- Centurion Member
- Posts: 3929
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
How bad is your credit? Maybe you could qualify for an Amex revolver like BCE? They have a lot of the same benefits as Amex charge cards. There's more to a credit report than the associated FICO, of course, but FICOs under 675 have tough odds of getting a revolver.
If you're spending less than $500 a month on it, maybe you don't really even need a charge card of any kind? I'm not using mine much anymore and plan to close it. The signup bonus was great, but the continuing rewards don't justify the annual fee.
With more information about your history, we can get a better idea of your realistic alternatives to keeping the PRG and downgrading it.
Keeping indefinitely: IHG, SchwabPlat, CSP, Discover, Freedom, ED, BCE, Hyatt
May close or PC: Prestige, Arrival, BrooksBros
AA Platinum converting into Costco
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech
Letting new accounts cool off since May