Across the West powerful firms are becoming even more powerful

Re:Across the West powerful firms are becoming even more pow... by b_tterc_p on Saturday November 17, 2018 @11:08AM (#18476031)

Sign up bonuses are good but cards cost about $70 a year typically. Wouldn’t it be better to hold two and change it up every year?

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Re:Across the West powerful firms are becoming even more pow... by checker on Saturday November 17, 2018 @11:53AM (#18476265)

Generally, annual fee cards have an equivalent free tier card. You should be able to just call the credit company and ask to downgrade to the free tier (usually after a year or two). They will usually honor this request. This conversion also doesn't affect your credit since it preserves your limit, balance, etc. YMMV but this has been my experience.

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Re:Across the West powerful firms are becoming even more pow... by lotsofpulp on Saturday November 17, 2018 @12:34PM (#18476447)

You can downgrade to the free card or just cancel it.

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