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Credit Cards Timing about canceling one card and applying for another

Discussion in 'questions. answers. conversations.' started by GBOAC, Jan 8, 2021.

  1. GBOAC

    GBOAC Member

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    After Virgin Atlantic's appalling point devaluation, I am planning to drop my VA card that is about to have its annual fee applied. I'm also considering applying for a Citibank double cash card.
    Is there a preferred order: apply then cancel or cancel first then apply.
     
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  2. Clem

    Clem Active Member

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    I don't think it matters too much; my thought process would be to apply first, because dropping the card will reduce your credit line, and your credit score might lose a few points temporarily; so in theory your credit score should be better before dropping the card. But either way you're probably completely fine.
     
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    MidSouth Skier likes this.