MODS: Please remove this post - Did not have the desired effect. Thanks.
When do you cancel your credit cards and what impact does this have on your credit score ?
Do you:
a) Cancel within 6 months after Bonus Points have been credited ?
b) Cancel just prior to 12 months to avoid the annual fee ?
c) Hold as long as the Annual fee continues to be waived ?
A credit card enquiry sits on your credit file for 5 years. With CCR data being rolled out, all your credit card limits will be visible.