Chase Saphire Reserve just charged me $550 membership fee. I should have closed my card earlier. Any way to get this fee reversed?

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Isn’t that how much the annual fee is for that card? Did you not know about it? If you were charged today, I assume you can call and cancel today and ask them to reverse the fee.

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The fee has been 550 since 2020 (at least for me). The $300 isn’t refunded to you but is instead a credit on your statement.

I think they give you a billing cycle to cancel, just call.

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Yeah, just call and cancel

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If you cancel within this billing cycle, you should be refunded the entire amount. After that, you get a prorated refund.

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Don't cancel, downgrade to one of the cards in the Freedom family

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What happens with my accumulated points if i cancel/downgrade ?

You keep the points but lose the points redemption benefits of a Reserve (e.g., 1.5x pay yourself back, 1.5x travel reception via Chase, etc.) If downgrading, recommend redeeming all your points for the pay yourself back statement credits. Not sure what happens if you outright cancel.

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In what condition would you consider retire?

A. My investment/401K/IRAs reach $3M (or 5M or a number);
B. My investment can generate income (dividends/interest) that equals to 75% (or some %) of my current salary;
C. My mortgage paid off or/and kids college paid off;
D. When I reach 62.5 yr old (or certain age);
E. Some other consideration (please specify)

One of the above, or some combinations of above - please specify.

F. None of the above - I'll keep working until I kick the bucket :-)

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