Interested in learning how some of the Pros out there are keeping track of their often many credit cards, programs, etc. I currently use Quicken, but am likely to consider moving to Mint because it provides a good Android/iPhone interface.
When you sign up for a new card, do you have a particular strategy towards keeping all of your account information organized? Account numbers, associated rewards programs, what's left, what's available, etc.... Some of the
recent discussion about spreadsheets has been good for tracking flights/planned churn/etc... but now I want to really focus on the day-to-day aspect- making sure I hit my monthly payments on time, making sure I cancel fee-based cards at 10 months, etc.
Awardwallet.com is great for tracking the awards, but I want to really stay on-top-of the credit card aspect as well. Ex- even though they're spread out across many cards, keeping all purchases categorized & organized in such a way that a budget still makes sense.
Here are some of the 'big rules' I'm looking to implement:
- Have a good plan for how each spending target will be met before applying
- Use each card only for it's intended purpose
- Ensure online account access is set up for all cards for Mint/Quicken integration
- Upon receipt of a new card, note when the card should be cancelled
- Try to limit to 1 main spending card for day-to-day purchases (could be missing out a bit here.. maybe I'm lazy- Chase Sapphire covers a lot!)
- Auto-pay from Checking as necessary
How do the more experienced of you handle this stuff?
- John