Reader Craig asked,
I would like to start opening up credit cards for my wife, but don’t want to need to have two separate user names to track for each of the banks. Any way to combine to make tracking easier?
Managing myriad frequent flyer accounts, and credit card accounts, can get complicated.
In general you’re going to need to create a separate online account for each person with each bank (and sometimes more, my Chase business cards have a separate login from personal and the same is true for Citi and Bank of America).
One thing that can help though is adding your credit card accounts to Award Wallet so that your access is all in one place, single click login.
More generally though is — how do you manage what cards to use for which purposes, where you are on signup bonuses and what you want to use for different spend categories?
One of my favorite suggestions came from commenter Acker:
I thought about simplifying but love this game. I have so many darn cards – active and not. With the exception of the cards I’m working at any given time, I keep them semi-organized in a small zip lock (actually it’s a quart-sized bag).
I use a black sharpie and write right on the cards “2x gas” “50k w/ 10k spend” “cancel 1/2012″ etc. I can only imagine what waiters and clerks think, but who cares?
When I cancel a card, I write a cancel sign on the front of the card with the date cancelled. I even thought of making a Chicago Do Halloween costume out of the 50+ cards.
I won’t even guess how many elite hotel/airline cards I have. Why I keep the old cards, I don’t know.
Oh, I have a zip lock for my husband’s cards too. He has no interest in churning, so I do it for him. Of course I’m on top of our credit scores. He digs the perks and is game to switching cards whenever I need him to. I’ve got about 12 Amex cards (maybe more?)
I prefer an Excel spreadsheet myself…