Originally Posted by
SP03
No need to make any decisions now. You have plenty of time to decide. Assuming nothing changes, you can wait to downgrade in December
From what I understand any product changes made from tomorrow going forward will cause you to lose grandfathered status of the 1.25 or 1.5 cpp value. For example if you have CSR today then all the points on the card plus whatever your transfer to it until 10/25/25 will retain 1.5 cpp through October 2027. Same for CSP except points value is 1.25 cpp. However, if you product change your card next week or in December (any time from 6/23 forward) then your points will not retain the 1.5 or 1.25 value anymore. Therefore, the OP will need to keep their card as a CSR in order to retain the 1.5 value, otherwise if they change to CSP that will drop to 1 cpp (with possibility of "Points boost" which remains to be seen of what value that will be).