Originally Posted by
Keflyer
Have my AA plat card for 2 years and wondering if I should keep the card with $95 AF. Tried to relocate some credit to my double cash citi card and was told a hard inquiry will need to be done. I don't remember that being the case. Anyone had such experience?
Have you already tried for a retention bonus? That's the other way to possibly avoid paying the $95 (net):
(in addition to
wyogold's suggestion above).