Hit chat up as I have 2 Personal Plats and want to ditch one of them. 40k for $3k spend over 3 months and had to keep the card 12 months. I didn't pay attention to the fee hitting 32 days ago so that would put me on the hook for next year as well. They wouldn't refund the fee with a straight cancel (30 day window) so I downgraded to Green to lessen the blow as they'll prorate the difference down in that case.