@baller4life wrote:Well the purge of useless cards have begun in preparation of fine tuning my portfolio. First up, BCE. Unfortunately Sallie Mae has totally made this card useless to me. And rather than keep it sock drawered, I just decided to close it. I only got it in the first place because I was going to close my old Delta Gold before the fee became due and transfer my $25k limit to BCE which is only $2k. However, I later learned I could simply pc to HHonors which I did. One less card to manage! YAY! Next up Diner's Premier!
Baller? Should i take your Temperature? Are you alright?. 
Don't say you are even thinking about closing the DinersClub. Yikes!!!!. As im waiting to get the elite. There is not way it is affecting you. Not AAoA or anything else. Im just checking.
Haha ok taxi. Send me the $95 af for this sock drawered card.
@taxi818 wrote:
@Anonymous wrote:Good call. No sense paying that kind of money for something you don't use.
That $95 is well worth the Hidden TL. Usage or Not. The Fact that you can Charge at will with no affect what so ever to your fico. says volumes. Its not like it is a regular Tl. so pony up. save the pennys. But pay.
Well here's the thing. True it's a hidden tl. But I'm not feeling paying 13.5% apr on a card and I have a 8% Ring and a promotional 6.99% apr HHonors. So if I needed to carry a balance, I would do so on a much lower apr card. Or use the hidden RBFCU 8.90% apr ploc I'm apping in a few months. 
@baller4life wrote:
@taxi818 wrote:
@Anonymous wrote:Good call. No sense paying that kind of money for something you don't use.
That $95 is well worth the Hidden TL. Usage or Not. The Fact that you can Charge at will with no affect what so ever to your fico. says volumes. Its not like it is a regular Tl. so pony up. save the pennys. But pay.
Well here's the thing. True it's a hidden tl. But I'm not feeling paying 13.5% apr on a card and I have a 8% Ring and a promotional 6.99% apr HHonors. So if I needed to carry a balance, I would do so on a much lower apr card. Or use the hidden RBFCU 8.90% apr ploc I'm apping in a few months.
For sure the ring is a game changer as far as Apr and even promo apr is very good. if you got another hidden Tl. 13.15 is actually not that bad either baller. in my case it is not my lowest. but my Credit union card is 9.99. but wow. Bmo has been good to me. so im loyal. i maxed it out soon as i got it. and slow payed as well. always 2-8 times minimum. but they have never said a single word to me. keep in mind i only have 5k limit. but im sure lots of 20k to 40k limits is what i was thinking. I see you are really getting rid of the Af cards. What did you pc to get the hilton?. I know they will do the Delta as well to hilton if i want no AF card. and i may just do that when i hit 13 months in November. Will you lose your history when you Pc. or they keep the card number the same with the account number?