Marriott Bonvoy Brilliant card (converted from SPG Amex).

Chatted online and asked for AF reduction/waiver. CSR started talking up the benefits and finally offered 20k Marriott points when I mentioned I was considering cancelling. Not expecting to be able to use the card’s benefits this year (actually didn’t get much use last year either due to the pandemic) so declined.

Most likely, I’ll cancel so I can consolidate spend on other cards. A shame as I really do like the card benefits but not if I can’t use them. I did consider downgrading but don’t really know if there’s much value in doing that vs applying for a new card in 2022 when likely to have some travel again.