329@https://boards.hellobee.com/ @PurplePeony: No worries, I don't think location is even on my profile. And glad to know being so quick to cancel isn't just a crazy Canadian thing! Always at the most inopportune times too. Last one was two days before our baby was born, and we actually had to have cash on hand for all the delivery take out we were eating while we waited for the replacement to come in the mail. PurplePeony on "Do you use all of your credit cards?" https://boards.hellobee.com/topic/do-you-use-all-of-your-credit-cards#post-1236189 Fri, 22 Nov 2013 12:29:33 +0000 PurplePeony 1236189@https://boards.hellobee.com/ @Sapphiresun: oops, didn't look at your location, haha! Lindsay05 on "Do you use all of your credit cards?" https://boards.hellobee.com/topic/do-you-use-all-of-your-credit-cards#post-1236184 Fri, 22 Nov 2013 12:27:38 +0000 Lindsay05 1236184@https://boards.hellobee.com/ I have one that I normally use for purchases greater than 100 bucks. I pay it off every month unless a huge payment had to go on it such as car repairs, house repairs, etc. Sapphiresun on "Do you use all of your credit cards?" https://boards.hellobee.com/topic/do-you-use-all-of-your-credit-cards#post-1236163 Fri, 22 Nov 2013 12:23:15 +0000 Sapphiresun 1236163@https://boards.hellobee.com/ @PurplePeony: Nope. Don't think we have Bank of America here. Bank of Montreal in Canada :) sarac on "Do you use all of your credit cards?" https://boards.hellobee.com/topic/do-you-use-all-of-your-credit-cards#post-1236144 Fri, 22 Nov 2013 12:18:49 +0000 sarac 1236144@https://boards.hellobee.com/ @runnerd: That is honestly how I felt until quite recently - I used to be way too irresponsible to deal with one, and I was not willing to go into debt again. For years, though, I've watched my husband's credit score remain 'decent' for this ONE reason. So I caved and got one, set up some bills to auto pay on it, and paid them off in full each month. After a single month, his score shot up 70 points! I couldn't believe it. I'd really recommend that plan to anyone - even if it's just one bill. I put the card away in a filing cabinet so that I wouldn't be tempted to use it. Kimberlybee on "Do you use all of your credit cards?" https://boards.hellobee.com/topic/do-you-use-all-of-your-credit-cards#post-1236105 Fri, 22 Nov 2013 12:03:49 +0000 Kimberlybee 1236105@https://boards.hellobee.com/ @HLK208: I've been a BabyGap addict since I had baby girl! Love their sales too. sunny on "Do you use all of your credit cards?" https://boards.hellobee.com/topic/do-you-use-all-of-your-credit-cards#post-1236095 Fri, 22 Nov 2013 12:00:57 +0000 sunny 1236095@https://boards.hellobee.com/ I have a few cards I signed up for solely for the massive sign up bonus. They sit in a drawer until it will be time to cancel! DillonLion on "Do you use all of your credit cards?" https://boards.hellobee.com/topic/do-you-use-all-of-your-credit-cards#post-1236024 Fri, 22 Nov 2013 11:35:35 +0000 DillonLion 1236024@https://boards.hellobee.com/ None. I wish we were the type to put all of our expenses on it and pay it in full each month to rack up point, but I cannot be trusted to stay responsible with it. I always end up spending,more than I have cash available to pay it off. It isnt a good tool for me. So i just pay everything in cash/debit card yoursilverlining on "Do you use all of your credit cards?" https://boards.hellobee.com/topic/do-you-use-all-of-your-credit-cards#post-1235963 Fri, 22 Nov 2013 11:16:21 +0000 yoursilverlining 1235963@https://boards.hellobee.com/ @runnerd: @HLK208: hmm, interesting. I am worried that it will hurt my credit since one is my longest open card, and without it my history drops from 7+ years to only a few years and also because it would lower my available credit ratio. I pay off my credit card each month, but of course they report a balance to the credit bureau randomly every month; so on paper I utilize a % of my available credit each month. I think I'll probably just leave them open since there are no annual fees, but we'll see. I've had to spend a lot of time/energy rehabbing my credit so I'm protective of anything that might lower the score even a point! ;) Alivoo01 on "Do you use all of your credit cards?" https://boards.hellobee.com/topic/do-you-use-all-of-your-credit-cards#post-1235954 Fri, 22 Nov 2013 11:12:15 +0000 Alivoo01 1235954@https://boards.hellobee.com/ Nope! I have 2 main ones I use for EVERYTHING. Others, I use in rotation just to keep them active. I'm afraid to close them out because it'll affect my credit score. chopsuey on "Do you use all of your credit cards?" https://boards.hellobee.com/topic/do-you-use-all-of-your-credit-cards#post-1235920 Fri, 22 Nov 2013 11:05:14 +0000 chopsuey 1235920@https://boards.hellobee.com/ I only have and use my bank card! PurplePeony on "Do you use all of your credit cards?" https://boards.hellobee.com/topic/do-you-use-all-of-your-credit-cards#post-1235898 Fri, 22 Nov 2013 10:58:32 +0000 PurplePeony 1235898@https://boards.hellobee.com/ @Sapphiresun: is it through BofA? I have the same thing happen! On one hand, it's nice to know they're on top of things but I hate having to change all my auto-payments when it happens. I have two CCs, a MasterCard and an AmEx. The MC has better rewards and a higher limit, so I use it for pretty much all my day-to-day purchases and pay it off each month. The AmEx has a better purchase protection plan so I use it for big things where I want the extra peace of mind. I also get awesome rental car protection for $20 per rental (as opposed to the astronomical per-day rate the rental companies charge) on my AmEx, so I always use it for that. DH and I don't have any joint cards, we both just use the ones we had prior to getting married and we like it that way. HLK208 on "Do you use all of your credit cards?" https://boards.hellobee.com/topic/do-you-use-all-of-your-credit-cards#post-1235807 Fri, 22 Nov 2013 10:31:21 +0000 HLK208 1235807@https://boards.hellobee.com/ @yoursilverlining: @T-Mom: our credit score didn't change by canceling our cards (and we cancelled 5 of them) maybe because we left the big one's open? Most of those cards didn't have a huge limit since they were the first cards we had as adults (with insane interest rates). PurplePumps on "Do you use all of your credit cards?" https://boards.hellobee.com/topic/do-you-use-all-of-your-credit-cards#post-1235768 Fri, 22 Nov 2013 10:19:38 +0000 PurplePumps 1235768@https://boards.hellobee.com/ I have too many to use =\. I cycle between the ones with the best rewards. I just signed up for the Discover cash back too so I use that for all my online orders. And then another for gas/groceries. Another that I have my cell phone auto pay on. An amazon card for all those purchases (but not right now cause discover is more rewards). A mileage card for airline purchases... then probably 2 or 3 others that arent being used right now. I should really cancel some... MamaMoose on "Do you use all of your credit cards?" https://boards.hellobee.com/topic/do-you-use-all-of-your-credit-cards#post-1235747 Fri, 22 Nov 2013 10:14:41 +0000 MamaMoose 1235747@https://boards.hellobee.com/ I only have two but I use them both. We have a primary joint VISA that we put almost everything on. We pay it off in full each month, and rack up points. We then each have separate Master Card that we use for buying presents for each other (these are also always paid off in full right away). I seriously never have cash on me. If I need some, I usually steal it from my husband's wallet! thismustbetheplace on "Do you use all of your credit cards?" https://boards.hellobee.com/topic/do-you-use-all-of-your-credit-cards#post-1235735 Fri, 22 Nov 2013 10:11:18 +0000 thismustbetheplace 1235735@https://boards.hellobee.com/ I have one with a very high limit that we use for large purchases/flights/etc. We never let our balance go over 30% of the limit on that one. The other small ones are used rarely (just enough to keep them active) and are usually paid off immediately. We really just keep them to increase our credit/debt ratio and establish longevity. mlm2934 on "Do you use all of your credit cards?" https://boards.hellobee.com/topic/do-you-use-all-of-your-credit-cards#post-1235728 Fri, 22 Nov 2013 10:09:29 +0000 mlm2934 1235728@https://boards.hellobee.com/ @yoursilverlining: @T-Mom: when we cancelled our credit cards we decided it was worth if it hurt our credit cause we didn't want to have them open. Surprising I've seen no negative effect on my credit score, and have since bought a new house without issue. I don't know if having a mortgage kept the no credit card thing from hurting my score? Sapphiresun on "Do you use all of your credit cards?" https://boards.hellobee.com/topic/do-you-use-all-of-your-credit-cards#post-1235720 Fri, 22 Nov 2013 10:08:30 +0000 Sapphiresun 1235720@https://boards.hellobee.com/ I only have one credit card and use it for pretty much every purchase and automatic bill payments. I'm to king about getting a second though because my bank is super sensitive about suspicious charges (which I do appreciate) so it gets reissued probably a couple times a year and it's annoying to have to reset all my scheduled payments. autumnlove on "Do you use all of your credit cards?" https://boards.hellobee.com/topic/do-you-use-all-of-your-credit-cards#post-1235718 Fri, 22 Nov 2013 10:08:10 +0000 autumnlove 1235718@https://boards.hellobee.com/ @T-Mom: I still need to get the ball rolling on my Target card! LovelyPlum on "Do you use all of your credit cards?" https://boards.hellobee.com/topic/do-you-use-all-of-your-credit-cards#post-1235717 Fri, 22 Nov 2013 10:07:41 +0000 LovelyPlum 1235717@https://boards.hellobee.com/ We only have one now that we use for emergencies. We closed all the rest of ours three years ago! looch on "Do you use all of your credit cards?" https://boards.hellobee.com/topic/do-you-use-all-of-your-credit-cards#post-1235714 Fri, 22 Nov 2013 10:07:14 +0000 looch 1235714@https://boards.hellobee.com/ Yes, we use all of the ones we have. Not all at the same time, but am comfortable with using debt. T-Mom on "Do you use all of your credit cards?" https://boards.hellobee.com/topic/do-you-use-all-of-your-credit-cards#post-1235712 Fri, 22 Nov 2013 10:06:32 +0000 T-Mom 1235712@https://boards.hellobee.com/ @autumnlove: I have been taking advantage of that Discover deal this holiday season ;-) I have a few cards that I don't use.. I want to close them out but don't know how it will affect my credit to close them! yoursilverlining on "Do you use all of your credit cards?" https://boards.hellobee.com/topic/do-you-use-all-of-your-credit-cards#post-1235704 Fri, 22 Nov 2013 10:04:22 +0000 yoursilverlining 1235704@https://boards.hellobee.com/ No, we only use the one with rewards. The others are just for emergencies/if I canceled them it would hurt out credit score so we leave them open and use like once a quarter. HLK208 on "Do you use all of your credit cards?" https://boards.hellobee.com/topic/do-you-use-all-of-your-credit-cards#post-1235686 Fri, 22 Nov 2013 10:01:27 +0000 HLK208 1235686@https://boards.hellobee.com/ I just use one for gap clothes. Haha. I get the rewards and pay it off a few times a year. pui on "Do you use all of your credit cards?" https://boards.hellobee.com/topic/do-you-use-all-of-your-credit-cards#post-1235684 Fri, 22 Nov 2013 10:01:11 +0000 pui 1235684@https://boards.hellobee.com/ I only have one credit card and I use it. It's useful for buying things online. It's limit is $1000. mlm2934 on "Do you use all of your credit cards?" https://boards.hellobee.com/topic/do-you-use-all-of-your-credit-cards#post-1235681 Fri, 22 Nov 2013 10:00:23 +0000 mlm2934 1235681@https://boards.hellobee.com/ We don't have a credit card. We aren't responsible enough to have one and not use it, and feel very passionately about never having credit card debt again LuLu Mom on "Do you use all of your credit cards?" https://boards.hellobee.com/topic/do-you-use-all-of-your-credit-cards#post-1235679 Fri, 22 Nov 2013 10:00:01 +0000 LuLu Mom 1235679@https://boards.hellobee.com/ We have one, and we only use it for emergencies or booking something. jhd on "Do you use all of your credit cards?" https://boards.hellobee.com/topic/do-you-use-all-of-your-credit-cards#post-1235676 Fri, 22 Nov 2013 09:59:32 +0000 jhd 1235676@https://boards.hellobee.com/ we have one that we use to reserve hotels, plane tickets, etc. but rarely use it for anything besides travel. autumnlove on "Do you use all of your credit cards?" https://boards.hellobee.com/topic/do-you-use-all-of-your-credit-cards#post-1235669 Fri, 22 Nov 2013 09:58:59 +0000 autumnlove 1235669@https://boards.hellobee.com/ I have a Discover that I rarely use but I just signed up for the 5% Cashback Bonus on up to $1,500 in purchases for Online Shopping!