Double Cash CLI

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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Re: Double Cash CLI

Postby Nixon » Wed Apr 29, 2015 8:45 pm

CarefulBuilder14 wrote:
MemberSince99 wrote:I really do have too many "fee" cards right now - Amex Platinum at 450 a year, Amex EDP at 95 a year, Amex Hilton HHonors at 95 a year, CSP at 95 a year, and Arrival plus at 89 a year. For as little as I'm travelling right at this moment (not at all) it seems a bit much. Then again the travel could start at the drop of a hat - where I work they change their minds by the hour if not by the minute. But I'm starting to question the value of having all these fee cards open when I'm not CURRENTLY using them. I do not want to add anything else with a fee that's for sure.

I haven't stayed at a Hilton for a few years, and I don't know their loyalty program or card terms well, so I can't comment on that one.

You can always get a partial refund on the Platinum AF, then open one again when travel resumes. It's not a card you want to pay for and not use. Keep in mind there's no more backdating, though, if you open a new one later!

Whether you keep EDP or not really depends on your everyday spending, more than your travel plans for work. I'm not sure how much you spend at traditional gas and grocery stores.

To get value from CSP, you really do need to currently travel a fair amount. Freedom can quietly store and rebuild UR points without a CSP. I think you have a Freedom?

With both UR and MR cards (and no recent travel), I'd say you're spreading your spending out too thinly to need the Arrival+. I'd downgrade that to the no-AF version - if you're going to use the EDP a lot, at least.

I wouldnt close it then. I would downgrade to Sr. Green and then upgrade again when travel picks up again.

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Re: Double Cash CLI

Postby lg8302ch » Thu Apr 30, 2015 1:09 am

pswinontario wrote:To check prequalified offer online, does it hurt your credit score?

Is it a hard or soft inquiry?

It's a soft and does not hurt your scores - so go ahead as many times as you like :)
(next time it would be better to ask in a new thread)

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