Hi Kirsten, that is an interesting question! I’ve thought about it and I think the only way to account for this is to insert a new column after the “Opened” column (call it date upgraded) and change the formulas in the Next fee date column to point to the new column instead of the opened column. Let me know if that works for you! Help for Low Credit Scores +More All Help for Low Credit Scores Best Credit Cards for Bad Credit Best Personal Loans for Bad Credit Best Debt Consolidation Loans for Bad Credit Personal Loans if You Don't Have Credit Best Credit Cards for Building Credit Personal Loans for 580 Credit Score Lower Personal Loans for 670 Credit Score or Lower Best Mortgages for Bad Credit Best Hardship Loans How to Boost Your Credit Score Since you'll be using AwardWallet to consolidate information from various rewards programs, you'll need to use the platform to log into and connect your loyalty accounts — meaning you'll have to provide your log-in details for every program for AwardWallet to store. AwardWallet keeps your data secure by using industry-standard encryption technologies and offers users the option of two-factor authentication on their account. Hi Paul, I’ll admit I’m not an expert with the rating agencies but I so know that the scores you get from credit karma and Whay you’d get from a credit card provider are the same. For example, credit karma has your transunionn and equifax score. Chase largely uses transunion when they pill your credit score for decision making so they will have a service that tells you your transunion score. All the same stuff. They scores should be very close in number. A first of its kind credit card in the Indian sub-continent that comes with a pure 22K Gold inlay and absolutely no preset spending limit. Key Features and Benefits

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Hi There! Brand new here…and about to start Chase. I have numerous old accounts I never use. when should I close those out so as not to confuse myself! Also, want to refinance in a few months. Do you think this will pose any issues?Another way to plan how to pay off your debts is through the use of the debt snowball method. For this, you need a credit card payoff spreadsheet along with a debt snowball calculator. Offers real-time dashboards so you can stay updated on all financial transactions related to your business I gladly pay the annual fee on our Ink Business Preferred® Credit Card each year as well. The rest of my cards have no annual fee — or, if the benefits don't outweigh the annual fee, I cancel them once the annual fee comes due. Use the right card at the right time

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I was just working on something like this for myself but really like the one you have! For the Chase 5/24 piece of this spreadsheet, are you factoring in cards you’ve closed as well as the ones you currently hav eopened?

My final tip is the one that leaves me with a merry-go-round of credit cards in my wallet. Make sure you're taking advantage of credit card sign-up and welcome bonuses at least a few times per year! Hi, I’m new to this and I have a question. I had my eye on getting a Chase Ink card and then get a Chase Saphire Reserve. Great signup bonuses! It seems like those cards would be best to cancel right after using the reward though since I have to wait so long to re-sign up in the future and earn those bonuses again. I see on your spreadsheet that you keep the Saphire Reserve open past the first year even with the large annual fee. Can you explain why you don’t cancel it and sign up again? Side note, they just made the wait time even longer between signups so this will take even longer :/ Thanks for the spreadsheet! Great work. One question: My sheet says I have 4 inquiries for Chase 5/24, but I’ve only applied for 2 credit cards in the last year and all my other fields are empty. And when I clear out all the cells, it still has a 2 listed even when I have no data in the worksheet. Just curious. Thanks! AwardWallet and MaxRewards are useful tools that gather information from various credit cards and rewards programs into one interface.