rockyrock wrote:It really depends on the available credit. My USAA Amex has never seen the light of day and still has the activation stickers on them >2 years now. I have no plans to use it but keep it open b/c it represents 10% of my total available credit. That is quite valuable to me.
I have about $20k of credit across EDP/CSP/Freedom, plus NPSL on PRG. That's enough for me, so it's really a question of whether I want to keep a SD account active via "life support" for a while.
Come Q1 2016 (only 5 months away), Sallie Mae will probably be my best card for Amazon, despite the "gift card" intermediate step for some things. I've been buying some digital books and videos, for which I generally wouldn't need top-tier customer service. It would be unusual for me to exceed the $750 cap.
I'll keep it active for the time being. Closing it gives me only a tiny improvement in simplicity (I'd be logging into Barclaycard to review charges and pay off one card vs. two).
OTOH, there are small, but several, benefits to keeping it open (2016 Amazon rewards, AAoA maximization for future bonus hunting/churning, and a good complement to BCE as a backup card I don't carry in my wallet.
So Sallie Mae lives! I still don't care if Brooks Bros goes inactive, though.