Having acquired a number of (usually AMEX) credit cards over the past year or so, I thought it might be time to start consolidating. And here's the funny thing: although we have all here jumped on the bandwagon with the intention of milking the Duo cards for all the Avios they're worth during the bonus period, I might actually keep mine.

Here are my reasons, which I invited the assembled company to pick apart ruthlessly :

• I have a Premium AMEX for the 2-4-1, which I will earn before year-end in in the summer.
• However, what do you get for £150? A 2-4-1 and 50% extra Avios (ignoring the LTSB 2-4-1; I'm not blowing my hard-earned miles in economy!)
• However, my Duo pays 1.5 Avios / £ anyway for the next year at a cost of £50 (minus a £25 refund, apparently).
• OK, I might miss out on a few BA-related points at 3 Avios / £ but with my flying pattern that'll be worth about 300 Avios / month.
• But here's the main thing: although I'm saving up Avios and 2-4-1 for a holiday, I simply don't have the total miles or redemption opportunities to make use of a second 2-4-1. If that changed, I could upgrade back to the Premium AMEX.
• So, for £150 I would receive a 2-4-1 I'm unlikely to use, and about 3,600 Avios. Hardly worth it, surely?

Therefore, after earning the AMEX 2-4-1, I think I'm going to reduce that to a basic AMEX and continue with the LTSB as my main card until renewal next year.

What do you think of that logic?