I have an old Ink Business Plus card that the $95 annual fee hit 12/1. I recently opened an Ink Preferred and have a CSR as well so I didn't see a use for this card anymore as I'm not into buying gift cards at office supply stores at 5x.

I kept forgetting to call and finally got around to it today. I did not want to close in order to retain the credit line so I asked for a retention offer or to product change to the Unlimited. I was told I need to be transferred to discuss retention but was transferred to the wrong department after having already been on the phone for over 15 minutes. Was supposedly transferred to the correct department but I wouldn't know since after 5 minutes of what felt like endless holding I just hung up.

Called back again and after being on hold for over 10 minutes finally got a rep and just went straight to asking just for product change to Unlimited which was completed. I was told that I'd be getting a pro-rated refunded of the AF and not a full refund which I was disappointed with but too bad on me for procrastinating.