Newbee ready for a churn need help
Jul 23, 2014 | 8:55 pm
#1
Original Poster
Join Date: Jan 2011
Posts: 45
Newbee ready for a churn need help
I could use some help - I'm new to this party and I don't want to make silly mistakes.
Some of my cards are coming up for renewal
Which ones are recommended to keep (pay for another year)
and which ones should I close out and re-apply for a new one?
Here is what I have (all have met their spending limits):
* MC AAdvantage
* V Club Carlson
* Ax SPG
* V Ink
* V Marriott rewards
* V Mileage plus explorer
Some of my cards are coming up for renewal
Which ones are recommended to keep (pay for another year)
and which ones should I close out and re-apply for a new one?
Here is what I have (all have met their spending limits):
* MC AAdvantage
* V Club Carlson
* Ax SPG
* V Ink
* V Marriott rewards
* V Mileage plus explorer
Jul 23, 2014 | 9:21 pm
#4
Suspended
Join Date: Jan 2013
Programs: AA, HH, UA, Marriott, SW, Club Carlson, IHG
Posts: 202
If it were me,
I would keep the Club Carlson. The annual 40k bonus points and 2nd night free make it worth the fee.
I would call Citi and ask them to waive the annual fee. They often effectively do and maybe give some bonus challenge (e.g. double miles if spend $1000/mo.)
I'd dump the rest and save the fees.
I would keep the Club Carlson. The annual 40k bonus points and 2nd night free make it worth the fee.
I would call Citi and ask them to waive the annual fee. They often effectively do and maybe give some bonus challenge (e.g. double miles if spend $1000/mo.)
I'd dump the rest and save the fees.
Jul 23, 2014 | 9:42 pm
#5
Join Date: Feb 2009
Posts: 7,104
If it were me,
I would keep the Club Carlson. The annual 40k bonus points and 2nd night free make it worth the fee.
I would call Citi and ask them to waive the annual fee. They often effectively do and maybe give some bonus challenge (e.g. double miles if spend $1000/mo.)
I'd dump the rest and save the fees.
I would keep the Club Carlson. The annual 40k bonus points and 2nd night free make it worth the fee.
I would call Citi and ask them to waive the annual fee. They often effectively do and maybe give some bonus challenge (e.g. double miles if spend $1000/mo.)
I'd dump the rest and save the fees.
If it was me I would dump them all and start fresh.
Grab a US air card a Hilton no fee Amex, Hilton 60K visa , IHG 80K, Delta Amex, Barclay Arrival, see if you can find the SW 50K cards and go for CP in 2015 and 2016. While you are doing all this you are also letting the required time pass to get another MArriott and United card as well as AA
Last edited by flyer4512; Jul 23, 2014 at 9:52 pm
Jul 23, 2014 | 10:08 pm
#6
Join Date: Dec 2003
Location: Brooklyn, NY, United States
Programs: AA, BA, UA, Spirit, Delta, PC Plat, SPG Gold, HHonors Diamond, Club Carlson Gold, Marriott Gold
Posts: 1,735
I would keep CC and apply for a biz one too.
If you don't care for free bags I would dump Citi AA and be ready to dump Chase United and Marriott (but not before you apply for another Chase card (s)). Dump SPG too, while you're at it and apply for SPG Biz. Do not dump Ink unless you've transferred all your points to an airline or hotel, or you will lose them.
If you don't care for free bags I would dump Citi AA and be ready to dump Chase United and Marriott (but not before you apply for another Chase card (s)). Dump SPG too, while you're at it and apply for SPG Biz. Do not dump Ink unless you've transferred all your points to an airline or hotel, or you will lose them.
Jul 24, 2014 | 8:32 am
#8
Join Date: Jul 2013
Location: DFW,OVB (Russia)
Programs: AA HH Gold SPG Gold BA
Posts: 1,823
I suggest you read this thread
Anybody that's new to miles and points , flyertalk or MS should read this thread.http://www.flyertalk.com/forum/credi...-decision.html
It contains useful information and tips by me and others on real world examples of what to expect when starting out
It contains useful information and tips by me and others on real world examples of what to expect when starting out
Jul 24, 2014 | 10:38 am
#9
Original Poster
Join Date: Jan 2011
Posts: 45
thank you all for your help.
How long do I / should I wait to re-apply after closing a card?
For example the marriott.
Club carelson was a recent acquire, this one is one that isn't up for renewal just yet. Promo was 85K points
My credit score is in the high 700's.
How long do I / should I wait to re-apply after closing a card?
For example the marriott.
Club carelson was a recent acquire, this one is one that isn't up for renewal just yet. Promo was 85K points
My credit score is in the high 700's.
Jul 24, 2014 | 10:59 am
#10
Join Date: Jul 2013
Location: DFW,OVB (Russia)
Programs: AA HH Gold SPG Gold BA
Posts: 1,823
different issuers have different official vs unofficial policies on this your best bet is to keep reading the relevant threads here for the latest info and developments
Jul 26, 2014 | 11:25 am
#11
Join Date: Dec 2003
Location: Brooklyn, NY, United States
Programs: AA, BA, UA, Spirit, Delta, PC Plat, SPG Gold, HHonors Diamond, Club Carlson Gold, Marriott Gold
Posts: 1,735
The rule of thumb (very unscientific) for Chase cards is 2 years. Although, there are plenty of folks who manage to churn faster.