what do you do at the end of the year?

option A: close the account before the annual fee is due?

option B: convert the account to a fee free AA bronze account 1 mile per $2 USD spent?

what are the pros & cons of each option?

in the last 6 months i pulled 3 churns, 2 AA MC & 1 Business MC,

all cards were used to spend $250 & then put in a safe place.

do i want the account closed & to post on my report as closed or just keep them open & have them as a fee free product?

Also will keeping them open have any effect on future churn possibilities with citi?

Thanks in advance