It's a Visa Credit card. But it only works if I transfered money on my card from my current account. I checked again, the card itself says credit card. It's completely free and no interest charges. Perfect for shops that only allow credit card or foreign countries to get cash from atm. It works completely different to my "evil" credit card I can't use my good credit card if the balance is 0. The "evil" credit card basically doesn't have a balance on the plus side, everything above 0 I get back. It goes down to 6000 euro, even though I did not want that much, they recently stocked it up by themselves. And interest charges are high. It's definitely cheaper getting a regular credit than using that card. Using that card is just easy, so that's why it's "evil"
Wait, I have three. My current account came with a Giro card and a Visa card, but the visa card uses the same account and also doesn't give you credit, but is recognized as a credit card as well. The credit card that works like you'd expect from a credit card is a mastercard.
2. My main one i use, then my Best Buy i only use to finance things and pay off in time. Financed an ipod, PS4, nintendo switch... then a debit card for the ATM. But i don't count them.
I only have one. I use it for things that require one like hotel reservations or car rentals. Sometimes I use it for Xmas.
3, 4 if you count the web domain I renew every year through PayPal Credit (only thing I use that for). One is a Sears card (my first one) that I payed off and probably won't use again as Sears is closing their remaining stores. That one was mainly for automotive maintenance since I liked their Seats Auto service. I was getting high on credit during some bad years in my life when money was super-tight, but been dedicating myself to paying off the other two. One I'm making serious headways in since I quit using it, the other I use for some stuff, a little more recently but not too bad.
I have one that I use all the time, a Chase-Amazon card that I get reward points on. My first was a Discover card that has long since been shut down. Several years ago I got a card through Sprint when I upgraded my phone, I barely used that one though; it gave reward points too but you couldn't use them on anything good. Sprint themselves ended that program a year or two ago, I guess no one was using them
I’ve had two for the longest time but had to get a target redcard recently for the transformers exclusives.
You don't have to get the CC version of the Red Card to have access to the RC exclusives. The RC debit card works just as well.
3 One is used for work expenses but I'm trying to shift everything to it. I get a % back on anything spent with it. 5% at Walmart specifically. One of for random stuff, I rarely use it. One is used for emergencies.
A handful, like 6 or 7, mostly store cards. Only one or two have a small balance on them, most I never use. My credit score is excellent, mostly thanks to using cards and paying them off on time.
My wife and I keep two credit cards, neither of which usually have a balance. If we travel, we use one or the other for gas and other incidentals, then pay them off when we get back home. We paid off our combined debts many years ago, after we got married and have done our best to only use credit for emergencies or very large purchases that we need to break up onto payments.
