I have Check Ink Plus card. Call in for statement credit, but this is not one of the option in my account. Is there still any benefit to hold this card if downgrade?

The customer service rep said that I can call back to cancel the card within 180 days and they will still refund the AF. Is that true for the card as I know personal credit card usually has only 60 or 90 days to cancel with refund of AF?

Should I keep calling back until I can get statement credit if I don't want to downgrade? Or, there is no chance to get it since the rep said that this is not available offer in my account?

Thanks!