Originally Posted by
STS-134
That makes sense if you're not going to be flying UA regularly...
Oh, I'll still be flying UA most of the time, but I will be using the CSR so that I don't accumulate too many UA points but, instead will have a fungible travel currency.
Originally Posted by
STS-134
Why the heck would you do that? There's no reason to reduce the CL on any existing card unless the bank requires it to apply for a new card. Available, but unused, credit does not hurt you at all. You never know if a roofing company for example would allow you to charge a new roof and doesn't offer cash discounts so...why not?
Simply because we don't need it because I pay off my cards every month.
Funny that you mention a new roof because I actually need one, but the best company in my area doesn't take credit cards without charging a "convenience fee" of 3%. In addition, I just had one of my AC units replaced and it was the same story with them. Cash is still King in many transactions.