Rationalizing credit cards 1) terminating SPG Amex and 2) upgrading chase Sapphire to CSR. Thoughts? Have SPG Amex 4 years, Marriott Chase - 1 yr, Chase Sapphire 2 yr, BoA -5+ yr, Corp Amex 5+)

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Don’t cancel any cards, just downgrade to fee free card and sock drawer them

smart

Average age of accounts impacts your credit score, you’re much better off keeping them all open

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I'd get a new CSR for the sign up bonus. Then downgrade your current Chase Preferred to a no annual fee one like Chase freedom/unlimited

OP can’t get a CSR bonus, they got their CSP < 48 months ago

Not sure if you can downgrade spg to an avg Amex as it’s a diff “family” within Amex. At least that’s what I was told when i tried - I had to cancel

I downgraded with Citi from the AA play to a generic no fee rewards card. Should be possible. They didn’t care and kept the limits the same.

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