Originally Posted by heraclitus

I gave it a whirl on the gamble that I can get a prorated refund for the second year fees. We'll see what happens...

I only have about two or three cards I'm definitely planning to sign up for in the first half of 2017 (2 Amexes, 1 BMO MC), so I figure I can still accommodate a few churns of marginal cards. I'll probably give the CIBC Aero a go for 15K if I can get a branch to give me the FYF, maybe hit up the MBNA BW/AS again. There's not as much to go for now as compared to 2 years ago, so the hits don't matter to me as much.