I am nearing retirement and have greatly reduced my earning capacity so I am unlikely to ever get approval for a higher end card again.
I would like to do the annual dance with my Amex Qantas Ultimate but also will wish to retain the card no matter what.
If I cancel and don't hear from the retention department is there still an option to re-instate my card without a credit check?
The way I play it is I directly ask if there is a retention bonus. They tell me they can't see if there is one until I cancel the card. Then just to make sure I ask if I cancel the card can I re-instate it without issue right away. The answer is yes. So I say please go ahead and cancel. They read out the cancellation spiel. Then right away they can see if there is a retention offer. You accept it and card is re-instated (no credit check). No offer, you can still just ask them to re-instate it. It's quite simple and easy.
Previously when I've done the dance, the card has been removed from my Google wallet. For some reason, that hasn't happened (yet) this time.