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Personal Finance (Not Investing) • What's Your Credit Card Rewards Strategy?

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I seem to have hit a wall with Chase, my last application denied - reasons given:

too many cards with Chase/too much available credit already with them ( I probably have at least 10 cards with Chase, between Business and Personal) and low usage on their cards.
Until last year, I was hitting my Chase card spending heavily, but not so much in the last 4 quarters.
I am under 5/24 and have an excellent credit score (over 800)....
I never close the cards after I meet spend. I sometimes use them, sometimes not - so I guess this is the problem.

Please confirm my best options here - look at which cards I should close? - just start adding spend.?

Anybody have better tricks for getting Chase to open back up for me? Any personal experiences with this to share?
Many thanks

Statistics: Posted by LaurenRose — Wed Jul 31, 2024 3:07 pm — Replies 7293 — Views 1484108



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