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August 01, 2011


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I have Chase Freedom (for about 6 years so no bonus now) and Citi Dividend MC. These are the only 2 I have and I pay them off monthly. I am now waiting to call and let them know I want my cash. I usually wait until I have $100 or more on each.

I will not get any others, no matter the return. I am 74 years old, debt free and do not intend to go into anymore debt. Therefore, I put a hold on all my credit. It cannot be given out. If I want to get another card I would have to pay $10-15 to reinstate my credit for one company. Waste of time for me. The return I get now comes to about $3-400 a year and gives me a nice amount of cash to blow on something I really want.

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