Seeing a lot of mixed info as well on the annual fee. I know if you downgrade the card, you're not going to get the annual fee back or reduced.

What if you outright cancel? So the annual fee hits the card, and then I cancel within 30 days. I'm seeing a lot of information saying that even if you cancel within 30 days of the fee, it will not be refunded as soon as they charge it to the account.