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View Poll Results: How many total credit cards/debit cards to keep in wallet/purse?
0 - what's a credit or debit card? 0 0%
1 - simple enough 21 14.79%
2 - a primary and a backup 43 30.28%
3 - a primary, and two backups 50 35.21%
4 - four or more, the more the merrier 24 16.90%
5 - other, there's always an other option 4 2.82%
Voters: 142. You may not vote on this poll

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Poll: How Many Credit/Debit Cards in the Wallet/Purse?
Old 05-13-2012, 12:35 PM   #1
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Poll: How Many Credit/Debit Cards in the Wallet/Purse?

I'm going soon on a trip for a niece's graduation. Traveling almost 1000 miles. Today I was lightening my wallet (putting away all those rewards cards).

Then I asked myself "How many total credit/debit cards should I bring along?"

Like most things, I'm sure there probably isn't a totally correct answer. But would like to read your opinions and of course, a poll .


Note: for Debit card, I'm talking about a debit card of a checking account, not a giftcard.
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Old 05-13-2012, 12:41 PM   #2
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I usually carry two credit cards (visa, AmEx) and one ATM card, and some cash. When on the road I usually carry more cash and keep some in the briefcase.
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Old 05-13-2012, 12:44 PM   #3
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As of this morning, I had 5 in my wallet. A Discover, a Mastercard bank debit card, and and three other Visa cards. But now I'm thinking, three total would be more than enough.

Though one time, in a few days timeframe, I had two rejected as the cc companies thought there was a security reason to reject them.
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Old 05-13-2012, 12:45 PM   #4
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I said two, though it's really one credit card and one ATM /debit card. I have a $100 tucked away in my wallet, but I've had to break it it out less than once a year. Like MichaelB, when I travel I carry another $300-500 in cash just in case, I can't remember ever having to use that.

I use PayPal online whenever it's an option, does that count as another? And I'm looking forward to the day when smartphone payment apps are ubiquitous and I don't need any "cards" - then I can vote ZERO.
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Old 05-13-2012, 12:51 PM   #5
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Carry at least 2 credit cards, each from a different bank. Years, ago, my bank placed my payment for both cards on one of the two accounts. As a result, one had a credit, the other was deliquent. So, they cut off BOTH cards just when I had taken 10 guests out to a business dinner. I learned.......two banks, so I carry a Visa card and a AMEX card........never had a problem since.

And, I always have cash as well. lots of singles, fives and tens. If you run into a problem, "tip" money fixes a lot of problems. I'm amazed at people that have to use a credit card for a cup of coffee at Starbucks.
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Old 05-13-2012, 12:55 PM   #6
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One credit card and one debit/ATM card. I use cash for most of what I buy so neither gets used very much, especially the debit card for purchases (last time was back in 2006 or 2008, I forget which).
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Old 05-13-2012, 12:58 PM   #7
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One card for the past 30+ years and use it primarily for gas and on line purchases and pay the balance monthly and can honestly say I have never paid a penny in credit card interest.
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Old 05-13-2012, 01:18 PM   #8
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3 Cdn credit cards (2 Amex, 1 Visa) :1 USD Credit card (Amex), 2 Debit cards one CDN one US. This whole cross border thing complicates it a lot. You have no idea how hard it is to get a US credit card without a SS number.
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Old 05-13-2012, 01:22 PM   #9
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Quote:
Originally Posted by MichaelB View Post
I usually carry two credit cards (visa, AmEx) and one ATM card, and some cash. When on the road I usually carry more cash and keep some in the briefcase.
Same here, except for the briefcase.
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Old 05-13-2012, 01:49 PM   #10
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Like others, I carry 2 ccs (DC and MC) and a debit/ATM card that I use mostly for occasional cash hits.

Back in the 70's I must have carried a dozen or more ccs (big fat wallet) but when most gas stations/stores began taking MC/Visa/DC, I cut up the gas cards and store cards. Less is more.
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Old 05-13-2012, 01:53 PM   #11
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Just one, a debit Mastercard, which I use for getting gas or groceries and so on. When I travel I do take more cash with me, out of habit.
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Old 05-13-2012, 01:54 PM   #12
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Two credit cards and one ATM card -- the second credit card is a backup in case the Penfed Visa is compromised (again).
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Old 05-13-2012, 01:59 PM   #13
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I take 2 CCs and leave my debit card at home when on the road. I also take plenty of cash. I notify the CC company ahead of time to let them know where I will be using the CC so there are no denial issues.
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Old 05-13-2012, 02:05 PM   #14
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I carry two in my wallet and another in my computer bag. Also I carry an emergency $100 - not a hundred dollar bill.
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Old 05-13-2012, 02:12 PM   #15
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2 debit cards from accounts with my credit union
2 VISA cashback cards, same bank, different accounts.
Approx $100 cash when close to home, up to $400 when away
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Old 05-13-2012, 02:15 PM   #16
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two credit one debit for checking and one debit for HSA
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Old 05-13-2012, 02:51 PM   #17
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I only carry things in my wallet that I'm happy to lose or surrender.

Two credit cards (two different issuers), an ATM card, up to $100 cash. I carry a blank check, too, although that's a 1970s habit that probably needs to stop.
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Old 05-13-2012, 03:22 PM   #18
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1 credit card for online and store purchases since it is easier to return items.
If I frequently traveled long distances and out of state more I would have to get a debit card. I carry cash and a checkbook plus the one credit card.
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Old 05-13-2012, 03:47 PM   #19
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One credit union debit card (VISA logo) that's tied to my checking/savings accounts at that institution, and one AAFES credit card (Nords and other military types will know what that is about). No other credit cards. Shredded them all a few yrs ago.
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Old 05-13-2012, 03:57 PM   #20
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I was down to my third credit card on one trip after buying rental car gas at two stations in one day. The card company that issued my first two had a fast fraud trigger finger. The third card worked to get my pre-rental-return fillup. Add in a couple of debit cards and my wallet is a bit thick.
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