Originally Posted by
pallhedge
That's the data point I was looking for, thanks. Knowing this combined with the assumption that the W->WE loophole is closed, I personally wouldn't risk a new app within 18 months of downgrading to DC.
So I suggest you not downgrade. Decide whether $95 (if you really can't get any retention offer after multiple
correct attempts) is or isn't worth being able to apply for another card of the same type 1 year earlier (than if you cancel or convert it) before you take any action.