Stuff to Take with you HeadTorch - Going to be dark and you want to…
If you churn credit cards ( which is the process of making the minimum spend in a short period of time to get the Bonus points or miles ) you will usually be closing your credit card along time before it renews to its second year ( so you can start your next churn! )
If the credit card has a Annual fee , then you actually don’t use it for the full year , your provider might refund pro rata the difference. Some providers just refund the full amount!
How to do it
On closure of the credit card while calling the provider to cancel you can ask
“Is it possible to have the annual fee waived pro-rata?”