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Old Jan 17, 2015 | 5:16 pm
  #6  
TMM1982
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Join Date: Dec 2014
Posts: 8,460
Originally Posted by tjguitar85
I always product change before the annual fee charges. I don't know why you'd wait til after.
You'd wait till after in the case when a card offers an annual bonus, like the CSP. In that case, you want to get and transfer the points and then call to cancel the card and get the AF refunded.
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