Cards worth paying the Annual Fees

[David Smith]

I don't think it's worth it for me just for the CDW. So the remaining question is whether to keep 1 or 2 Ink cards. There is the Lounge Club benefit, but since we have Amex Platinum cards, that should cover that, no?

Lounge club is dead.

[Iz]

Ink plus to ink cash, csp to freedom.

Business to business, and personal to personal. Is that the idea?

[Iz]

Lounge club is dead.

Oh, right!

[yakrot]

Oh, right!

even if at the moment you don't feel like the type to maximize 5x on ink it may still be worth it to hold onto (over a csp) just in case you ever get there.

[David Smith]

even if at the moment you don't feel like the type to maximize 5x on ink it may still be worth it to hold onto (over a csp) just in case you ever get there.

You can downgrade to an ink cash, and upgrade if/when you want it. For that price, you can downgrade both, but you want at least one card with transfer abilities.

[Iz]

even if at the moment you don't feel like the type to maximize 5x on ink it may still be worth it to hold onto (over a csp) just in case you ever get there.

Agreed. CSP is gone. The only question is whether to have (and pay for) 1 or 2 Inks. I don't think it's worth it for a maybe.

[Iz]

You can downgrade to an ink cash, and upgrade if/when you want it. For that price, you can downgrade both, but you want at least one card with transfer abilities.

Exactly!

[Iz]

I assume a downgrade does not involve a credit pull, correct? Also, is it a big deal to get a downgrade (recon, etc.), or are they easy with it?

[yochiek93]

I assume a downgrade does not involve a credit pull, correct? Also, is it a big deal to get a downgrade (recon, etc.), or are they easy with it?

Nope and I never had a problem

[Denverite]

Remember to downgrade, not close.

But don't you need to close it so that when you try again later on to get sign up bonus again?  Also what is  CDW?  Forgive my ignorance in advance on this.

[TimT]

But don't you need to close it so that when you try again later on to get sign up bonus again?  Also what is  CDW?  Forgive my ignorance in advance on this.

If you downgrade you don't have that product anymore.
CDW=Collision Damage Waiver

[Denverite]

If you downgrade you don't have that product anymore.
CDW=Collision Damage Waiver

Oh wow, didn't understand that all about the cards, thanks!

[Iz]

Nope and I never had a problem

Thanks.

[a mirrer]

I don't think the 2x is worth it, considering I have Amex gold for tickets (3x), etc. The only question is the CDW. Is that the only card that offers it everywhere?

UMPE is the same as sapphire for CDW

[Iz]

Time to deal with the AF on my CSP. Is it worth asking for them to waive it, or just go straight to downgrade?
Also, any reason to wait for regular business hours? Are the reps then more knowledgeable/empowered?
Thanks.

[TimT]

CSP is a very tough one

[Iz]

CSP is a very tough one

To waive?

[TimT]

Yup

[Iz]

Yup

Thanks for the quick reply. Might as well try, no? What is there to lose?

[PETERP]

Thanks for the quick reply. Might as well try, no? What is there to lose?

nothing