Do you have to wait until your annual fee posts, or can you call after the 1 year mark? Also, what happens if you use the benefits on the card then cancel? Do they take them back? SW Priority card just got the 7,500 bonus points in the SW account yesterday which I used towards a flight not thinking that I was going to cancel, but still have not used the $75 credit that you get. I likely won't use the $75 credit as I don't want to get in trouble, but I've heard once the points post, its yours no matter what.