FlyerTalk Forums - View Single Post - Need Help...a bit over my head at this point, need advice
Old Oct 8, 2013 | 8:38 pm
  #3  
mnscout
20 Years on Site
 
Join Date: Dec 2003
Location: Brooklyn, NY, United States
Programs: AA, BA, UA, Spirit, Delta, PC Plat, SPG Gold, HHonors Diamond, Club Carlson Gold, Marriott Gold
Posts: 1,735
Originally Posted by aeneas3
first, I hope your health gets better and you are under proper treatment.


Second and more:

1. Do not sign up for any more cards unless you are able to keep things organized, etc. Spread sheets are an easy way to do this. If you are not doing manufactured spending, a spread sheet that is basic is all you need. You can refer to it when you think about signing up for a nother card etc.

2. It is always worth asking the CC company if they can waive the fee or give you an incentive to keep the card. If not, ask if they can downgrade to a no fee card.

3. you may want to consider a chase freedom card to keep one chase ultimate rewards card open to keep all your points as you close the other cards, if you do close them

Anyway, hope things get better.
As long as you keep one of your premium cards, you will not lose your points or the ability to transfer them. You probably don't need to keep all of them anyway, so try to decide which one is the most beneficial to you (for example Ink cards will provide primary rental coverage but only on business trip, while Sapphire WILL NOT). When you decide which card to hold on to, just transfer all your points to that account, and you're good.

Certainly, do take it easy for a while and don't get overworked over this till you get better. Credit cards can wait till you get better. Best wishes.
mnscout is offline