Should you cancel your CSR after you used up all the points and before the next annual fee kicks in?

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Who dis^

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No need to take a credit hit. Don't cancel, just downgrade it to one of the no fee Chase cards. I did it to my sapphire preferred when I got the CSR.

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I guess if ur ok with the ding on ur credit score

Whose credit is still so fragile a new card cancel is a ding? It's weighted by account age so a 1 year old card doesn't ding much of anything outside those with no history and those are people who wouldn't get the CSR.

Agree with D1. Credit shouldn't be a big concern if it is cancelled within a year. Just not sure whether it is worth the $450 (or $150 after travel credit) to continue keeping the card while earning points via other cards.

@DD1 some of us don't have any student or car loans so our cards are the only history we have 😭

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