Sally French

So should we move on to listener question time?

I like this question. A lot of people open credit cards because they used to use that brand. So NerdBullet's normal advice would be to downgrade cards instead of canceling them. That's a good recommendation because you'll still retain the credit history. And having a longer account history is one of the major factors in determining your credit scores.

I like this question. A lot of people open credit cards because they used to use that brand. So NerdBullet's normal advice would be to downgrade cards instead of canceling them. That's a good recommendation because you'll still retain the credit history. And having a longer account history is one of the major factors in determining your credit scores.

I like this question. A lot of people open credit cards because they used to use that brand. So NerdBullet's normal advice would be to downgrade cards instead of canceling them. That's a good recommendation because you'll still retain the credit history. And having a longer account history is one of the major factors in determining your credit scores.

So generally speaking, a longer credit history is better for your credit scores.

So generally speaking, a longer credit history is better for your credit scores.

So generally speaking, a longer credit history is better for your credit scores.

to downgrade to a no annual fee card. I always recommend before you cancel any card, just in general, even if you're like, this card has an annual fee and I don't want anything to do with it anymore. If they can't downgrade you, they might offer you some sort of retention offer to get you to stay. And I've done this before where I'm like, I just want to cancel the card.

to downgrade to a no annual fee card. I always recommend before you cancel any card, just in general, even if you're like, this card has an annual fee and I don't want anything to do with it anymore. If they can't downgrade you, they might offer you some sort of retention offer to get you to stay. And I've done this before where I'm like, I just want to cancel the card.

to downgrade to a no annual fee card. I always recommend before you cancel any card, just in general, even if you're like, this card has an annual fee and I don't want anything to do with it anymore. If they can't downgrade you, they might offer you some sort of retention offer to get you to stay. And I've done this before where I'm like, I just want to cancel the card.

And then they're like, well, if you spend $1,000 in two months, we'll credit your account with 10,000 miles.

And then they're like, well, if you spend $1,000 in two months, we'll credit your account with 10,000 miles.

And then they're like, well, if you spend $1,000 in two months, we'll credit your account with 10,000 miles.

Okay, I got the hot takeoff this week. Points should be edible, much like croissants.

Okay, I got the hot takeoff this week. Points should be edible, much like croissants.

Okay, I got the hot takeoff this week. Points should be edible, much like croissants.

And then Amex has this partnership with a company called Resi that gets you fancy dining perks for certain Amex card holders.

And then Amex has this partnership with a company called Resi that gets you fancy dining perks for certain Amex card holders.

And then Amex has this partnership with a company called Resi that gets you fancy dining perks for certain Amex card holders.

And that's on top of a bunch of other dining-related perks on that card. Other ones are a $10 monthly statement credit when you pay with your card at certain restaurants. There's $10 in Uber Cash each month. You can use that on rides, or you could use it on Uber Eats.