Credit Cards Phase 2

navajomyst2003 — Tue, 26 Aug 2014 01:44:31 GMT

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.

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