hi all,
a friend of mine signed up and was approved for a new BA card. she got 50k miles bonus. at the end of her first billing cycle she was charged the $95 annual fee. should she cancel the card? when she called chase they said that she can't downgrade the card to anything free, and if she cancels now, which is less than 60 days since the card was opened, it will not effect her credit. is all of this true?