Shuold I close these unused cards? Suggestions needed

[cardio_guycardio_guy is verified member.]

Here are my inactive, unused, useless drawer cards that I want to close before this year ends. All of them are LTF and I got them for some specific uses earlier, but no longer being used actively. I am listing down the reasons why I think I can close them, and otherwise.
Looking for suggestions or opinions on whether I should go ahead and close them.

1. ICICI Amazon Pay - This is my first credit card that I got in December 2022. I used to use it for Amazon 5% cashback, but of late I have not been using this card at all. Most purchases have either shifted to other quick commerce apps or I am using amazon pay vouchers, or other points and miles cards. This is also the highest credit limit card for me 10.3L but I am not using it actively at all.
   
   
2. ICICI Sapphiro - I got it when used to have salary account in ICICI, it is LTF, and shared limit with Amazon Pay (10.3L). I used to use it when lounge access was unconditional. Later they made it spend based. After that the only use was BMS BOGO. Now that is also spend based. So overall this card is also useless for me, I have not used this card more than once in the last 1 year.
   
   
3. Indusind Tiger - I use this card only rarely for BMS 500 off now. I am not a heavy movie goer, maybe as a family we go for 2-3 movies per year, not more than that. Earlier I used to use it for lounge access, but now I have other better lounge cards, so this is not needed for lounge. Another use is Visa Signature TimesPrime offer. I used this card once for getting the TP offer. But I have other Visa Signature cards, so I think this is also not needed.
   
   
4. Federal Celesta - This card also, I got it by luck, and I used to use it for lounge access when it was unconditional. Later they brought spend conditions for lounge access and I stopped using it. I don't use it for any bank specific offer as well. It is lying unused for a long time.
   
   
5. IDFC First Wealth - I got this because it was Visa Infinite variant and I didn't have any visa infinite card. I have not used it at all for any spends. But used it once to avail GHA Discovery hotel Titanium status that came along with Visa infinite variant. But other than that I haven't used any of the card features at all.
   
   
6. BOB Eterna - I just took this card last week, I never had any plans of using it, I just took it because of the LTF offer. I could have taken the Visa Infinite variant, but I took the Rupay Select one. I don't see any usecase for this card, but I am thinking of cancelling it along with the others.

By cutting down 6 cards, I will reduce my exposure to the unused credit leverage and also reduce my unnecessary load.
I am not worried about the short term impact on credit score even if I close them. That's not a major concern for me.
And this could give me space to get some better cards later in the future. I am looking for reasons why I may keep any of these cards at all.
Thanks in advance!

 

[n69b]

Sab rakhlo bhai.. bank offers me kaam aayega

 

[hellowo₹ld]

Closed Federal Celesta today.
Reason: Don't find much bank offers for Federal. Haven't used this card in the last 2 years.

Closing spree: Closed BOB Eterna.
Had to call customer care and place the closure request.
Reason: Took it for FOMO. Not useful for my spends.

So mostly that's it for this year. Closed 2 cards and decided to retain the other 4 cards.

Closed:

• Federal Celesta
• BOB Eterna

Retained:

• Indusind Tiger (for BMS BOGO, lounge, visa signature benefits)
• IDFC First Wealth (for district BOGO, RSA, visa infinite benefits, etc)
• ICICI Apay and Sapphiro (higher credit limit, first card, etc)

🙂 still didnt understand 😔 even after multiple times and even suggested to "unwatch the thread", yet applied and closed without completing single statement. Classic FOMO.. Good that u realized even after LTF somecards, that too even high end maynot suitable for us.

also, as of now .. dont try IDFC, Kotak, RBL, IndusInd too, those are not suitable for your spends.

 

[hellowo₹ld]

Here are my inactive, unused, useless drawer cards that I want to close before this year ends. All of them are LTF and I got them for some specific uses earlier, but no longer being used actively. I am listing down the reasons why I think I can close them, and otherwise.
Looking for suggestions or opinions on whether I should go ahead and close them.

1. ICICI Amazon Pay - This is my first credit card that I got in December 2022. I used to use it for Amazon 5% cashback, but of late I have not been using this card at all. Most purchases have either shifted to other quick commerce apps or I am using amazon pay vouchers, or other points and miles cards. This is also the highest credit limit card for me 10.3L but I am not using it actively at all.
   
   
2. ICICI Sapphiro - I got it when used to have salary account in ICICI, it is LTF, and shared limit with Amazon Pay (10.3L). I used to use it when lounge access was unconditional. Later they made it spend based. After that the only use was BMS BOGO. Now that is also spend based. So overall this card is also useless for me, I have not used this card more than once in the last 1 year.
   
   
3. Indusind Tiger - I use this card only rarely for BMS 500 off now. I am not a heavy movie goer, maybe as a family we go for 2-3 movies per year, not more than that. Earlier I used to use it for lounge access, but now I have other better lounge cards, so this is not needed for lounge. Another use is Visa Signature TimesPrime offer. I used this card once for getting the TP offer. But I have other Visa Signature cards, so I think this is also not needed.
   
   
4. Federal Celesta - This card also, I got it by luck, and I used to use it for lounge access when it was unconditional. Later they brought spend conditions for lounge access and I stopped using it. I don't use it for any bank specific offer as well. It is lying unused for a long time.
   
   
5. IDFC First Wealth - I got this because it was Visa Infinite variant and I didn't have any visa infinite card. I have not used it at all for any spends. But used it once to avail GHA Discovery hotel Titanium status that came along with Visa infinite variant. But other than that I haven't used any of the card features at all.
   
   
6. BOB Eterna - I just took this card last week, I never had any plans of using it, I just took it because of the LTF offer. I could have taken the Visa Infinite variant, but I took the Rupay Select one. I don't see any usecase for this card, but I am thinking of cancelling it along with the others.

By cutting down 6 cards, I will reduce my exposure to the unused credit leverage and also reduce my unnecessary load.
I am not worried about the short term impact on credit score even if I close them. That's not a major concern for me.
And this could give me space to get some better cards later in the future. I am looking for reasons why I may keep any of these cards at all.
Thanks in advance!

I closed Apay first after 6 years association, then wealth (has high CL), then Eterna (no use in 2 years), then Celesta (no spends in 18 months).

 

[hellowo₹ld]

I closed Apay first after 6 years association, then wealth (has high CL), then Eterna (no use in 2 years), then Celesta (no spends in 18 months).

next big thing for me.. close bank account then that linked credit card even no use for 0 MAB..

 

[hellowo₹ld]

if age gap between oldest 2 cards less than 2 years, no need to worry.. safely close it.

 

[cardio_guycardio_guy is verified member.]

next big thing for me.. close bank account then that linked credit card even no use for 0 MAB..

Yes, it's good to get it done. In the last week, I closed 4 cards and 1 bank account. It's a big relief.

 

[akiratoriyama]

I wish I had such conviction to close my unused credit cards. Although I dont use Amazon pay credit card but I have developed an emotional attachment to that card. Was my first proper cashback credit card. Holding on to it just for that emotional value😅

Same with me. First ever credit card in my case.