Keep / Downgrade / Cancel

A Bum's Strategy for Long Term Success

Intro

Caribbean All-Inclusive Paradise

I’m back from one week in paradise, and I’m eager to write all about it. I’ll dedicate an entire post to writing about it in the near future, after I get a few important posts out.

Some of you that have been members for a while now are flush with points and are eager to book your own trips in Q1 2024. Please don’t hesitate to ask any questions in the Slack Group. Remember, every aspect of this game is fun for me… The free trips are just the icing on top!

Keep / Downgrade / Cancel

Following up on the recent Liquidating Your CC Credits/Benefits post, it’s important to consider which cards you are keeping (forever holds), which cards you are downgrading, and which cards you are cancelling.

Remember, the goal is to minimize hefty annual fees and maximize profits.

Below is not financial advice, it’s simply my own personal strategy and thoughts on each of the cards that were introduced in the Q1, Q2, Q3, Q4 plans.

Remember cancelling cards is always a last resort and it’s best to avoid that at all costs.

Keep (Forever Holds)

The below cards are cards that I will be keeping forever, and what I consider to be a “forever hold.” Focusing right now only on cards that were introduced in the quarterly plans.