Originally Posted by
VLtone
The CSP also has a nice signup bonus I'd like to get. My CSR new year is on Nov 1.
Originally Posted by
pallhedge
By downgrading your CSR in November, you are forgoing the $300 travel credit which, since you've had the CSR since 2016, becomes available for you again in December. Waiting would only cast you 1-2 months of pro-rated annual fee refund. All else being equal, that's money left on the table.
Also, assuming that the "nice signup bonus" the OP refers to is the 80k offer, OP would miss its November 8 deadline. OP's November 1 anniversary date means the CSR bonus couldn't have posted until the next statement, December 1, at the soonest.