Citi Premier - First AF posted 18 days ago, called in today, no retention offers . Only options I was given is to PC the card to Citi Diamond, Dividend, Double Cash, or ATT Access.

But I think PC is not an option for me since it resets the clock for me to get another TYP card... and I am hoping to get the Citi Prestige end of next year.

What do people do in this situation? just bite the bullet and pay $95 AF?

Separately, I always wonder, whenever the 0% APR offer is activated (not by me, but sometimes the CSR is very enthusiastic in doing that), does that "delay" the timeline of you getting retention offer? or are those mutually exclusive?