I’ve had my Amex SmartEarn since 2020, but I’m not using it anymore and haven’t seen any spend-based or targeted offers recently. I also have the MRCC card. Should I consider closing the SmartEarn card or request to make it LTF? Any advice?
@Ankit They are unlikely to make the Amex SmartEarn LTF, but you can request closure if needed. Before closing it, consider transferring its limit to your MRCC card for future use. Be aware that this transfer will affect your CIBIL score. High credit limits relative to your credit usage could impact your CIBIL score, so proceed with caution.