Whatamuji wrote:I would look into seeing if they will roll your card into an unsecured Platinum at the least and at the most a Quicksilver. I had a unsecured Platinum without AF and they rolled it into a Quicksilver for me after just a couple months of use.
If a front line customer service rep says that is impossible, contact the Executive Office (Google this and you will find how to accomplish that; it is simply emailing the CEO, requesting a telephone call; they will call back within 2 weeks) to see what can be done. If they refuse to unsecure the card and give you better terms than I would close it. The trade line will stay on your credit report for 10 years and will be included in your average age of credit; and in 10 years, provided you didn't screw up, your credit will easily handle having that account fall off.
Hint: it may help your case if you use the account a few times before requesting the upgrade. If the $29 fee is a few months away I would do that. Maybe charge your coffee's or some other nominal charges to it and pay it off straight away.