Originally Posted by
sdsearch
You still haven't told us enough about yourself. What's very important: What exact cards have you applied for in the past 24 months (whether they're still open or now closed), and how long ago for each one?
In case you're not aware, many banks are now implementing various "anti-churning" rules (which can affect "card collectors" as you say you are, not just true "churners"), and so based on the answers you may or may not be locked out of certain banks and/or may need to wait rather than jumping in now.
Most recent cards were:
Hyatt Visa in June 2020
Amex Platinum in October 2019
Marriott Boundless in February 2019
Everything else in my wallet is 4+ years old.
How would anti-churning policies effect card collectors? I mean if I'm not opening/closing cards every year. I wouldn't think there would be any negative consequences for holding them would there?
The only card I may downgrade is my CSR to the CSP due to Covid. I simply cannot justify having an Amex Platinum (which has MUCH better perks) as well as a CSR, there's just too much overlap between the two. With the increase in fees to $550, it's just not worth it to me when the CSP provides 90% of what the CSR does for $95 versus $250.