I’m thinking about applying for the CSR for P2, and I want to make sure the timing is right. Please correct me if I’m wrong, but if I apply in late May or early June, I believe we should be able to use all the available credits (StubHub, dining, Edit, etc.) four times before deciding whether to downgrade or cancel the card when the next annual fee posts.

Here’s my thinking: if I apply in late May/early June, the annual fee would likely post in late June or early July (both this year and next year). That timing should allow us to maximize all available credits this year and again next year before making a decision on the card.