because for the past forever, my routine has always been, check email, check social media, check the boards. it's the first three links on my bookmarks. so out of habit i click the boards link as the third icon
Buckle up buttercups, I have a coherent question for people smarter with money than I am. I have a card that charges an annual fee that I want to switch out for another card with the same company. Problem is, they require me to "apply" again for the new card since it's a different type of card. I would then close my old (current) card. I've had my current card for about 5 years now and it's my second oldest card. About how badly would it screw up my credit if I switched to a card without an annual fee and cancelled my 5 year old card?