Originally Posted by Beetlesauce

Switch is easy but some of us have Softcard Serve which allows $1500 CC load in $500 increments plus higher max limits. That's what's causing pause. You lose that benefit once you cancel even if you choose to return.

I'm probably going to keep Serve because I think Amex/Target will probably do away with the CC loads or reduce CC load limits or maybe go to an Amex only load or something. Eventually, they will. May be in 1 month, 6 months, one year, two years but it will happen. My recently acquired US Bank Amex Flexperks will earn 18,000 flexpoints with the online CC loads a year. 20K flexpoints = $400 statement credit. Only reason that I am not dumping Serve.

Meanwhile, I'll continue to use the Redcard in family member's name that I also have in addition to Serve.