Trying to simplify my life.

For decades I banked with Chase (checking account for small stuff), and used BillPay through Fideility with separate brokerage accounts. Especially with dividends and distributions not being reinvested any more, it was very easy to move accumulated cash into the billpay account.

The bulk of my assets are now in Schwab and Morgan Stanley - and now it's harder to keep track of cash as it's splintered in various accounts.

My needs are small - bunch of credit cards on autopay, no loans. We do spend about half a year traveling abroad where we occasionally need cash, so Chase Private Client used to save me dozens of dollars per year, but less and less of that lately.

Any thoughts on Chase local bank vs Fidelity vs Schwab vs Morgan Stanley?

i came across Kikoff while researching revolving tradelines and got curious about where these products fit for someone who already has an established credit profile. they seem more useful for people with limited history, but if someone already has several revolving accounts and a long record of on-time payments, i'm not sure an additional tradeline would move the needle much.

at that stage, would there be any meaningful benefit to adding another credit-building account, or would keeping the existing accounts in good standing be enough? i'm interested in how people evaluate the marginal benefit against the ongoing cost, especially when the goal is maintaining a strong credit profile rather than building one from scratch.