2.<\/strong>\u00a0Check for any credit cards that have had annual fees post and call the issuer for a retention offer. I suggest saying something like: \u201cI\u2019m thinking of closing this card given its high annual fee, but before I decide what to do I was wondering if there are any retention offers or spend bonuses.\u201d Caveat: If you take a retention offer from American Express, plan on keeping that card for 12-13 months. Good retention offers are well worth it.<\/p>\n 3.<\/strong> If you have an American Express co-branded personal card (Marriott, Delta, Hilton),\u00a0make sure you\u2019ve attached the dining offer to your card<\/a>\u00a0and spend it. The easiest way to do this from home seems to be to buy an exact value DoorDash gift card on\u00a0Fluz<\/a>, which will should code correctly as grocery. Amazon Meals is another decent option. As always, find a Fluz referral from a friend to make their day if you don\u2019t have an account already.<\/p>\n 4.<\/strong> Spend any American Express co-branded business card wireless credits. I prepay my cell phone bill with this one and all of the credits over last year and this year mean that my bill will be $0 after the credits are applied for a long, long time.<\/p>\n 5.<\/strong> Make sure you\u2019ve spent any $10 American Express Personal Gold dining credits. The easiest way IMO is to buy something for pickup for $10ish at a local coffee shop on GrubHub, but a combo meal at a ShakeShack is a good option for many of you.<\/p>\n 6.<\/strong> Cancel any cell phone burner accounts that you\u2019re done with (and that you didn\u2019t use a virtual account number that expires on).<\/p>\n
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