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

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 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.

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.