Originally Posted by
John26
CSR ($25k annual spend): Ask for credit to offset $450 annual fee. No offers available to do that. Rep said we now have 40 days from when fee posted to close / downgrade account to receive full refund. She also said that after that, you can downgrade your card and receive a prorated refund of the annual fee (Citibank did that for me last year with their AA plat card).
I plan to transfer my Ultimate Rewards points to my CFU card and downgrade my CSR to a Flex card. Then, a year from now I'll apply for a Chase Sapphire Preferred card (i usually .
Question: I had the CSR card since the February after they created it (I remember it came out in the Fall), so I think that enough years have passed to be eligible for another Sapphire bonus as long as I don't have both cards at the same time, right?
The rep got some of her info wrong. You do have 40 days to
downgrade for a full refund (and pro-rated after that), however you only have 30 days to
cancel for a full refund.
There's no need to move your points onto your CFU. When you downgrade to Freedom Flex, the points will stay with the Flex.
Finally, to answer your question, it needs to be 48 months since you received your CSR signup bonus, so you're not there yet. Check your old pdf statements online to find out when the statement with your bonus posted.