Should I cancel ?

[juniornj23]

Should I cancel my amex GPC since i don't travel that much and I just want money back card.
I have the blue cash back ,magnet from amex.

How you guy takes advantage of point card ?

[Anonymous]

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@juniornj23 wrote:
Should I cancel my amex GPC since i don't travel that much and I just want money back card.
I have the blue cash back ,magnet from amex.

How you guy takes advantage of point card ?

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Always a good question to ask BEFORE applying for such cards!

[xaximus]

If the Amex GPC is the SPG you are referring too - then if you aren't using it then I would close it. But be careful, you don't want to fall into any AA since it's possible to be viewed as a churner.

[MrDFinance]

If you talking about the gold card ... It earns decent rewards in my book that u can always save up for a trip and if you qualify u can have a pay over time limit attracted to it.... In my case I have a $25,000 Pay over time limit which is Handy to have because that usage doesn't report on my credit towards my utilization..So I can hold a balance with no hit to my credit if I wanted ... It just gets added to my DTI which barely effects my score... If it is the Gold card you are referring to I suggest calling amex and see if you can get that added to your card to give the card a benefit you literally can't get with any other card besides the Platinum..

[juniornj23]

I totaly forgot about the part not reporting to the CB.
I think I will keep it and use more as my daily card. Any advice on how to spend your point .