Do you have any exams coming up?
perversius
When I did this, I learned I would give up about $100 in rewards over the course of a year. That's a single percent on $10,000 of spending (instead of 2 percent on purchases in a particular category, I was getting 1 percent). One hundred dollars is not a small amount of money, but I was willing to give up $100 to go from using four cards to just two.