This woman gave me a real easy time.
Shelbi: Hello #####! How may I assist you with your personal credit card?...................................................(standard back and forth)
.........You: Once I'm applying for a new card, I will shop around at other banks as well. I think it makes more sense if you can just downgrade and refund the fee. But as you wish.
Shelbi: Changing the Credit Card type will not help to avoid annual fee. Therefore, I suggested you to apply for a new Credit Card. Be assured, we are here to help you and will do our best to help you.
I will go ahead and waive the annual fee as you are a valuable customer.Shelbi: I have refunded the annual fee. The refund will post to your account within 24 to 48 hours.