I would PC to another Citi PRoduct and keep account remain open for its aged.....You never know when they are going to come out with perfect card will fit in your wallet with rewards !!! I would keep the account for its aged also you dont have to used the card most of the time to keep them open. Maybe charge 1 2 dollars every months .
I regret closed many closed account 5 7 years ago now they about to fall off in my credit file and my score going to ding with low AAOA ;-(
Also maybe be add BCP from Amex
or Discover IT
or Penfed or NFCU.
I was thinking about a PC to the Thank You Preferred. From what I understand, gift cards can be had at a 1:1 ratio, which would increase the value of my Forward. Saying that, the Preferred says it has a no preset spending limit. How does Citi report these cards? Would it report a credit limit?