What do you all think, if someone like myself already has the Chase UA MC with no annual fee, isn't it likely that since CO doesn't offer any "no annual fee" cards (afaik), when they everntally take my type of UA Chase card over, they'll convert it into an annual fee account -- but possibly also offer some CO miles at the same time if I accept the account conversion? I think there's a difference between just converting the account brand/terms of a credit card and the other possibility of closing down the account entirely but offering you a new one that still requires you to re-apply?