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What will be in hand?
Please help

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You’ll still have the points after you downgrade - no rush
Does the point Conversion change after downgrading ? I'm worried about devaluing my points
Update - thanks for your advice! Can confirm all above is true
I opted for the downgrade to gold. They didn't offer the retention offer maybe because I said I wasn't going to travel as much this year. But they tried to sell me on staying in plat by going over the benefits again
You can’t downgrade to an annual fee of $0. Best they can do is the Green Amex, which is around $159, I think.
Oh really how come?