First world problems.

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Yeah maybe. But if they did it'd cost $695 to save $930 of points (still $235 ahead though.)

AmEx is known for clawing back the SUB if you don't hold the card for 12+ months. Their AF for Gold or Platinum really sucks the joy out of the SUB if you can't make use of the extra perks you're paying for. That's what is personally keeping me away from AmEx for the time being. I don't use Uber and there isn't a Cheesecake Factory near me, but if so I'd consider the AmEx Gold for the $240 credit I could get back.

Just called they said, they have the responsibility to tell you about the 12 month when upgrading but not when downgrading. And I won’t be able to get the points back even if I upgrade back to platinum.

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Wow that’s a nice rep. I should’ve been more careful, and it’s a small price to pay to be more careful next time with things.

Did u still switch to Sapphire?

Yes, I’ve been wanting to change for a while now. Just need to wait a year or two for my sapphire card to age before canceling Amex to have minimum affect to my credit score.

Wow, you are rich, but are you single?

Not rich, too busy running two business. Don’t want to remind myself about being single.

My thought exactly.