How do you maintain good credit
How much spend is good to maintain on cards in order to keep issuers happy?
My first priority is meeting minimum spend and the second priority is collecting whatever points/cashback is most valuable. However, this year I will have quite a bit of new cards and feel somewhat obligated to throw some spend at each issuer.
PRG (once I meet rest of new cards min spend this will be getting a lot of my spend to try to go for the $30k annual spend. i will need to decide if i should focus on PRG's 15k MR bonus or on the BA companion ticket at $30k spend)
MB Plat (met min spend, using this card for a lot of my heavier spending due to minimal effect on my utilization)
Delta Gold 6k (met spend, sock drawer)
Delta Plat 5k (waiting for new card, will be getting sock-drawered after i meet $1k spend)
SPG 5k (still working on min spend)
- will collapse the delta
card limits into SPG once my year is up; got them mainly for signup bonuses
Travel Rewards 1.5k (keeping for age of account only)
Alaska Air 5k (no min spend; i don't see myself using this card much, but need to see how much to put on the card to keep BofA happy enough for potential CLIs or future approvals)
- will probably not use the FIdelity card much (but curious how much is enough to just keep it active and maybe get auto-CLIs); this is the card that I want to use later on when i won't be traveling as much so it's a long term keeper, especially without AF.
BA (pending approval. 5k)
- if approved for BA, going to see if I am able to maintain the $30k spend for companion ticket and at year 2 either BA or CSP is getting shut down
Arrival World 5k
- i really like this card so want to keep it. it's my only World MasterCardSource: ficoforums.myfico.com