nothing. I carry all my cash and cards in my pockets. In case I get robbed, I just show my empty wallet.

-Citi Dividend Visa (Citi's usual no BS 5%/1%. My first CC)
-Citi Dividend AMEX (I think this is great, AMEX and the 5%/1% benefit)
-Presidential Bank Checking ATM Card (will get the Visa debit card soon)
-Bank of America Visa Debit (just for atm's)

-Fidelity 1.5% Visa (signed up, waiting for approval. Great Cash Back rate, no limit)
-Discover Card sitting at home not being used. Too much BS, spending minimums and always a new program to sign up for. This month will be the last for it.

-License, work ID, business card or two

I just got an extra small wallet/money clip which I love.
I keep the other random membership cards and a couple checks in my car.
I've made an effort to consolidate lately. Narrowing things down to Citi, Presidential, Fidelity and Bank of America.

I only carry 4 credit cards although 11 other cards sitting home and eating dust while enjoying either 0% or low APR on BTs. I never carry a balance on the below 4 accounts.

1. Discover Platinum - 5% Cash Back on gasoline.
2. Chase Platinum Business - 3% Cash Back on business expense (purchased from Staples, OfficeMax, Office Deopt...etc).
3. Chase Platinum Personal - a new card since 02/2006, enjoying 0% APR on purchases until 02/2007 and 1% Cash Back.
4. MBNA Worldpoint - rarely used since it is not true 1% Cash Back but have it for pricematch just in case.

1) Citi Diamond Preferred Mastercard
2) Advanta Platinum Business Mastercard
3) Chase Rewards Plus Visa
4) Citi MtvU Visa
5) < $50 cash

At home:
6) Discover Student Card(conned into applying by lucrative free food offer on campus)

So basically, I don't buy anything unless I get 5% back, lol. My friends have laughed, but I have also gotten quite a few referrals(=$$). Not playing the BT game...yet. All are within last 6 months. Waiting for CR to recover before starting first AOR.

1) Citi Dividend Platinum Visa - standard 5%/1%, first real rewards card
2) Citi MTVu Visa - probably most used card due to 5% at restaurants & bars that serve food
3) MBNA U. of Illinois Mastercard - first own credit card, now emergency card due to lack of rewards
4) Chase Visa Debit Card - used only for ATMs now since I pay for everything I can with credit

Unused
1) Discover Platinum - piggybacked on my parents account, last resort card
2) Citi Platinum Select/AAdvantage World Mastercard - 25k miles, free companion ticket, annual fee waived first year

Waiting until after I sign a lease for a new apartment and for my last few Citi inquiries to drop off before starting my first AOR.

driver license
hsbc debit card (for atm withdraw only)
student id
work entry accesss card
BR store credit card
citi mtvutm (for restaurant purchases)
citi dividend (for gas and groceries)
citi diamond prefer (will be replacing my dividend card)
AMEX starwood (all things else, I like starwood reward program)
a movie ticket coupon

I carry three debit cards (1 bank, and 1 business card for easy access to cash), and 1 PayPal debit card so I can suck my money out of my PayPal account whenever I get it, plus I get 1.5% Cash Back from it if I want to use it.
1 AMEX Blue Cash that is above the tier (6500+ spending gives 5% grocery, gas, and Drugstore + 1.5% Cash Back everywhere else)
1 Discover Restaurant Cash Back (now dead / no longer gives 5%)
1 Citi Plat Select Dividend, 5% groc., gas and Drugstore + 1% everywhere else
1 Citi Plat. Select.
1 mbna fidelity for tiny purchases to reduce chances of losing my billpay due to abuse (if I make a small purchase or two on it every month, I figure that there will be reduced chances of disciplinary actions taken.)

highmktgoods said: what do app-o-rama veterans do with all the plastic?

I have a three ring binder with business card holding plastic sleeves. I only need three credit cards in my wallet itself.

5%/1% Gas/Groc/Pharm that I haven't used up yet (Citi or Chase)
5% Resteraunt/Movie/Bookstores mtvU
2% Everything else BoA Power Rewards (until I hit 50K to cash out before it gets discontinued

Plus:
Debit Card for cash
Sam's Club
Driver's License
Uni ID

Used to have tons of crap in my wallet (insurance cards, every single CC, pictures, etc). I've downsized to just this:

AMEX Blue (misc purchases)
Chase Cash Plus Rewards MC (5% gas, groceries, drugstores)
BoA Efectiva Visa - (1% anything)
Drivers License
USAA Debit Card

I swap out the Chase card for the equivilent Citi Div Plat Select from time to time.
Also swap out the BoA card for Citi Professional Cash (3% on restaurants) or any other cards I have that need use.

highmktgoods said:So I guess that begs the question, what do app-o-rama veterans do with all the plastic?

I use this..

Text

Personally i carry a $20 and $100 nothing else sometimes my gas rewards cc if i know i gotta buy gas