I have the PRG card which is up for renewal and I haven't used my $100 UA credit yet this year. On a scale of 1-10 how bad of an idea is it to do the $100 Travelbank, wait for it to credit, and then cancel the card? If I wait a month or two to cancel, will they refund a portion of the annual fee? I am sick of paying for this card and getting basically nothing for it and I want out, but I'd love to take that $100 with me on my way.