- Centurion Member
- Posts: 3929
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
What did you used to care about when it comes to credit that you don't care about anymore? As for myself...
1. Permanent APR reductions (but not temporary 0% ones). I'll carry a small balance at 0%, but I'm no more likely to carry a balance at 17.99% than 19.99%. Even if I tried to negotiate APRs down over the course of several years, it would be hard to get below 9.99% on my rewards cards, and I'd want around 4.99% to think about carrying a balance.
2. CLIs. I spread my spending across several cards, and I have an Amex charge card (well, two, but I'll close PRG soon) for anything big.
3. Getting Signature/World upgrades on cards that get "unexciting" spend. Generally overrated (compared to benefits/perks on AF travel cards) and most benefits have some catch or limitation.
WEMC on AA Platinum may conceivably be of value, since I might want some benefit (though I can't think offhand of what) in combination with price rewind and an extended warranty on a large purchase. I certainly don't need WMC perks on a gas/grocery/Amazon gift card Sallie Mae, though, so my Platinum MC is fine.
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