@cindyandcheese: Update! Now I own 8 credit cards, still have an 800 credit score, and a total credit limit of $113,600. Here's how I organize my credit cards to maximize cashback rewards, track expenses, and manage my finances efficiently with full transparency. From cashback categories to travel rewards, every card has a specific purpose💰 #CreditCardTips #PersonalFinance #CashbackRewards #CreditScore

cindyandcheese
cindyandcheese
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Region: US
Friday 10 July 2026 15:55:58 GMT
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exrllas
ells :
wait what in the world I didn’t know about the apple savings account 😭😭 changed meeee thank you!!
2026-07-27 19:23:07
3
travelwithfiona30
Travel with Fiona 🤎 :
You should look into the Amex Gold! I have it and love it. The rewards on groceries and dining are great, and I use the monthly Uber and dining credits all the time! 😊
2026-07-19 19:10:31
3
betosilvajr13
beto silva :
apple has a hysa??? amex just dropped mine to 3% 🫩
2026-07-11 01:52:23
39
lesslie.l.ortiz
lesslie.l.ortiz :
For the love of God, we need this spreadsheet 😁 😂
2026-07-11 07:17:25
13
mo.nique.j
MJ ♡ :
how did you switch the cap cards i’ve been trying to for months
2026-08-09 19:16:37
0
fyfyp1899764
user893022 :
why not use your savor for subscriptions? 3% cash back
2026-07-11 04:35:52
0
firstambition
Trey :
Hi 👋🏽 finance pro here - just want to correct a myth. Closing accounts do NOT remove them from your credit history because positive accounts stay on your credit report for up to 10 years. However, it could potentially impact available credit, but you said you pay your statement balance in full each month so it shouldn't have an impact for you.
2026-07-10 21:43:51
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michelle_pinon22
Michelle 🦋 :
Can i upgrade secured cards if it been 5 years but limits are the same
2026-08-22 13:18:23
0
laynnie3
Alaynna :
Go check the chase freedom unlimited rewards. I think you can get 3x points on subscriptions. I just my Amex card for my subscription like Disney+ and AMC stubs.
2026-07-10 18:42:23
0
cubancowboy78
Cuban cowboy :
I don’t travel much so I use my Robinhood gold for 3% cash back on everything then put it in a hysa at 3.35% then Costco for fuel 5% back then chase prime for Amazon I have other cards I just put a cheap subscription on and setup auto pay
2026-07-11 17:36:50
0
kendralturner
Kendra Turner :
When you get the cash back where does it go? Like is it applied to your credit card balance or what
2026-07-11 17:42:12
0
themelanatedpa28
Justina :
Are we twins. We have similar personalities money wise
2026-08-04 23:33:33
1
istepter
istepter :
I’m pushing that same limit with literally 2 cards. 8 is insane.
2026-08-12 20:15:06
0
dani_mexi12
dani_mex :
I reached 190k
2026-07-13 07:26:54
0
ulises.g00
Ulises :
Did you have to call multiple time to ask for the product change? I also have the quicksilver and wanted the Savor with a product change, but they told me it was not available, so no I have both. Both are no annual fee so it’s no big deal, but sucks I couldn’t just product change
2026-07-10 16:10:46
0
emilyy0096
Emily :
i thought this said a $13k limit at first and i was like wow that’s extremely low for 8 cards LOL
2026-07-12 08:07:29
3
xosoll
sol :
how did you do the product change for capital one? did you have that offer atm ?
2026-08-03 03:42:37
0
user4220165388538
user4220165388538 :
Sounds exhausting trying to remember which card to use for for soecific purchase types while out shopping
2026-07-11 14:36:16
1
averyxdale
AveryDale :
Which card is your favorite and why don’t you think you’re ready for Amex?
2026-07-10 16:22:31
1
ifadoja
ifadoja :
I'm only holding on to my discover cards because I'm waiting to see what capital one bout to do with them. I have a discover thats my oldest. I'm ready to close them. I just got a no annual fee hotel amex card. I really don't need any of the other cards. I got good spending categories on my other cards.
2026-07-11 01:03:05
1
mariagb105
:) :
Are you planning on selling your expense tracker? I’d love to buy it!
2026-07-10 21:43:30
1
gambit42
Levi :
Can you drop the finance tracker link
2026-07-20 11:17:04
0
optimizedbyelena
OptimizedbyElena :
I used to have an epic spreadsheet but recently decided to switch to Monarch and got it for $30 a year which isn’t so little
2026-08-06 12:25:24
0
yyll17
S :
Pleaseeeee I need this spreadsheet😭😭
2026-07-18 17:24:03
0
nqmilad
میلاد :
So you don’t keep a low balance to be reported when the “closing period “ hits?
2026-07-11 00:49:18
0
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