Need advice which one to let go.

Hello guys I need advice po sana because I have 4 cards and I wanted to give up one (but not BPI visa)

BPI Visa - 550,000 CL

BDO Platinum Mastercard - 1,880,000 CL

Unionbank Rewards Mastercard - 980,000

Why I don’t want to give up BPI Visa is because:

• BPI ang payroll ko

• easy to pay bills kasi linked na sa BPI Payroll

• main CC ko

• there are a lot of perks

BDO

• This is actually a spare CC

• Nag offer lang si BDO sakin to upgrade the card because I been a shopmore CC User before pa ako nag BPI Visa

• Until now di ko padin sya nagagamit

UnionBank (Rewards and the basic one)

• My secondary CC

• used for almost all of installments

• pero this time Madamot sila sa pag waive ng Annual Membership Fee (AMF) for the Rewards card.

• I have called twice to request to waive pero they declined.

• I also feel na they are not truthful nung last time na kinausap nila ako na madali lang daw mag pa waive. (But to my case, hindi sya ganun)

Now, I am undecided if idodown grade ko nalang ba yung BDO ko ulit to shopmore since I can’t pay another High AMF and since may spare CC naman ako with Unionbank na NAFL (for Emergency)

Or I let go ko nalang yung Unionbank or BDO?

I usually use my cards for Food, Gadgets, Flight Tickets, and Grab.

Thank you po.