Originally Posted by HeyCrutch

Coming up on my second AF for the CSP. Not using the card much at all - the only real value I get from it is being able to transfer UR points to partners (I have Ink and Freedom cards that I use when appropriate).

I'm well over 5/24 right now, but have been on a new card halt for six months and will continue for another six months, as I'll be in the market for a mortgage next summer, at which point I'll finally be back under 5/24.

If I want to get the CSReserve down the road, should I close my Preferred now? I've read you can't have both anymore (or at least that's the official policy).

I don't mind accruing UR points that I can't use until I get the Reserve card down the road.

Just trying to figure out what the best strategy is - close the Preferred now if there's some kind of time requirement before I can open the Reserve, or keep it. FTR It's now been almost 2 years since I received the bonus.

TIA