The other day I was asked which are the credit cards I shop most often with. Well the truth is, these days I’ve switched to using debit cards. I’ve also cut up a few of my credit cards and am planning to keep just about 2 or 3. So as to the question of which cards get to be kept in my purse and also the ones that I tend to us, it all depends…
I don’t normally check out what promotions are being offered by which cards. I use them more because I’m influenced by the point of purchase displays that I see at the stores when I’m at the cashier. I think HSBC does a pretty good job in placing their privileges displays at many of their partner merchants, so I guess I tend to use more of that card if I want to enjoy the discounts.
Other than that, I would use a specific card to enjoy some rebates for my petrol purchases. I used to have cards that offered cash back too but I’ve decided to cut that off as I find that I don’t charge up that high a bill to get good cash backs anyway. So I use my cards just for discounts on shopping and rebates on fuel.
What about you? How do you use your credit cards wisely when shopping? Do you consciously plan your shopping so that you consolidate your purchases on one card to either get the reward points or rebates, or do you spread them out just because different cards offer different discounts?
