Ya know
@DeeBee78 wrote:
@Anonymous wrote:Hello all,
My oldest card, since I turned 18 (currently 19) is the Quicksilver with the $39 a year fee. I'd very much like to get rid of it and upgrade to a better card. I was looking at the Wells Fargo Sig. Visa cards as a replacement. Also, since I rarely use the quicksilver anymore anyway, it seems silly to pay the $39 a year for nothing. Although, what has stopped me is that it is the oldest card I have had.
Below are the cards I have/had:
Quicksilver - $5,000
Target $1,000 - closed two months ago
J. Crew - $10,000 limit
Best Buy, not the Citi one - $10,000 limit
PayPal Credit - $4,000 -
Amex everyday - forget the limit - closed two months ago (don't need with gold)
Amex blue cash - $15,000 - closed two months ago (don't need with gold)
Amex Gold - no pre set - current main card
I'm very much into my credit (more than I should be...some see it as a bit insane, but I'm sure everyone here understands our obession
) so I'm worried cancelling it will harm me as it is my oldest. According to credit karma I have a 767 with TU and a 743 with EQ. All cards closed above have zero balance. I spend around $1,500-$2,000 on my Amex as its my go to card. I don't like use the QS as much as I would perfer not to put effort in it.
4% utilization rate, never missed a payment, etc. Hope that is enough information.
Thank you to any and all for the guidence. Learning as I go!
You'll never get your CSP if you keep opening cards.
That's true - but if they don't want my business I don't want to give it to them. 
So, I've been looking for alternatives. Noticed the Wells Fargo Visa Sig and kinda have my eye on that one.
@Anonymous wrote:
Kill it. Why pay $40.
That was my thought too. Just didn't want my thoughts to hurt me in the end.
So the $39 AF on your QS1 is an issue, but the $160 AF on your AMEX Gold isn't? 
IMHO, hold onto your QS1 and PC to QS. Going through Chat is the simplest way; I'd go on now and ask if they have any product change offers for you. BTW, if you have a QS1 MC, they won't PC it to a Visa, but a MC version of the card.
@Anonymous wrote:
@DeeBee78 wrote:You'll never get your CSP if you keep opening cards.
That's true - but if they don't want my business I don't want to give it to them.
Hahahaha. What does that even mean?
@SunriseEarth wrote:So the $39 AF on your QS1 is an issue, but the $160 AF on your AMEX Gold isn't?
IMHO, hold onto your QS1 and PC to QS. Going through Chat is the simplest way; I'd go on now and ask if they have any product change offers for you. BTW, if you have a QS1 MC, they won't PC it to a Visa, but a MC version of the card.
I see the value and get much more out of Amex so yes it is worth it to me. Wasting $40 a year just to keep the card isn't. I've chatted twice and they said I have no offers. :/