CSR annual fee clarification: We received our CSR Sept '16, along with our $450 annual fee and our $300 travel credit. This year's $450 fee hit on October 1st, but this year's travel credit won't hit until December. When I signed up, I was hoping to get two years' travel credits for one annual fee and downgrade to a no-fee card. Should I pay the $450 now and then after this year's travel credit hits in December, ask to downgrade, hoping to pay just three months of a prorated fee but still net more than that with the travel credit?
Or, should I just downgrade now, giving up "double dipping" of the travel credit?