silver6054 wrote:Sounds like that was the correct decision for you (although I would probably want the $80 anyway!) I understand your viewpoint, I think that a lot of people on myfico for example really overplan/overthink strategy. In many cases a complex multi-card strategy might return $500 dollars a year more than a simple "pay with my 1% card".
Now a lot of us do enjoy playing these games, and so we do, but the gains aren't always that great, and, as I have rudely remarked on myFico, in some cases bigger savings could be had by using the time to clip coupons from local advertising sheets. I am certainly not immune, worrying that I paid with the wrong credit card (getting 1.5% instead of 2%, on a $50 purchase, that's 25 cents...)
Those myFico guys, some of them are nuts. You know the ones I mean - the ones who think that a single inquiry in your entire life is worse than what Hitler did, who think 10% utilization is extremely high and a HUGE red flag, and who if their favorite credit card company started a nuclear war would be talking about how great it is that we'll get some consistent weather out of it. And yeah, who actually worry about .1% rewards difference. They must have a MUCH higher income than I do for that to even matter, and good for them, but personally, I don't care.
I honestly used the Cash + as my primary card for just about everything. With the changes they made, it just had no place in my wallet anymore as it's obvious and been obvious for some time they really don't want people having or getting this card. Well, so be it, I don't now. But I wish I had known they were going to do this so I wouldn't have bothered with it. I do feel a bit cheated, but it's not personal, just business, and maybe in the long run it's a good thing all in all.