Your designated purposes of credit cards (for those who have 2)

Legacy_user · 22 May 2018 at 2:53PM

Heya. For those of you here with two credit cards, just wondering if you have a designated purpose for each? I have two, one all paid off and the other with a balance on (a small one that will soon be paid off). It's been a long time since the first one has actually been paid off in full and I kinda like it that way! And going forward, will be aiming to pay my credit card/s off in full each month. Just thinking of ways I could effectively use the card/s in future, now they're all (minus one but soon to be) up to date, so was interested to see how others manage theirs and for what purposes? Or if anyone uses theirs as their main spending card?

[Deleted User] · 22 May 2018 at 2:58PM

One for spending, paid off in full every month.
One as a backup.

Or, mix purchases between the two, but always pay in full each month

Akahotpot · 22 May 2018 at 3:15PM

Asda CC for cashback vouchers my daily card
Nationwide CC for foreign travel
Barclaycard large limit so back up/cash advance offers

Nasqueron · 22 May 2018 at 4:35PM

Old bank CC as it gives a small cashback amount (0.25%) and had it for 17 or 18 years - main purchases
Nectar Sainsbury's one - supermarket and fuel from BP/Sainsbury's
Barclaycard - BT one with a balance paid down monthly, for big purchases to spread the cost, had it 3-4 years and done a couple of big BTs

jackieblack · 22 May 2018 at 4:41PM

One that gives rewards, for daily spending, paid off in full every month.
Three others, with no fees for foreign transactions, that I use when abroad (one with highest limit for hotels, one for rental car and gas, one for all other spending)

kuratowski · 22 May 2018 at 4:55PM

I have one I use in shops, the other I use online.

J_B · 22 May 2018 at 5:07PM

Cashback Amex for as much as we possibly can

Asda CC for where they won't tke Amex
Nationwide for spending abroad.
All paid off in full each month.

shortcrust · 22 May 2018 at 5:13PM

I have 0% purchase cards which is use for all my spending, balance transfer cards that I don’t touch, and and old Nationwide card with a big limit that I use once or twice a month.

2ilent8cho · 22 May 2018 at 5:25PM

Tesco Low APR CC - for longer term borrowing (ie car purchase or new kitchen)
Tesco Spending CC - everyday stuff so i get points (all normal spending, gets paid in full)
Barclaycard - Alternative card if Tesco have issues (Rarely used)
Aqua Card - Emergency , i've had a rubbish month and cars have had major faults, fridge , dryer and TV have all broken at once other cards are near limits and i need extra credit now. (Stays at home locked away)

Also have 2 capital one cards but i don't use them now since i have access to better cards just never closed them.

MallyGirl · 22 May 2018 at 5:26PM

Cashback Amex for as much as we possibly can - 1% CB
Partnership CC for where they won't take Amex - 1% or 0.5% CB
Both paid off in full each month.

various 0% BT/MT cards - min payment only till the deals run out

I might need to investigate one for foreign spending as I have a trip coming up

gingercordial · 22 May 2018 at 5:37PM

Cashback Amex for as much spending as possible.

Halifax Clarity Mastercard for anywhere that doesn't take Amex plus all foreign spending.

Nationwide Visa as a backup for foreign spending or for anywhere that requires a Visa card eg World Cup tickets because they're sponsored by Visa so do not accept Mastercard for ticket purchases.

Your designated purposes of credit cards (for those who have 2)

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