How would you do it differently?

[DigitalArk]

Before the annual fees of CSP and Arrival hit, I will transfer the credit limit on CSP to Freedom and then close CSP. I will downgrade Arrival to the no AF one. After that, I will PC my goRewards to Flagship. In this case, I will have a Visa Sig and a WMC with no FTF, and Flagship will be my everyday card. In fact, I would love to have Arrival as my everyday card, but Flagship is cheaper with a similar reward structure (I am aware that by doing so, I will lose the 10% for travel redemption from Arrival). I am doing all of this because I want to build a solid relationship with NFCU. My only complaint is that NFCU does not allow anyone to set up auto pay for credit card statement balances with an external checking account. It will force me to pay manually, which is a little bit inconvenient. I am not ready to switch my main bank to NFCU yet, may never will.

How would you do it differently if it was you?

[enharu]

---

@DigitalArk wrote:

Before the annual fees of CSP and Arrival hit, I will transfer the credit limit on CSP to Freedom and then close CSP. I will downgrade Arrival to the no AF one. After that, I will PC my goRewards to Flagship. In this case, I will have a Visa Sig and a WMC with no FTF, and Flagship will be my everyday card. In fact, I would love to have Arrival as my everyday card, but Flagship is cheaper with a similar reward structure (I am aware that by doing so, I will lose the 10% for travel redemption from Arrival). I am doing all of this because I want to build a solid relationship with NFCU. My only complaint is that NFCU does not allow anyone to set up auto pay for credit card statement balances with an external checking account. It will force me to pay manually, which is a little bit inconvenient. I am not ready to switch my main bank to NFCU yet, may never will.

How would you do it differently if it was you?

---

it's entirely up to you. 

it sounds like you have zero use for travel rewards cards in general, so might as well change / close the accounts.

[-Wade-]

---

@DigitalArk wrote:

Before the annual fees of CSP and Arrival hit, I will transfer the credit limit on CSP to Freedom and then close CSP. I will downgrade Arrival to the no AF one. After that, I will PC my goRewards to Flagship. In this case, I will have a Visa Sig and a WMC with no FTF, and Flagship will be my everyday card. In fact, I would love to have Arrival as my everyday card, but Flagship is cheaper with a similar reward structure (I am aware that by doing so, I will lose the 10% for travel redemption from Arrival). I am doing all of this because I want to build a solid relationship with NFCU. My only complaint is that NFCU does not allow anyone to set up auto pay for credit card statement balances with an external checking account. It will force me to pay manually, which is a little bit inconvenient. I am not ready to switch my main bank to NFCU yet, may never will.

How would you do it differently if it was you?

---

I would open a checking account with NFCU and keep money in it so I could set up auto pay on my NFCU credit card and put money the first of every month to cover my cc payments! i have 4 or 5 checking account at different banks and CU

[SnackTrader]

Well, my first thought here is a question. I have yet to see a downgrade from AF Arrival to No-AF Arrival successfully completed on these boards. Admittedly, I have been slacking and not visiting as often as I should. But, do you know for sure that you will be successful in doing that? My curiosity primarily results from my desire to also downgrade at some point. 

Otherwise, it seems like a fine plan. Make sure you redeem your Arrival points at least once before the downgrade, if you haven't already. The $400 signup bonus alone gets you an additional $40 once redeemed...

[DigitalArk]

---

@enharu wrote:

---

@DigitalArk wrote:

Before the annual fees of CSP and Arrival hit, I will transfer the credit limit on CSP to Freedom and then close CSP. I will downgrade Arrival to the no AF one. After that, I will PC my goRewards to Flagship. In this case, I will have a Visa Sig and a WMC with no FTF, and Flagship will be my everyday card. In fact, I would love to have Arrival as my everyday card, but Flagship is cheaper with a similar reward structure (I am aware that by doing so, I will lose the 10% for travel redemption from Arrival). I am doing all of this because I want to build a solid relationship with NFCU. My only complaint is that NFCU does not allow anyone to set up auto pay for credit card statement balances with an external checking account. It will force me to pay manually, which is a little bit inconvenient. I am not ready to switch my main bank to NEFF yet, may never will.

How would you do it differently if it was you?

---

It's entirely up to you. 

It sounds like you have zero use for travel rewards cards in general, so might as well change / close the accounts.

---

I travel overseas once every other year. I had redeemed my sign up bonus of Arrival at the end of last year. It's a really nice card to have.  

[DigitalArk]

---

@Wade64 wrote:

---

@DigitalArk wrote:

Before the annual fees of CSP and Arrival hit, I will transfer the credit limit on CSP to Freedom and then close CSP. I will downgrade Arrival to the no AF one. After that, I will PC my goRewards to Flagship. In this case, I will have a Visa Sig and a WMC with no FTF, and Flagship will be my everyday card. In fact, I would love to have Arrival as my everyday card, but Flagship is cheaper with a similar reward structure (I am aware that by doing so, I will lose the 10% for travel redemption from Arrival). I am doing all of this because I want to build a solid relationship with NFCU. My only complaint is that NFCU does not allow anyone to set up auto pay for credit card statement balances with an external checking account. It will force me to pay manually, which is a little bit inconvenient. I am not ready to switch my main bank to NFCU yet, may never will.

How would you do it differently if it was you?

---

I would open a checking account with NFCU and keep money in it so I could set up auto pay on my NFCU credit card and put money the first of every month to cover my cc payments! i have 4 or 5 checking account at different banks and CU

---

I do have a checking account with NFCU and have set up auto pay my credit cards. Be aware if you use the new account access website, you cannot set up a recurring transfer to any of your credit cards (at lease to me). I have called NFCU and reported the problem.

[-Wade-]

---

@DigitalArk wrote:

---

@Wade64 wrote:

---

@DigitalArk wrote:

Before the annual fees of CSP and Arrival hit, I will transfer the credit limit on CSP to Freedom and then close CSP. I will downgrade Arrival to the no AF one. After that, I will PC my goRewards to Flagship. In this case, I will have a Visa Sig and a WMC with no FTF, and Flagship will be my everyday card. In fact, I would love to have Arrival as my everyday card, but Flagship is cheaper with a similar reward structure (I am aware that by doing so, I will lose the 10% for travel redemption from Arrival). I am doing all of this because I want to build a solid relationship with NFCU. My only complaint is that NFCU does not allow anyone to set up auto pay for credit card statement balances with an external checking account. It will force me to pay manually, which is a little bit inconvenient. I am not ready to switch my main bank to NFCU yet, may never will.

How would you do it differently if it was you?

---

I would open a checking account with NFCU and keep money in it so I could set up auto pay on my NFCU credit card and put money the first of every month to cover my cc payments! i have 4 or 5 checking account at different banks and CU

---

I do have a checking account with NFCU and have set up auto pay my credit cards. Be aware if you use the new account access website, you cannot set up a recurring transfer to any of your credit cards (at lease to me). I have called NFCU and reported the problem.

---

gotcha ! That sucks that you can't pay your other cc from that checking account

[DigitalArk]

---

@SnackTrader wrote:

Well, my first thought here is a question. I have yet to see a downgrade from AF Arrival to No-AF Arrival successfully completed on these boards. Admittedly, I have been slacking and not visiting as often as I should. But, do you know for sure that you will be successful in doing that? My curiosity primarily results from my desire to also downgrade at some point. 

Otherwise, it seems like a fine plan. Make sure you redeem your Arrival points at least once before the downgrade, if you haven't already. The $400 signup bonus alone gets you an additional $40 once redeemed...

---

I have spoken with Barclaycard rep last year and he told me that it should not be a problem. He suggested me to get the sign up bonus first, then downgraded it before the annual fee hit.

[enharu]

The arrival is a nice card to have, but so are many other cards. What matters most is whether its a card that's worthwhile for you to keep, and based on what you have said, it doesn't quite seem like it, which is why you are trying to have it changed to the 0AF card.

If you travel that infrequently, you are most likely better off with cashback cards in general. With any points / miles based card, there is always a risk of devaluation, which is why you don't want to hold onto those points perpetually.