I called up right before my AF was gonna hit and i asked to switch to SP mastercard. they said yes
about a week later, i noticed the $95 charge, so i called up, and at first she said its the same account so there is a fee, but i told her thats not what i was told. she spoke to her manager and apologized profusely, saying she thought she knew everything there was to know about SP and now i helped her find out something new.
about a week later i had the refund