Keeping Track of Credit Cards

[fifthdimensiondweller]

I'll second the Wallaby app! Very helpful for day to day categories, especially when I was getting started.

 

[kathymac]

Chasing/monitoring bonus categories get to me sometimes and irritates my husband. Lately I try to simplify it as much
as i can. When i see a 5x category i buy a gift card or use it up all right away so i don't have to worry about it for the quarter.
For example Chase Freedom 5x phone cable internet...I just overpaid the bills up to 1500 the first week. Discover 5x
wholesale clubs. I just got 1500 in gift cards and now will use those. It is sometimes hairy to pay 3k off the bat and my husband
freaks out but the money is going to those places anyway ...just later.

Other way is to just use a simple 2% card and don't worry about it. lol

Great idea! I love the idea of paying phone company ahead. Over and done. Nothing to have to remember.

 

[imbatman]

I have an Excel spreadsheet that I use. Tracks both the spending and pay-offs, as well as when payments are scheduled and then shown in the bank account tab.

I have the notes in the same spreadsheet, because we are supposed to reach certain rewards with spending. That way I can check the next statement for the rewards.

It's extensive. It's time consuming. But, then you know what you've spent and earned. I also recognize that spreadsheets aren't everyone's jams.

 

[disneymagicgirl]

Can you give me the quick rundown on the chase s sapphire Car. I use my southwest everyday because I love the fly points.

I am a SW girl too...

The Chase Sapphire comes in Reserve and Preferred.

Here is rundown of the 2 with all the impt info.
https://thepointsguy.com/guide/chase-sapphire-preferred-vs-chase-sapphire-reserve/

You earn points faster with the sapphires, then easily transfer them to southwest. Easy peasy. Only thing this won't work for is to earn companion pass.

 

[mrp4352]

I have another account w/ my checking account. I have the disney visa chase card and everytime i use it I put that money from my checking to my savings so I know not to use it and when the bill comes I pay off my balance

For me, I just pay off my card as I go. I collect receipts and the next day just pay that much towards the card. I still get my bonus and it helps me ensure I don't miss anything.

 

[Tikitoi]

I eliminate the problem by only having one credit card.

I will do this when I get my CSR. But it would be temporary. Soon as I meet the minimum spending I'd go back to using others .