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Thread: Any advantages to having a no-annual-fee personal Aadvantage card
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Old Dec 10, 2020 | 7:15 am
  #15  
Spanish
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Join Date: Nov 2016
Location: CMH
Programs: BA Gold, AA Plat, NK $9 fare club
Posts: 669
Originally Posted by Centurion
From a credit score point of view it would pay to downgrade the card if you do not use your credit line. Your FICO score has a large weight on account balance versus credit line.
That's what I was thinking. You don't want to close one of your long-standing accounts, either. That's why I don't go for one of the fee cards. If I ever switch from AA, I don't want to cancel a card and hurt my credit. That could really hurt your pocketbook in terms of an interest rate hike on any new loans you take out!
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