<prompt> Human: Hi all, This might not be the right sub for this, but I know I can get valuable advice here regardless. Basically I applied and was approved for a platinum card. It carries an annual fee of 450, but its unlikely I travel to the degree that warrants that astronomical fee. I received the card in the mail but I have not activated yet. Will downgrading to the Gold Card before activating the card hurt my credit score? What should I do?  <response>: Have you looked at all the benefits? Its not a tough card to get 450 worth of value out of for the first year. 