So I have spent the last 10 months in and out of app sprees and this is my current line up:
BOA:
BBR MC CL $25,000 with $6300 balance at 0% thru 2/15
Visa Sig Cash Rewards CL $20,000 with $5800 balance at 0% thru 2/16
Bass Pro World MC $6000 CL and 0 balance
Chase:
CSP CL $22,000 - will start running about $12,000 month thru it beg in Sept for in-laws assisted living
SWA Visa Preferred - CL $6000 go to card for airline travel (fly SWA a lot)
Amex:
PRG NPSL - currently our everyday card and run average of $2500 month through it (no AF until 5/15)
Green - replaced by PRG and no AF until 3/15
Hilton Honors $2000 CL ( we stay at Hilton a lot)
Blue Sky CL$7000 with balance of $1100 at 0% thru 2/15
NFCU:
Flagship CL $25,000 (daughter in USAF is AU and runs about $500 month thru it and PIF)
CashRewards CL $25,000 with no balance and periodic use and PIF
Others:
Barclays Ring MC CL $10,000 and 0 balance (little use)
Cap1 QS Visa plat CL $8000 ( little use)
Wells Fargo Visa plat $7500 (little use)
PenFed Promise Visa CL $3000 (not used)
discover It CL $4000 (use for rotating 5% categories)
so over the next 10 months I will start collapsing some of this. Here are my thoughts and I would really appreciate your feedback and suggestions:
BOA collapse into a Fidelity Amex if possible or at least in part. I have a Fidelity CMA and other accounts.
Amex - cancel Green before first AF. PC Blue Sky to????
Chase- reallocate unneeded CSP CL to SWA
NFCU - consolidate into Flagship?
Others- leave them alone since there are no AFs on them and just maintain them?
thanks in advance for the feedback!
P.S. Can't really think of any more cards needed so I should be app free for awhile.
