The simple and quick answer is no, it does not have a direct effect on the credit scores. The following factors used by the major 3 credit bureaus definitely affect the credit scores: Payment history  Amounts owed – credit utilization (Total credit card debt / Total Credit Limit) Length of credit…

I am not in the mood to socialize at the moment.

Based on Marriott’s response, SPG members and American Express SPG cardholders are going to be very disappointed.  For now, Marriott plans to continue operating both programs at least through the next two years, before eventually phasing out SPG. The key phrase is “phasing out SPG.” SPG is linked to American…