I'm torn between keeping open the Amex Gold, which is my first credit card, or closing it and going with the CSP. The annual fee of $250, and probably increasing, does make me rethink it. Along with the CFU/ CSP duo I think it could work pretty well and I could keep with the hybrid cash back and some points. I plan on closing the VX in December because of many many issues with capital one in general along with not traveling enough. I am open to other recommendations as well. I do have way more general everyday spend than what is listed below.
CREDIT PROFILE:
- Chase Freedom Unlimited $6500 limit, 09/23
- C1 VX $20,000 limit, 12/23
- Amex Blue Cash Preferred $15000 limit, 08/22
- Amex Gold 11/21
- FICO Scores with source : Experian 721
- Oldest credit card account age with you as primary name on the account: 2 years 5 months
- Annual income $: $60000
- Inquiries: 0/6, 4/12
- * Number of personal credit cards approved for in the past 6 months: 0
- * Number of personal credit cards approved for in the past 12 months: 2
- * Number of personal credit cards approved for in the past 24 months: 2
CATEGORIES
- * OK with category-specific cards?: No
- * OK with rotating category cards?: No
- * Estimate average monthly spend in the categories below. Only include what you can pay by credit card.
- * Dining $: 300
- * Groceries $: 150
- * Gas $: 200 plus
- * Travel $: Tolls ($100) some hotel getaway's and maybe 1 flight a year.
- * Do you plan on using this card abroad for a significant length of time (study abroad, digital nomad, expat, extended travel)?: No
- * Any other categories (examples: phone/internet, insurance) or stores (example: Amazon) with significant, regular credit card spend (the more you specify, the better): $ storage unit that codes as travel ( on amex at least)
by u/Scm9999
in r/CreditCards
