In the same situation now for wife's card VISA to MC . Both cards showing and Annual Fee on the Visa
#1 How do I get AF off old SP Visa off that is part of a larger balance now. Ask for retention bonus? Offer to cancel the Visa thus leave the MC with no AF and wait and then apply for Visa later ?
#2 Too soon to apply for Visa since both showing online? Some have said it does not matter
I think i waited too long and messed this one up
Help
Update . I did wait too long it seems . Called to get AF waived from SP VISA that i was converting to MC and was told can not be done. Last time when converted before AF became due it was not added to MC and it dropped off .
CSR said Visa and MC are the same product and can't waive fee now. Can drop to Sapphire non preferred with no AF and FX fee can use that to hold UR Alive .
Transfer all UR out and close out Visa and converted MC and give CL back to freedom ? Will MC drop off the record ?
Having MC will maybe stop me from getting bonus again on any Sapphire or make it less likely .
Looks like I messed this up bigtime