Im in a bit of conundrum,
I was going to keep both my cards, as travel credit offsets it and statement credits make up for some profit, However Ive Found that travel credit hotels are always about 10-30% more, but now im thinking of cancelling both and starting the exclusion period
reasons-
- ive prepaid heaps of eftpos, prepaid mastercard and wish cards to last me a year
- my points balance is currently negative 15,000 (long story, had a few fradulent transactions that were reversed, but for some reason, the points worked in my favour)
so 1. probably wont need to use the card due to having prepaid cards 2. any points i earn are just offsetting the negative
anyway, due to personal circumstance, im currently working part time,, when I originally got these amex cards, the application did say househould income, however in 18 months if I reapply, I may still be part time, and would need to go down the household income route, and only if they dont ask for payslips like this time, so tldr , am a bit worried in case I cant get my amexs back,
I should still be able to get my annual fee back as I havent used travel creidt it
really, doing my head in of should I keep or should i ditch