Originally Posted by gfunk4698844

Ok guys, about to do my first AOR, and read through most of the stuff here. Have 809 credit and:
Current cards:
Fidelity Amex, Chase Ink, Marriott Premier, Amex Blue, Costco Amex, BR and Macy's.

AOR Plan:
US Bank Club Carlson
Barclay Arrival Plus
Chase Freedom
AA Amex Executive
Bank of America CB Rewards
IHG

I have a single question that is a total noob question but I haven't found the answer to it. How are you guys dealing with AFs that have first year waived? Do you cancel before the end of the first year and take the credit hit, or keep paying AFs?