Good morning everyone. A few days ago, the $395 annual fee posted to my JPMorgan Chase Ritz Carlton Credit Card. A few months ago, I wrote this post: Should I Keep Both Chase Sapphire Reserve & JPMorgan Chase Ritz Carlton Credit Cards? In that post, I basically decided that the $300 travel incidentals credit and unused Ritz Carlton perks were not worth the $395 fee. So when the $395 annual fee posted on my JPMorgan Chase Ritz Carlton Credit Card, I knew I had to call Chase and see what options were available. I didn’t bother asking for a retention offer since I probably spent about $350 on the credit card during the past year, and $300 of that was reimbursed due to the travel credits. Instead, I asked the JPMorgan Chase rep what my conversion options were. He said there were 2 credit cards I could convert to…
