Call BofA to see if you can Product Change the regular Platinum Plus to a Cash Rewards card. This gives you the ability to select a 3% category each month, to fill in gaps in earnings.
@Anonymous wrote:I have a good amount of credit cards. And I use them all randomly or do not use some at all. I was wondering if people on this amazing site can point me in the best direction to utilize my cards. I mostly do grocery shopping, pay bills (Netflix, spotify, gym, cellphone bill, etc) and fill up on gas 3-4 times a month. Additionally, I felt like closing some cards as well because I haven't used them for a while.
Here is what I currently have:
Chase Freedom - $13,000 CL - Opened in May 2017 - Use to buy groceries, gas, dining, other purchases
AMEX BCE - $3000 CL - Opened in March 2015 - Use to buy groceries, pay bills, dining, sometimes gas
Citi Double Cash - $5000 CL - Opened in November 2014 (My 2nd CC, PC'd to Double Cash from Thank You card in 2016) - Occasionally use on purchases
Discover It Cash Back - $2000 CL - Opened in January 2019 - Currently has a balance transfered from another card expiring in 2020 which I am paying off.
Discover It Chrome - $2100 CL - Opened in September 2014 - My first card - Do Not Use
BOA Plainum Plus - $4000 CL - Opened in January 2015 - Do Not Use
So.. which cards should I use for dining/groceries/gas? Which one to pay bills and/or make general purchases on? Which ones would you reccomend me to close?
1. I would use the Freedom card & the Discover IT card for the quarterly bonus categories only
2. For groceries: BCE
3. For gas: BCE, Chrome, DC
4. For everything else: DC
If you only want rewards cards you could cancel the platinum plus, but I wouldn't. I would product change it into one of BOA's other no annual fee cards, such as cash rewards or travel.
Keep in mind that your credit age will change from closing some accounts. If you plan on making a large purchase in the near future, like car or home, then wait to close anything until after. Just make a small purchase on the unused cards to keep active and go from there... 
Edited for accuracy... you guys are correct! I don't know what I was thinking... 🤔
“Most people work just hard enough not to get fired and get paid just enough not to quit.”
@HighAchiever wrote:Keep in mind that your credit age will change from closing some accounts. If you plan on making a large purchase in the near future, like car or home, then wait to close anything until after. Just make a small purchase on the unused cards to keep active and go from there...
Closing accounts will not change "age" as closed accounts stay on CR up to 10 years, sometimes longer and occasionally drop of a bit earlier, but for the most part, there is no immediate impact unless high utilization on other cards is involved.
@HighAchiever wrote:Keep in mind that your credit age will change from closing some accounts. If you plan on making a large purchase in the near future, like car or home, then wait to close anything until after. Just make a small purchase on the unused cards to keep active and go from there...
Why is this incorrect and incomplete information suddenly getting repeated regularly here?
Your Average Age of Accounts includes your own closed accounts for as long as they remain reported and reportable prior to exclusion. For accounts in good standing, that is typically 10 years. Closing an account in good standing that you are the account owner for will NOT have a negative immediate effect on your Average Age of Accounts (nor your age of oldest account for that matter) and will not impact that aspect of a FICO scoring calculation.
One should always give consideration when closing accounts, for various reasons (UTL, # cards reporting, etc). However, an immediate impacte to FICO score based on changing the average age of your reporting accounts is not one of those reasons.
BallBounces: Why is this incorrect and incomplete information suddenly getting repeated regularly here?
I think it is just because of misunderstanding how other scoring algorithms work and that FICO doesn't work that way... thanks for the correction guys...