People have had succes downgrading the Chase CO debit card to a fee free card (after the fee and miles post) and getting the fee refunded. I'd think it's better to do that then close the card since the word is they get mad when you close before 6 months. The Chase rep who set up my CO checking account told me if I close before 6 months I'll lose the miles. Although I doubt that, they can do other things when their not happy like ban you altogether.