I would caution against downgrading. Obviously no one wants to throw money down the drain but you never know when you'll need it again. And you might not be able to get one depending on the bank. I've had UA cards for years and also earned silver status. Eventually I cut up my UA cards (partially in protest) when they went revenue based in 2020. Of course, now I'm statusless and cardless so I get worse award inventory. And it's impossible to open a new UA card due to 5/24. In retrospect, I should have paid the AF for a few years in anticipation of my status running out in 2023. As you may know, BC also has strict underwriting criteria.