MemberSince99 wrote:BofA was used once in the last 6 months, only to keep it open.
To me, that would be an indication the card doesn't have a place. Unless it has some good perks or offers, it's not going to suddenly become valuable in a specific situation like a store card could. I only plan to keep BCE open for offers. I know your history is more complicated as far as utilization/BTs/AAoA.
MemberSince99 wrote:Citi I just transferred a balance to. I can't use it for daily purchases until the balance is paid off, but once that happens, I will use it regularly to get the 2%. The fact they gave me a 15k limit on it only increases my inclination to use the card. It will just have to wait until I pay off the transferred balance since I don't dare risk interest on it at 23.24% or whatever it is. (I'm just starting the 15 month 0% promotion period).
I don't see much more appeal in a high-CL 2xCash than a low-CL one. It would only be for places that don't take Amex, and I think you said you had a higher limit on EDP.
MemberSince99 wrote:CSP, well you know this is kind of stupid but I got it simply because it's a metal card. I really have no use for it at present but I figured I could get the first year free, and get grandfathered in to the 95 annual fee, and if it just doesn't work for me long term, move the limit to Freedom which I don't use either.
I find the terms of CSP odd. It seems like it's very difficult to get a retention bonus as a simple loyal customer, yet they only loosely limit churning for bonuses and/or waived AFs? I've heard mixed comments about how churn-tolerant Chase is.
And do you get all your food from a warehouse club or something? I can't imagine both Q1 and Q2 Freedom being of no use to a person.
Right now if anything goes I'd probably close the Arrival +, and move the CSP limit to the Freedom, and close the BofA card. That would still leave me with too many but it would be a start. I don't want to close any Amex because they are backdated and as we all know that's been done away with. So I don't want to close any of the Amex cards, but I'll probably never apply for another one.
If they tell you that you can't downgrade Platinum - only keep it or close it - then you will be in a tough spot.
I would have previously said to downgrade Arrival+ to the no-AF version, but since I've learned that is not easily done, I'm not sure what is best for you there.