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Prestige AF refund after use of benefits?
I recently picked up the Chase Sapphire Reserve so I’m looking to cancel my Citi Prestige in the near future. AF on the Prestige comes due in a few weeks, however I have a flight in December purchased with the Prestige, so I’d like to keep it until then for trip protection purposes. My question is, as I understand it, Citi will refund you a prorated annual fee if you cancel/product change after more than 30 days from AF hitting. Would I be able to wait until January, use the $250 credit, and then cancel/product change, or would they not honor the $250 credit/AF refund in that case?
I believe Citi’s policy is to prorate after 37 days. You should be able to do what you are describing but you will need to wait until the travel credit hits your statement before you cancel. You can start using next year’s travel credit any time after your December statement closes.