spy23714 wrote:Should I just hang on to the Helzberg card for utilization purposes and just let them close it when they may? Is there a ballpark time in which they'll usually close a card due to inactivity?
I see a lot of talk here about AF. Typically, from what I've seen, AF are between $19 and $79, but a lot of fuss is made about them. Is it the fact that you're paying the fee for a card you're not using and that is just a wasted $79, or is there something I'm missing? It seems like $79 over the course of a year isn't that big of a deal if it's helping in other areas like utilization or AAoA.
Hanging on to the Helzburg is up to you. In that situation, I WAS in your shoes. I had a specialty card, Lumber Liquidators with a $3600 CL that I closed after I made a purchase and paid it off. I knew I'd never use it again, and at the time I'd just gotten another card with a $5K CL, so I didn't really lose anything with utilization.
AF is a judgment call. It's up to you (or anyone for that matter) to determine the worth. There are folks that do the math to the nth degree to determine if it's worth it. There are others that ballpark the value of an AF. There are a lot of AF that are a lot higher than $79 ($95 to $495). Again, "worth" is an individual value. If it's worth it to you, then it's worth it. Doesn't really matter what others think.