Tubpbs wrote:EDP - what changes if they won't PC (I'm sure they will)?
PRG - what would make you keep it open? I would keep it for age of account, but I don't think yours is that old....
CSP - what in the 25% would lead you to close it? What makes you want to keep it open?
EDP: I'll have about 2 months between the first time I try to PC it and the time of the next AF. I'll have time to decide.
PRG: Flying a lot more, or getting some really good offers. It's not that old. I pay separately for AAA.
CSP: Close: The opportunity to transfer substantially all my URs and use them efficiently, draining my reserves for a while and making the ability to transfer points meaningless. I just paid my first AF on it, though.
Keep: I do make a few large dining and travel transactions with the card. That really cuts into the effective AF. I also use Freedom.
The cards I'd replace PRG and AA Platinum with would probably be Citi Hilton Reserve (bonus only) and Barclaycard Wyndham (if there's another promotional guaranteed retention bonus).
*I'm a bonus hunter, but I might be willing to take a small loss (like $10 or $20) on a card in its second or third year to have my AAoA look a little better. CSP, PRG, and EDP have more value after the first year than AA Platinum or Citi Reserve likely will for me.