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Hello myFICO forum,
I have 4 credit cards (MC / Visa) & only 1 has any real benefits/rewards (Citi American Aadvantage - Platinum). My question is I would like to (if possible) consolidate / upgrade from that Citibank Aadvantage to the Citibank Executive World Elite as it carries some of the same rewards but some additional ones that fit my needs as I travel a bit for work. Could or should I do this, in essence closing my Citi Aadvantage Platinum? Would it negatively affect my credit score if I could consolidate? If I can't consolidate would applying / getting the new Executive card negatively affect my score?
Follow up question my wife & I have a couple of jewelry store credit cards (Kays/Zales) from our wedding. We have not used them in about 1.5 years. I know it's good to use cards every once in a while. Does this apply to store credit cards? What happens if we let these or clothing store credit cards just sit & not use?
Thank you for all your help!
@Anonymous wrote:Hello myFICO forum,
I have 4 credit cards (MC / Visa) & only 1 has any real benefits/rewards (Citi American Aadvantage - Platinum). My question is I would like to (if possible) consolidate / upgrade from that Citibank Aadvantage to the Citibank Executive World Elite as it carries some of the same rewards but some additional ones that fit my needs as I travel a bit for work. Could or should I do this, in essence closing my Citi Aadvantage Platinum? Would it negatively affect my credit score if I could consolidate? If I can't consolidate would applying / getting the new Executive card negatively affect my score?
Follow up question my wife & I have a couple of jewelry store credit cards (Kays/Zales) from our wedding. We have not used them in about 1.5 years. I know it's good to use cards every once in a while. Does this apply to store credit cards? What happens if we let these or clothing store credit cards just sit & not use?
Thank you for all your help!
Welcome to the Forum
@Anonymous wrote:Hello myFICO forum,
I have 4 credit cards (MC / Visa) & only 1 has any real benefits/rewards (Citi American Aadvantage - Platinum). My question is I would like to (if possible) consolidate / upgrade from that Citibank Aadvantage to the Citibank Executive World Elite as it carries some of the same rewards but some additional ones that fit my needs as I travel a bit for work. Could or should I do this, in essence closing my Citi Aadvantage Platinum? Would it negatively affect my credit score if I could consolidate? If I can't consolidate would applying / getting the new Executive card negatively affect my score?
Follow up question my wife & I have a couple of jewelry store credit cards (Kays/Zales) from our wedding. We have not used them in about 1.5 years. I know it's good to use cards every once in a while. Does this apply to store credit cards? What happens if we let these or clothing store credit cards just sit & not use?
Thank you for all your help!
None of these things will have any significant effect on your credit. I suggest you apply for the card you want if they don't allow consolidation, which I gues they won't. Just let your store cards sit and likely they will eventually close, but that is not a negative.