I checked with my banker about a down grade to the no AF Visa Signature - mostly because I have some travel for next year already booked on the Crystal - and he said the back office is not allowing downgrades. I'm an actual real customer too using their banking products. They really are firing legit customers along with the churners. I guess I'll clear out the points, book one last hurrah with VADB, and then cancel - taking my chances that the prepaid travel will be ok. It does suck to lose the travel protection on those trips though, since I'm pretty sure you have to be a current card holder to submit a trip delay claim.