Managing Multiple Credit Cards
- 4814
- 155
-
- Last Comment
Hello Dimers,
Just curious to know on how you will manage multiple credit cards / debit cards. I mean to ask maintaining physically aswellas remembering passwords for multiple credit cards, Debit cards, netbanking, upi etc
Any tips pls?
- Sort By
and take back up regularly !
Answer – Eat 8-10 almonds a day to improve your memory. 
Almonds are one of the finest nuts with huge benefits, including rebuilding of neurons and improving brain functions. To make them more effective, leave them in water for a few hours and take 7 or 8 or 9 or 10 in the morning (remove skin).
I used to eat almost 100 soaked, peeled, grinded almonds per day in past due to eBay offers,I used to purchase almonds, figs, pistachio and khubani in bulk using flat off eBay coupons, and still remember my password and credit debit card numbers expiry dates cvv due date bill generation dates etc
Now again I am thinking to resume almond intake
Any app to remind of bills and due dates? Having 5 cc. Sometimes feel faltu ka bojjh 😀
I think every payment apps send reminders, if u use them once for bill payment.. OR setup auto pay.
Maintain note pad on mobile, note all of them login ID and passwords.
Use hint password instead of actual password on notepad.
Yeah! Doing this and looking if any better alternatives
hving almst 15 credit cards and 10+ bank accounts.. maintaining excel if i spend anything i will go and update available bal on that card .. and also it automatically updates total bank balance too 
@Andhra_Abbayi miridharu goppollu 
Use Organizer App. It has made life many times easier. It automatically gives reminders.
Samsung has integrated features as MS SMS Organizer in their default messaging app with recent update. Although it’s not fully functional as MS, just copy pasted some features from them!
copy paste sammy
So what about passwords? Remembering?
If anyone who does not want to give Personal email access to Cred
Create a new email ID and set a forward in your personal mailbox to that email ID
Give new email access to Cred which will only have statements and nothing else
Even I have these cards
Vistara infinite hdfc Diners Blackciti prestige
sc ultimate
Amex reserve,
gold,
platinum travel,
sbi simply click,
rbl blockbuster,
irctc sbi
Amazon ICICI
ICICI Free Platinum
Indusind Platinum Aura
Diners club miles
Yes bank Exclusive
Yes bank Preffered
Axis Flipkart
Yaar Mujhe tho gum hai ki HSBC Nahi hai mere pass, HSBC Bhi ho gaya tho sad banks ka card hoga
HSBC ka offer chahiye ho kabi to ccontact kar lena meko ..
jab tak aap apna nahi le lete… 
Ya last jugged for HSBC
I use notepad for passwords in encripted format, for CC mostly CRED will send me whatsapp notifications. i use excel once a month to update all the amounts paid to CC to keep my usage history.
use CRED
For accounting, I use good old Tally. Have the details since 2013 in one place.
For card payments, as soon as bill is generated, I create a future dated payment in net banking. Bill gets auto paid 3 days before due date, no need to remember due dates.
For managing passwords, I keep 1st 8 characters same, followed by a specific numerical for each card – 01,02 and so on, and change the whole set every 2 months.
I used to do the same earlier..
but later when I came to know that we can earn cashback by paying CC bill…I started following the same… 
which is not possible by adding standing instruction for neft payment of the bill..
at the end of the day it boils down to one thing.. what you want more .. savings or peace of mind 
This is my personalised excel. Helps me in every sense.
can you share it plz.. seems pretty good 
2nd you too seem to have a nice collection of CC’s
I am more inerested in knowing the status of SC , CITI and the 2 Amex you hold
are all these LTF , if not which one are LTF ..?
It never stopped working for me
This is what I do
All my CC have billing cycle date as 1st of Month or 15th of Month.
So I clear all my bills including utilities/etc around 5th and 20th ..
PIN for all my cards are same…easy to remember.
Only carry 3 cards with me (2 CC and 1 Debit). all other cards sits at home
all my banks allows personalized user ID for netbanking..makes easy to remember the logins
MS Excel.