Originally Posted by
diesteldorf
One complaint....I asked if I could downgrade the fee card to the fee-free card and was told I would need to close the account and submit a new application.....I typically don't spend much on the card, especially since I am locked into Select status for 2023, but it is a 7 year old account, so I would rather not close it entirely.
FNBO must be losing customers with their higher Preferred MC annual fee. I also asked for a product change and ended up closing the account altogether. I don't think 12k points for a standard MC is worth a hard pull. At least BofA validated the three Amtrak coupons before the changeover.