I have csv for 11 month now af coming up. 1- if i switch to csmc will i avoid af?, 2- My points from the csv do i have to transfer b4 converting the card?. TIA
If you switch, you can avoid the AF.
Personally i transfered mine to my Freedom until i decide what i want to do with the points. If you know where you want to use your points, transfer them to the hotel/airline program, if not the Freedom can hold the points for you.
I do believe your points stay for a certain period of time if you cancel, not sure how long though.