topic Re: Planning a year end weed whacking of my cards...opinions? in Credit Cards

Planning a year end weed whacking of my cards...opinions?

Anonymous — Wed, 27 May 2015 23:30:10 GMT

Here are my cards:

-Citi DC $14100 limit $0 balance

-Discover It $13900 limit $0 balance

-Chase United MileagePlus Explorer $5000 limit $0 balance

-Barclaycard AAdvantage Aviator Red $10000 limit $0 balance

-CSP $13900 limit $400 balance (paying off this weekend)

Here are my tentative plans, as I want to reduce to 3 cards. Let me know your thoughts...

-Close United MileagePlus Explorer and move the $5000 limit to CSP. I can keep my United miles active by making UR transfers of 1000 every few months. I used MileagePlus Explorer to get in with Chase and don't really use it now that i've gotten the bonus.

-PC AAdvantage Aviator to the non-AF version, then have a recurring purchase on it every month. (i'll do this in June)

-Now the difficult part...I want to reduce the number of banks I am dealing with, in order to not have to check as many apps or websites.

Here are my options:

-Kill Discover and keep DC

-Kill DC and keep Discover

For future reference, I hate Citi and prefer Discover. With that said, Citi simply has better card options. I plan on someday applying for Citis AAdvantage card, in order to get additional AA bonus miles. I would likely not keep the card after a year. I have 79,000 AA miles and want to build up my mile bank.

Re: Planning a year end weed whacking of my cards...opinions?

Anonymous — Wed, 27 May 2015 23:35:10 GMT

Looks like a solid plan to me.. If you dislike Citi then I'd close that card and just use Discover.

Re: Planning a year end weed whacking of my cards...opinions?

MissMoni223 — Wed, 27 May 2015 23:55:59 GMT

Keep in mind that Discover isn't accepted everywhere. What's the harm in keeping both??? Neither has an AF. . .

Re: Planning a year end weed whacking of my cards...opinions?

Anonymous — Thu, 28 May 2015 01:30:18 GMT

Good plan. If it were me, Citi would be gone and keep Discover.

Re: Planning a year end weed whacking of my cards...opinions?

Anonymous — Thu, 28 May 2015 02:34:40 GMT

What about closing both the Discover and DC and picking up a Freedom?

That makes your CSP a better card and gives you the same benefits as a Discover. If you app for it now you can move the United limits around later to better suit you.

Re: Planning a year end weed whacking of my cards...opinions?

Callandra — Thu, 28 May 2015 02:37:31 GMT

^If you are willing to apply for another card, I second applying for a Freedom to pair with your CSP.

Otherwise, I don't know. I would personally just keep the card that gave me the most return for my spend (not sure what that is for you). But if you really hate Citi, then close it.

Re: Planning a year end weed whacking of my cards...opinions?

Anonymous — Thu, 28 May 2015 10:51:18 GMT

@Callandra wrote:
^If you are willing to apply for another card, I second applying for a Freedom to pair with your CSP.

Otherwise, I don't know. I would personally just keep the card that gave me the most return for my spend (not sure what that is for you). But if you really hate Citi, then close it.

I was already thinking Freedom would be good to go with CSP. I think i'll do this and carry my Aviator as my backup. Thanks!