Thanks for the excellent advise. I am not sure if they will refund pro rata fee if I downgrade the card. I have some doubt about it.starchoice wrote: ↑ I wouldn’t do this without any guarantee. Your credibility will be maintained if you keep the card and fight for what is owed to you.
If you downgrade the card, you will definitely not get any more points and at best, only part of the fee back.
Not sure how the Avion card works regarding points but if you do anything drastic, cash in those points first.
I will pay the card in full this weekend and then just close it. Points can be transferred to one of my other cards. Not sure how much 15K points are worth but hopefully I can get half the cost refunded.