Originally Posted by
nexusCFX
I'm probably going to downgrade my CSR to the CF or just close it outright after the next AF. I know the AF gets refunded if you close within 30 days. Do they subtract any usage of the travel credit from that refund, or could it somehow be considered 'gaming' to try to get the credit and pay no AF? I would rather stop spending on the card for a month than get shut down or something.
It's pretty common for cardholders to use up the newly reset travel credit prior to canceling/downgrading. I've never seen a single data point of any repercussion.