Originally Posted by
pallhedge
You will only get a pro-rated refund of your annual fee if you downgrade (not cancel) the CSP (again) to one of the Freedom cards late in the year. To be clear, your timeline is as follows: downgrade CSR to CSP now, then once it's been 48 months since your CSR bonus, downgrade the CSP to Freedom, wait at least 4 days, then apply for CSR or CSP.
I understand the timeline, but what I'm not seeing is what I gain doing that vs. simply cancelling the CSR now and then applying for CSP after the 48 months are up. To be clear, I don't need to transfer any UR points to partners between now and then, so the points are fine parked on the Freedom card I already have.
derp. I get it now... I only get a prorated refund if I PC to a lower-tier card; I get nothing for cancelling. I seem to have been living under a rock and didn't realize that's the policy as of a couple years ago. Thanks!
Last edited by der_saeufer; Mar 20, 2020 at 12:55 pm