Had a CSR for 5 years; called twice and did not receive an offer. Planning to downgrade but have gotten differing details from each rep in terms of timing and refund. Does anyone know for sure how long we have to downgrade in order to get full AF refund? I've heard 41 days from statement closing date from one rep, and 30 days from AF posting from another rep. I've also heard that prorating is based on a monthly calculation from one rep, and a daily calculation from another rep. I'm trying to decide whether it's worth it to wait for my $300 travel credit to post before downgrading. Thanks.