<prompt> Human: Hello,I have an Amex rewards travel card through USbank. Ive had it for three years and Ive gotten one free round trip ticket per year due to my spending on the card. However, I keep getting better no annual fee applications in the mail that I would like to take advantage of. The thing is, if Im not utilizing my current card, the yearly fee is wasted. If I cancel it I hear its bad for my credit. What do.  <response>: Call and ask if you can product change or downgrade it to a no fee card. 