Upgrading vs. Downgrading Your Credit Card | Capital One
https://www.capitalone.com/learn-grow/money-management/upgrade-or-apply-for-new-credit-card/
webNov 28, 2023 · The terms “upgrade” and “downgrade” can be misleading. Swapping your current card for one with fewer rewards and a lower annual fee, for example, can still be an improvement if it’s a better match for your needs and spending habits. Applying for a new credit card may come with advantages like introductory APR offers and early spend …
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