Originally Posted by N104UA

has it been at least 366 days (maybe 367 since this year was a leap year) since you signed up? Chase will only let you downgrade cards after 1 full year so if it has been 360 days you are out of luck. If the AF hasn't hit, I would wait until it does then call about 25 days after it hits you have either 30 or 45 days after the AF to cancel and get a refund of the fee. (you should be able to see on your credit report the open date or call Chase and they will tell you)