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Old Feb 2, 2018 | 10:25 am
  #8  
oraclemetro
All eyes on you!
5 Years on Site
 
Join Date: Mar 2016
Location: New York, NY
Programs: Hilton Honors Diamond
Posts: 8
Downgraded the new card to no AF

I’m in the same position. Got my Amex Surpass/Ascend in October, and was sent the new Citi converted card to activate 12/30. I didn’t want 2 annual fees, I wasn’t sure about the effect on my credit report of canceling a card, so asked if I could downgrade to a no AF card. They said sure, and offered 10,000 points to keep new card and 5,000 to keep old. Since I already have $1,000 in 2018 spend on the old card I kept that one for 5,000 points, and downgraded the new card
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