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hey my credit card has a 550 annual fee and i don't want to pay it anymore let me guess you want to cancel your credit card no i know that by closing my card and losing the available credit i have on it could hurt my credit score okay go on then yeah i'd like to see if you can get me a retention offer that'll give me a discount if i keep this card oh that's smart and can work to get you 200 sometimes but unfortunately i can't offer that today so are you gonna cancel now no i'd like to downgrade this card to a card with no annual fee that way your credit score doesn't drop but you don't keep paying the annual fee smart where did you learn this i follow daniel