u/CorgiStunning2553

While juggling multiple cards I have been bitten by paying interest on my purchase, when I could have easily used a card that I could pay a little later after my paycheck came in.

I am curious to learn how others choose their cards. Is it as simple as using same card for different categories?

Or more complex, considering multiple factors like
- due dates
- statement dates
- grace periods
- limits
- utilization

Also curious about the mental shortcut you use in the moment.

Not trying to debate anyone’s standards, just hoping this can turn into a useful thread for everyone to understand what actually works.

Banks of course do not make this easy to understand.

I see a lot of posts asking if a specific order is worth it, so I thought it might be useful to collect the rules of thumb drivers actually use to make that call.

What do you look at first? I know it’s not as simple as one $/mile rule, so what combination of factors matters most when you’re making the call?

- payout
- miles
- $/mile
- estimated time
- number of stops
- restaurant/store
- drop-off area
- whether it leaves you in a good zone
- whether you have to drive back empty
- tip or no-tip signals
- time of day
- anything else?

Also curious about the mental shortcut you use in the moment.

Not trying to debate anyone’s standards, just hoping this can turn into a useful thread for everyone to understand what actually works.

What do you look at first? I know it’s not as simple as one $/mile rule, so I’m curious what combination of factors matters most when you’re making the call?

- payout
- miles
- $/mile
- estimated time
- number of stops
- restaurant/store
- drop-off area
- whether it leaves you in a good zone
- whether you have to drive back empty
- tip / no-tip signals
- time of day
- anything else?

I’m especially curious about the mental shortcut you use in the moment. Not trying to debate anyone’s standards, I’m just trying to understand from others who have figured it out.