PC'd my SkyMiles Platinum back to the Blue. Also have the SkyMiles Reserve so many benefits, save the dining 2x miles, came with the Reserve. But this comes with Blue so I'm good there.
This is the first step to bringing a bit more order to my card lineup. I must admit, after I got my 2nd card which was the Skymiles Reserve(had Platinum at that point), I began to apply a bit more randomly chasing SUBs but not thinking about the long term benefits of each card and also, whether benefits clearly overlapped, not to mention, having several AF cards. Anyway, this is my first step in bringing a bit more logic to the lineup.
Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus Total Revolving CL- $218,900 | Order of Opened Cards Delta SkyMiles Blue- SL-$1K | CL- $22.6K Delta SkyMiles Reserve- SL- $10K | CL- $20K Chase Sapphire Reserve- SL $20 | CL- $12K Cap 1 Venture Rewards- SL $10K | CL $ 21.5K Amex Everyday Preferred- SL $13.1K | CL $10K ( moved some limits around ) Chase Freedom Unlimited: SL $23.4K| CL $72K BOA Unlimited Cash SL: $20.8K| CL $15K moved some limits around) BOA Travel Rewards SL: $20.8K | CL $5.8K(moved some limits around) Amex Blue Cash Preferred SL: $10K Amex Green Card: NPSL / POT: 17K BOA BankAmericard: SL: $5K | CL: $30K
Thank you. I honestly got excited when I started applying for credit again in 2019 but never really thought much about a strategy card-wise. The only thing that made sense at the time was that I use Delta for work travel. But I plan to be more strategic, eliminate AF cards where appropriate and start making sense of the lineup.
Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus Total Revolving CL- $218,900 | Order of Opened Cards Delta SkyMiles Blue- SL-$1K | CL- $22.6K Delta SkyMiles Reserve- SL- $10K | CL- $20K Chase Sapphire Reserve- SL $20 | CL- $12K Cap 1 Venture Rewards- SL $10K | CL $ 21.5K Amex Everyday Preferred- SL $13.1K | CL $10K ( moved some limits around ) Chase Freedom Unlimited: SL $23.4K| CL $72K BOA Unlimited Cash SL: $20.8K| CL $15K moved some limits around) BOA Travel Rewards SL: $20.8K | CL $5.8K(moved some limits around) Amex Blue Cash Preferred SL: $10K Amex Green Card: NPSL / POT: 17K BOA BankAmericard: SL: $5K | CL: $30K
I may downgrade from Delta Platinum to Delta Gold. Travel plans with other people change too often and the certificate is lost.
I can use the bag perk though.
I had considered GOLD but the Reserve and Blue will cover what I need. I just started to realize I was paying an exorbitant amount to Amex to be in their graces.
Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus Total Revolving CL- $218,900 | Order of Opened Cards Delta SkyMiles Blue- SL-$1K | CL- $22.6K Delta SkyMiles Reserve- SL- $10K | CL- $20K Chase Sapphire Reserve- SL $20 | CL- $12K Cap 1 Venture Rewards- SL $10K | CL $ 21.5K Amex Everyday Preferred- SL $13.1K | CL $10K ( moved some limits around ) Chase Freedom Unlimited: SL $23.4K| CL $72K BOA Unlimited Cash SL: $20.8K| CL $15K moved some limits around) BOA Travel Rewards SL: $20.8K | CL $5.8K(moved some limits around) Amex Blue Cash Preferred SL: $10K Amex Green Card: NPSL / POT: 17K BOA BankAmericard: SL: $5K | CL: $30K
NFCU Visa 43k | NFCU Platinum 37k | Cap1 QS 14.5K | Cap1 QS 12.5K | Barclay MC 25k | Delta Gold Amex 40K | Discover IT 22K | CFNA FS 3600 | CareCredit 20k| PayPal Credit 10k |
