So, I have a couple of questions about the SPG card in light of the fact that we'll only get $10 on SBS this year. I'm not cc savvy, only to the extent that I signed up for cards for the bonuses but don't take much advantage of them.
My husband and I each have SPG cards (to get the sign up bonus). I hardly ever use the card. I usually use the chase freedom and chase sapphire (although I don't know how good either of these are w/r/t SPG). I actually just paid the annual fee this past month but was thinking it may be worth it due to SBS. But to pay $65 for a $10 credit is NOT worth it at all. So:
1) Does it pay to cancel?
2) Has anyone cancelled their SPG (to open again in the future) and successfully moved a portion of their credit line to another card? Which card is recommended (I'm assuming it will be a fee-free Amex)
3) After I cancel, can my husband add myself and our baby as AUs to HIS card? That way we'll have 3 credits. I can't think of any other way to play this.
4) AUs must share the same address, correct? Will I be harming my baby's credit by adding his as an AU?
TIA!