Are you a member?

Membership card is one of the common item in our wallets nowadays. They give us shopping and dining privileges to various places and discounts. 

Maybe just like me, you carry a cardholder that holds up to 20 cards apart from your long wallet!

Are these cards really useful? Should we or should we not, have to carry them everywhere we go to ensure that they are within our reach in the event when we need them!

Lets see what are some of the cards i have. Credit cards of 5 different banks, credit cards to specific stores and membership card for different shops and places
It feels like, i do need all of them right?
but membership cards can sometimes go out of hand as the number of shops and places we go just keeps increasing!

First of all questions:
Do these cards really help you to save more? Personally, YES!
There many shops that may sell the same item, and i will only go to the one that i have a membership card with or have credit card promotions.

So what can i do to cut down on some of the cards i have to carry around?
#1: Look through your credit cards and pick out the one that gives you the most rewards, in terms of discounts and also rewards points. Keep to one main card.

Many people overlook the reward points and simply allow them to expire. But do you know that they can add up to quite an amount? I have already redeemed up to USD$300 worth of vouchers from my credit card points.

#2: Credit cards to specific stores should be carried around because they often gives better rebates and discounts compared to membership cards

#3: Take out those membership cards that allow you to redeem with your personal identity card or mobile number, which many of them do nowadays.

#4: Remove those membership cards of stores that you have not visited for more than a year. The chances of you visiting them again is quite slim and very often you don't even remembered that you have the membership card until purchase is already done!

I'm beginning to appreciate places where membership is linked up with our identification card or mobile number because it makes shopping easier and i do not have to always remember to bring out my whole loads of cards when i go out for some shopping.