My Premier hits 1-year in 2 weeks. I currently have the 10000 TYP with 3,000 spend offer. Was planning on using it soon to pre-pay some estimated taxes.
Question: should I call retention NOW before I do the offer, or do the offer first? My concern is if I downgrade/cancel, I would lose access to the points, and I don't have any high-value redemption options anytime soon.
If, for example, I decide to just downgrade to a DoubleCash, what happens to my TY points? I'm fine with a 1-1 redemption (as in cash back) if all else fails.