Close Some Cards

WYSPECIAL

I've used stoozing at various levels depending on what was on offer for a long time and just kept moving from one deal to another with existing cards as much as possible.

I didn't cancel any or apply for any new cards for years but then a couple of years ago took advantage of some offers that were going and have now ended and been paid off.

As a result I currently have 12 credit cards so probably time for a cull. How do you decide which ones to ditch?

Some go back 30+ years and still come up with 0% offers so it's a long term relationship.

Some have been sold on several times and the original credit card supplier is now long since defunct, e.g. Goldfish and Mint.

Is there a criteria that people use to decide which ones to cancel, e.g. credit limit, minimum repayment, time since last 0% offer worth accepting etc?

Nasqueron

I would close the low limit ones, any that don't give any offers and especially any that meet those 2 criteria but may do as a new customer. Were it not for the YouGov finance points thing I would close the NatWest (sub 3k) and Tesco (decent limit, weak offers) as they offer decent new ones. I generally use my Barclaycard for top-ups as I typically get 2 years at 2.9% for BT or 3.5% for MT.