It isn't wise to wait until your accounts have been turned over to a collector.
Another thing to consider is may can easily make a gift card box to use at wedding reception. I pay the balance with cash or plastic. Aim in lengthy haul can be always to capitalize on all of one's points. https://groups.google.com/g/giftcard-mall-my-gift-info/c/lJb4jNQqwjY