I got the capital one venture 10 months ago and received the 50k bonus, and cashed out my points. now the annual fee is coming up. does anyone know if they let u downgrade to another card thereby avoiding the annual fee? or is it better to close the card?
also if I downgrade - to which card would be best to downgrade to? and does capital one consider a downgrade a new cc and therefore make a new hard pull?
TIA