The AF just hit on my Ink plus (or maybe it was the bold card). I had both the ink plus and bold. I downgraded one of the cards like two years ago to an ink cash. Since I have a CSR I don't think I need to pay the AF on my other ink card and was just going to downgrade that card to an ink cash as well. Is there any downside to doing this assuming I keep my CSR open to allow me the ability to transfer points to travel partners? I would still keep my 5x categories I believe.