What do you mean? We just paid off all our cards, have 2 that now sit in a drawer. No annual fee, but have had a few emergencies this year where they came in handy. Large, unexpected purchases unfortunately. Anyway, 1 has a $16k limit, other is $11k. They just sit there. We used all the points built up to order gifts this year.

We have one card that we both use for everything, gas, food, etc. all budgeted through EveryDollar so we know where 99% of our money is going at all times.