How many credit cards is too many? Are premium travel cards actually worth those eye-popping annual fees? And what should you do when a card in your wallet stops pulling its weight?

This week, Jean Chatzky is joined once again by money expert Vivian Tu for a listener mailbag all about credit cards, points, and smart strategies for getting real value, without paying unnecessary fees or interest.

Together, they break down:

• How to decide if high-end travel cards like Amex Platinum or Chase Sapphire Reserve are actually worth the cost
• The smartest way to evaluate card perks — from lounge access to travel protections — in real dollar terms
• When it makes sense to downgrade a credit card
• How to use points efficiently without spending hours comparison shopping
• What to say if you call your credit card company to ask for a lower interest rate
• How to switch cards while protecting your credit score and account history

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