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Opening/closing 4 cards in the prior 12 months would be the problem. Credit card companies these days are much tighter in handing out approvals, even though you may meet the income requirements. With AMEX, loyalty seems to be more important (which is probably not unreasonable) so rejections...

I did the same thing recently but just made sure the Explorer card was still active in case of any issues. There's probably no urgency to cancel until just before it is due for the annual renewal.

I called Chubb prior to a recent trip and was advised that both of the following 2 conditions need to be met for points redemption bookings: 1. Verification of a transfer from AMEX MR to the relevant FF program for at least the amount of points covering the redemption, AND 2. Any...