Safe to downgrade Aspire?

[Anonymous]

My annual fee is set to post tomorrow when my statement closes so I was considering downgrading to the no fee version. With all that's going on, I'm not sure if I can justify renewing multiple 400+ AF cards this year. I'be had the aspire (upgraded from no fee one last year) since Mar 9 of last year. 

Is it safe to downgrade now? Also worth mentioning I've partially used the resort credit though not intentional. I was planning on staying at a resort in Miami in 2 weeks for my bday but of course I chose to cancel due to Covid 19.

The hotel required a deposit which triggered 83$ of the resort credit. Should I bring this to AMEXs attention regarding the double credit. 

thoughts?

[Ficoproblems247]

I can tell you that I probably don't plan on keeping my Delta forever, but the plan is to close it after 23 months. That way I've at least paid them 1 annual fee as they were generous enough to give me a SUB for opening the card with them. I plan to open a BCP with them and want to keep the relationship good. I'm assuming you've paid no AF at all yet for having the card? That looks like some serious churner stuff if that's the case. Hopefully someone with more experience on AMEX clawbacks/AA will give some good advice, but that's just how I would look at it. 

[Anonymous]

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@Ficoproblems247 wrote:

I can tell you that I probably don't plan on keeping my Delta forever, but the plan is to close it after 23 months. That way I've at least paid them 1 annual fee as they were generous enough to give me a SUB for opening the card with them. I plan to open a BCP with them and want to keep the relationship good. I'm assuming you've paid no AF at all yet for having the card? That looks like some serious churner stuff if that's the case. Hopefully someone with more experience on AMEX clawbacks/AA will give some good advice, but that's just how I would look at it. 

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No I've paid the annual fee when i upgraded the card last year it was just prorated.