- Centurion Member
- Posts: 4913
- Joined: Sun May 20, 2012 4:35 pm
- Location: WI
On that note, I went to the Discover site this morning and sent a message asking them to close.
I'm serious about downsizing to a set of core cards that want my business and giving them that business and just going with that.
I'm done with the days of trying to please companies that my customer profile isn't much of a fit for (like Citi and Discover) - if they want your business they'll let you know and take care of you and if not, why give them swipes and keep them around.
I'm done too with having a billion cards to try to squeeze every cent out of rewards - this card for 5% on this, that card for 3% on that, etc until you have so many cards you need to keep track of them in a spreadsheet to maximize your return. I mean if I am THAT worried about saving money, I'll just spend less. I don't care that much about maximizing every rewards penny I'd rather build good business relationships with a core of companies and leave it at that. The rest will take care of itself. Not knocking those who try to optimize every penny it's just that is the kind of analysis I have to do for work and when I'm on my time it's the LAST thing I feel like doing.
So now, honestly, the Freedom and BofA card are on the hot seat. I can't close Freedom as I have a charge coming through on it today but after it posts and I pay that who knows. Nothing against Chase at all, but I'm serious about making my life easier at this point, and as I've stated 3 cards, the two Amex and the Associated is about as easy as it gets. We'll see, but I'm not really currently using either card except a small recurring charge and that's a waste of those cards.