I just got the Plat MB at the end of April, met the spend, and got my bonus points. I called today to downgrade to green and get the AF refunded, but I was told that I would have to pay the AF for Green ($95), and the only way to get first year free is to reapply for it. Is that for real, or should I HUCA? I would just cancel, but I don't have any other cards to keep my MR points.