I have no plans for anything new for the foreseeable future. If Amex wanted to offer me 100K for a Platinum I would jump on it, but not holding my breath on that one.
CarefulBuilder14 wrote:I'm also less interested in keeping no-AF (but low value) cards open just for the sake of AAoA.
I think that is pretty overrated, especially once your credit is established and you have other things open. I mean, anything closed stays on for 10 years anyway. I haven't actively closed anything, but I also don't do anything to keep them alive. They'll be closed eventually by the lenders (I'm also talking about store accounts that have been inactive for a while here, so the risk of fraud is very low).
Vermonster wrote:(non credit card related) After being together for 8 years and more than one married, we finally combined bank accounts. It was a big move for us and feels a little weird. But the biggest reason is to simplify finances. We are starting to use YNAB to help us start putting money towards some investments and some savings for a downpayment on a house. Having all the money move through one account is making it much easier to track. It's an interesting journey and learning experience so I will probably be talking about it more going forward.
Despite the wierdness of such a big shift, have you gotten used to it now? It is a big adjustment. My wife and I have been together for 8 years, too (married a little over two), and we combined bank accounts really quickly. Faster than I would recommend to anyone (I also got married a lot younger than I would recommend to anyone, but hey, when you've found the right person...), but we had just uprooted and moved for college with very little income or assets and one bank account was just too convenient.
Now that we're out of college our incomes go to different bank accounts, though our finances are still completely combined. I just wanted to use one for credit card spending, essentially, to keep that in check. The other is for saving/long-term stuff. Plus we wanted to keep a great local bank account from our college town, but didn't want to have ALL of our banking's brick and mortar locations to be hundreds of miles away.