My Credit Cards and How / Where I use them. How about yours? | Page 4 | Credit card reward programs | Discussion forum

User230 said

I envy those with the no card or one card solutions.

Right now, I just go with one of each approach.

Simply cash 1.25%, Rogers 1.75% and Home Trust preferred 1%.

I use Tangerine for a bit more over the Rogers on select categories. I have it attached to my keychain. For easy access. Made a hole near the middlish part of the card.

I've been gravitating to stop chasing the higher percent back. Relying on card issuers I can trust and that make it easier on the consumer.

Major bank cards I avoid like the plague. Mostly because when I have a problem usually others do to and the phone lines are clogged for days on end due to their high customer amounts. I especially dislike MBNA, Scotia, TD and RBC for varying reasons.

If I were to follow the one card solution I'd probably pick Rogers. I'd probably never get there. I'd probably settle for the two-card solution of Home Trust and Rogers.

I've stopped using AMEX for online as they don't do refunds nicely. It doesn't work good with their PAD payment system.

Disliking AMEX more and more. Keeping it around in case I move to another country. Really the only reason I still have it.  

Scotia Amex Gold looks like a good card to get when you are over 65- it's one of the few who will insure people over 65- gives you 10 days coverage. Also pays you 4% at eligible gas stations, grocery stores, on dining and entertainment and 1% everywhere else, and costs you 99.00 annual fee .