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@creditwherecreditisdue wrote:
If I didn't have to deal with Chase I wouldn't. But my indenture was sold to them so I am stuck. Already being in bed with them requires one type of decision and closing the card might not necessarily be in one's best interest. However, if I did not already have accounts with them, whether by previous choice or transfer I would never get involved with them! Way too much drama for something that should be dirt simple!
You and Hauling make a very good point and give great advice in this regard to members here.
For me, I want to close one or two cards before I apply for another. Closing any cards I carry will not adversely affect my CRs. I am at the age and financial position now where I have little concern about what my AAoA might be in 10 years. This allows for a position of strength when making CCs decisions. However, I would prefer less age that typically provides less strength.
Currently, I have 7 cards that average almost 20k each, with no reported balances, which creates more exercise than I truly want to concern myself with any longer. Besides, seeing "closed by consumer" on my CRs at this point in my life is just fine by me.
I would not recommend, any member, take the kind of action I plan with my CCs. I have read much information here and to advise one to do so would be bad advice.
Greetings to all!
I recently called in and was informed they're switching my rewards program to UR also, on Oct. 30th. They also said they are ditching the $250 check for $200 in rewards because it wasn't profitable for them. I was sitting at $167 in rewards, and asked the CSR if that meant I had till Oct. 30th to get to $200, which he replied yes. So I threw a $3000 down payment for a car I recently bought on it, in addition to some of my monthly spending that normally goes on my Amex Gold.
When my statement cuts tomorrow, hopefully I can request that last check. That way I don't have to worry about the new lame rewards structure.
Haulie, did you ever find anything to drop your Amex points on?
FretlessMayhem wrote:
Haulie, did you ever find anything to drop your Amex points on?
@haulingthescoreup wrote:
I cleaned up on restaurant cards! --pretty much the only way in my lifetime that I would ever be able to set foot in a Ruth's Chris or Chris's Ruth or Steak's Chris's Ruth's House or whatever the heck it's called.
UMMMM butter.