 TITLE: How to Downgrade Your Credit Card CONTENT: Drawbacks to Downgrading a Credit Card\n--------------------------------------\nThere may be downsides to downgrading a credit card as well. For instance, if your current card has an introductory 0% annual percentage rate (APR) offer, the intro promotional period might be cut short. Ask a card issuer representative how a product change will impact your account's standard and promotional APRs to verify their policy before you make your decision.\nDowngrading to a lower-tier card could also mean you'll lose your original card perks, such as access to statement credits, primary rental car insurance and airport lounges. Additionally, you won't necessarily get intro bonus offers for the new card.\nAnd, if you earned an intro bonus on your original card and then try to downgrade it to avoid paying the first annual fee, the card issuer may claw back your rewards if it suspects you're gaming the system. END