MistralsDaughter

You need to opt out. Opt out? And never get Comenity soft-pull shopping trick accounts?!? hehe (jk) Ron would never "opt out"

This made me smile :-) Is there a benefit to that?

Ditto... but I only have 14... 1/3 easier... Thanks guys :-) I am just trying to reduce the tedium of card rotations... not that I don't appreciate what having and maintaining good credit is all about. Plus I want to streamline those purchases so I don't waste dollars on non-rewards cards etc. Don't kill yourself with worry to save $20 bucks in a year in lost rewards... this is supposed to fun as well as rewarding... I agree. It's not that much in rewards that you would likely be missing. I think the easiest is the Amazon gift card method mentioned above at $0.50 per card with your 21 bank cards will only be $10.50 of future Amazon spend that you are prepaying by buying gift cards each time you do it. I think that is worth doing once or twice per year even if you have a card that gives you 5% cash back on Amazon. How often do you process transactions to keep cards open without risking AA or Closure

I have some that I put Netflix, HULU, util on... But I'm also looking for strategies that give me real rewards faster by focusing on the heavy-lifter, daily-driver cards than having to distribute spending over a greater number of cards... just to accomplish occasional usage

You do that online I assume? How do you redeem the GCs? Yes, online. They email a code to you that you enter into your account and it will credit your account with the amount. You do that online I assume? How do you redeem the GCs? You can buy the e-mail code ones and then you just redeem the code when you want to make a purchase. Edit: you can also schedule them for future purchase which may make your life a bit easier That's cool. Plus its not a lot of money that it takes away from earning more worthy rewards on other cards

You do that online I assume? How do you redeem the GCs?

Ditto... but I only have 14... 1/3 easier... Thanks guys :-) I am just trying to reduce the tedium of card rotations... not that I don't appreciate what having and maintaining good credit is all about. Plus I want to streamline those purchases so I don't waste dollars on non-rewards cards etc.

Seeking advice on new ways to easily use sock-drawered cards 3-4 times a year. Thanks to CB, I have 350k+ CLs distributed between 21 "major" credit cards (and 2 store-only cards - Lowe's, Amazon) The major players are (by total credit issued, not including NPSL or Signature/World Elite flexibility) - Synchrony AMEX NFCU Chase Capital One Barclays Bank of America CITI with Nordstrom's, Discover, Comenity, Wells Fargo, US Bank bringing up the rear. I've been following a schedule to pull cards and physically using them for gas, drive-thru's, etc. then PIF-ing them right away. I don't know if electronic wallets are easier/safer. Please chime in. Advice on how to do it easier is much appreciated!!

Applying by phone will result in a TU pull. Be sure to freeze EX if you care about HPs if you apply by other means.

I opened one in April 2015 w 10k initial CL thinking it would be good for combining. No Joy. it is a card not currently combinable with standard Cap1 cards. It also requires a different log in at a different looking website. Even Cap1 EO cannot help with this card. CSRs call it a "partner" card although it states on the website that it is issued by Capital One, NA. Hope this helps you !

Pop in out of the local stores looking for clearance fridges.. Many times they have ones people just didn't like it they didn't fit etc and you can get a good deal. Check out the Sears Outlet store in south CLT - they have the scratch & dent section. Got a great deal on our washer/dryer there a few years ago because there was a slight dent on the BACK of the dryer. As if I care about that. Just happy that someone else did I have a co-worker who's husband surprised her with a new set of LG front loader and dryer last year, albeit purchased from the scratch and dent section of Sears. Well, he didn't tell her he got it from there and he went on a business trip. She called Sears herself and said her pair was scratched/dented on delivery. Guess what, they replaced the pair free of charge!!! She fessed up after her husband revealed to her he bought it scratched and dented. Sears said they would just call it even. Sears CSR guesses the receipt was miscoded or something.

To OP if you had more time VISA has a prepaid called Visa Buxx for teens which you can personalize with a photo since most teens don't have regular ID cards but I suspect your teen must have a passport. http://www.buxx.com/ 844-269-5071 Many banks also have an affiliate VISA Buxx program like US Bank, Nationwide, Navy Federal etc. Best wishes!

This made me smile

Congrats !!! Its always a good feeling to climb back from whatever and put a flag on the hill... Nice 2-fer with AMEX