I have a few questions as we're going to lose our Silver Status in Feb for hubby and March for me

1. Can we apply for joint cards so we both have the Silver equivalent card?

2. I am a member of Quidco so would go that route & get the £80 cashback, which would go towards offsetting the fee but how easy is it to cancel after say 3 months?

3. Is the fee charged at the date the card is approved so then has to be paid with the first bill you receive? If so, and you then cancel, does it take long to get a refund of the partial fee, if you see what I mean, eg £112.50 as quoted in the original OP?

4. Is there a date by which one can apply before the offer is no longer available?

Many thanks