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hey guys welcome back to my channel today were going to go over product changing credit cards for those of you new to the channel im jp knowledge and here on this channel i like to drop some knowledge on you about personal finance savings and how to maximize spend if thats something youre interested in please subscribe down below so when i recommend cards to people when i start to recommend cards that have higher sign up bonuses a lot of those cards end up having annual fees now when these cards end up having annual fees a lot of the people who i recommend the cards to typically end up saying well if not as into this card a few months later after hitting the sign up bonus with this card typically what i tell people is wait for a year of actually owning the card then when the annual fee hits you can either product change downgrade or cancel the card or ask for a retention offer and usually when i say this a lot of people end up getting confusion so i think that its good for me to m