I've been force-fed by the NCL advertisers and as a result got their credit card. I don't intend to use it, so what should I do with it?

Answered on January 11, 2017
Updated on January 11, 2017
The content is accurate at the time of publication and is subject to change.
Amy Miller Amy Miller
There's no need to close it now as it may hurt your credit score and you may as well utilize your sign-up bonus since you have that opportunity. Make a purchase within the first 60 days and then just pick it up once a year to keep your account active. For your purchases, it's better to acquire a regular rewards credit card, if you don't have one yet. It's more universal and the points are redeemable for everything you want, not just cruises.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

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If you have an excellent credit there are a lot of credit cards that will bring you more benefits than JCPenney rewards credit card. If you want to save on shopping with a credit card at your favorite stores, you may choose a regular credit card with cash back rewards.
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