These 0% APR cards aren't really worth keeping once the 0% APR period ends. My Simplicity loses this benefit in June and I don't use it anymore to begin with. I bought a pack of gum with the card in January and prior to that hadn't used it since November. I've set an auto pay for my Comcast bill on the card, but would honestly just rather have that go onto my DC and at least get something back from it.
So what should I do with it? I'm not really a fan of SDing cards. It just seems like a hastle, not to mention the headache if there are ever fraud charges on the card. My Simplicity was frauded in January of this year, probably from Target. I'm looking to reduce to AT MOST 4 cards.
I've narrowed my decision down to either:
1. PCing the Simplicity card to a Double Cash and killing my current Double Cash card (my current DC limit is $3000, vs $7400 on my Simplicity)
or
2. Getting rid of it period.
What are your thoughts? My util wouldn't take much of a hit, as I never carry balances to begin with. My Discover and WF Platinum have $22,000 in limits between them.
Just for additional information, I intend on closing my US Airways card in December of this year. I opened it solely for the miles and don't fly enough to warrant the annual fee. On the brightside, I now have a free roundtrip international ticket. 
For the future, I have my eyes on either CSP or Chase Marriott Rewards.
@Anonymous wrote:These 0% APR cards aren't really worth keeping once the 0% APR period ends. My Simplicity loses this benefit in June and I don't use it anymore to begin with. I bought a pack of gum with the card in January and prior to that hadn't used it since November. I've set an auto pay for my Comcast bill on the card, but would honestly just rather have that go onto my DC and at least get something back from it.
So what should I do with it? I'm not really a fan of SDing cards. It just seems like a hastle, not to mention the headache if there are ever fraud charges on the card. My Simplicity was frauded in January of this year, probably from Target. I'm looking to reduce to AT MOST 4 cards.
I've narrowed my decision down to either:
1. PCing the Simplicity card to a Double Cash and killing my current Double Cash card (my current DC limit is $3000, vs $7400 on my Simplicity)
or
2. Getting rid of it period.
What are your thoughts? Just for additional information, I intend on closing my US Airways card in December of this year. I opened it solely for the miles and don't fly enough to warrant the annual fee. On the brightside, I now have a free roundtrip international ticket.
For the future, I have my eyes on either CSP or Chase Marriott Rewards.
Well..
Is the APR lower on your Simplicity? If so, PC it to DC and then roll your current DC into it for 10.4K limit.