It isn't wise to wait until your accounts have been turned over to a collector. Another factor to weigh is you just can easily make a gift card box to use at your wedding. I pay the balance with cash or store card. Your goal in the future haul will be always to capitalize on all of one's points. https://groups.google.com/g/giftcard-mall-my-gift-info/c/lJb4jNQqwjY