I got a third credit card recently so that I would have a Visa to use for personal expenses at the 2 places I go to that don’t take American Express. (Yes, I hate using my debit card that much.)
So as it stands now I have one debit card that I hardly ever use, one debit card (for our joint account) that I use for groceries and that’s about it, a credit card strictly for my business expenses, an American Express that I use all the time, and this new Visa.
Apparently the new Visa is the straw that broke the camel’s back, because for some reason I’ve just had a much harder time keeping things straight account-wise since getting it.
But I’ve got to keep everything straight.
So I’ve been carefully checking the last four digits on the receipts to be sure I’m entering charges to the right accounts. (I set up my credit cards as if they were checking accounts in Quicken.) I’ve been making sure I enter receipts much more regularly — aiming for daily — instead of once or twice a week like I’d somehow gotten in the bad habit of doing. But when I compare my statements to Quicken, there are usually still a few places that I’ve messed up.
It’s frustrating, but I’m not sure what to do. I take that back — the obvious choice would be to just close the new Visa and go back to using my debit card at places that don’t take Amex, but I’m not thrilled with that idea.
Maybe I just need some time to adjust to things, but if this doesn’t clear up soon I’ll have to get busy brainstorming. Do you handle your credit cards similarly, if you use them?