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jiajing wang

04 Jul 2019

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I have a Citi bank rewards card and a cash back card.. I want to cancel one of them because i applied for the UOB One card.Which one should i cancel?

I dont drive and occasionally dine in restaurants. I am not a big shopper too

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Brian Lee

03 Jul 2019

Actually it won't make much difference if you cancel 1 card or not (unless you getting loan for a house but not big impact also). Credit limit will still be the same.

Maybe the consideration is to cancel both cards from Citi or should just keep the cards?

If so when cancel both cards:

after 6 or 12mths, think can enjoy new sign up gifts
no need to worry about calling them to waive your annual fees

If keeping both cards:

whenever got special promo (e.g Starbucks) can take out and use for specific occasion
credit limit (if a concern) stays throughout even after not working

My 2 cents and assumption..

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Any savings account that allows you to earn bonus interest and air miles on credit card spend at the same time (currently using the UOB One card which is a cash back card)?

I'm new to cards - if I sign up for multiple cards (eg. Citi PremiereMiles for Hotels, UOB Lady's Card for Tickets, etc), can I collate the miles from the different banks into one kris flyer account?

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