Niall-1980
Registered User
- Messages
- 40
Hi all new to posting but not new to the boards.
I find myself in a rather good position but not sure what to do about it.
I recently have changed over my current a/c and savings accounts from Bank of Ireland to PTSB and I am thinking of applying for a PTSB credit card to align everything under the one bank and make life easier.
My question to you guys is: I currently have two clear credit cards one with BoI with a €5,000 limit and one with Avant with a €6,000 limit; €11,000 worth of credit all together. Nice some people would think but the thing is I don't think I will ever use that sort of credit so I'm thinking of cancelling them instead of paying €60 duty on them every year and just going back to one card with PTSB.
Do you think I am mad to be closing the door on €11,000 worth of credit that I would never probably be offered again or right if I don't need it and better to save the €30 a year?
Opinions please
I find myself in a rather good position but not sure what to do about it.
I recently have changed over my current a/c and savings accounts from Bank of Ireland to PTSB and I am thinking of applying for a PTSB credit card to align everything under the one bank and make life easier.
My question to you guys is: I currently have two clear credit cards one with BoI with a €5,000 limit and one with Avant with a €6,000 limit; €11,000 worth of credit all together. Nice some people would think but the thing is I don't think I will ever use that sort of credit so I'm thinking of cancelling them instead of paying €60 duty on them every year and just going back to one card with PTSB.
Do you think I am mad to be closing the door on €11,000 worth of credit that I would never probably be offered again or right if I don't need it and better to save the €30 a year?
Opinions please