I have 5 credit cards. I signed up for new during the pandemic to take advantage of massive signup bonuses and may have a few free vacations in the near future as a result.

Amex Gold is currently offering a 60k point bonus. Worth signing up? Should I cancel one of the cards I used just for the bonus? I feel like the only cards I use now are my Chase Sapphire and Hilton Amex.

Will canceling my oldest card destroy my credit history? I had it for 6mo before signing up for a new card. 2yrs of hist

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Don’t cancel the oldest card, downgrade it to one that doesn’t have a fee. If it doesn’t have a fee already, then just keep it and get another. You’re better off having a lot of cards with no holdover balance than having only one.

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OP, you can also call and ask for retention offers

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I am assuming you are not in line to take any mortgage or loan in near future.
Please keep a watch on your credit score, sometimes the dent on credit score is more than the benefit you get by opening or closing an account

I just applied to a ton of mortgages and also do credit card churning. As long as you’re over a 760 you’ll get the best rates.

Biggest thing when you’re super young is length of credit history. It could help if you could get on your parents or older friend’s old credit card as an authorized user to inherit the credit history lol.

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Need advice from the forum as I am confused between the two offers. Thank you in advance.

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Hi Fishes,

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Hi Fishes,

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Also all the questions that were asked to me were written coding questions(Write block of code) none were verbal.I could write all answers but none was 100% correct.

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Additional Posts in All things points

SYW is either dead or caps out at $80

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Have some big trips planned for next year so I would like to upgrade my Delta gold AMEX to Platinum (need that MQD waiver 💸). I heard that if I upgrade I won’t get the 50k sign-up bonus miles, so should I just close my gold card (not my oldest card) and open a new Platinum one?

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Sears may go officially bankrupt tonight. Time to liquidate those SYW points !

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Surely I’d be a fool to pass on such a lucrative pre-approval, right?

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Anyone have a special platinum Marriott support number or contact person to resolve a lingering issue?

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Flight attendant woke me up while I was sleeping to give me ice cream, then I couldn’t go back to sleep.
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TIA

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Pretty sure the answer is self explanatory but first year with real status. Does Marriott status reset Jan 1? For instance if I need 10 nights for Platnium am I SOL if I stay 9 nights by Dec 31?

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Might have to leave the “all things points” bowl soon if these creepy ant/roach/bug posts continue. Making me so paranoid to stay in a hotel now smh

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