The Archive

RetainUR Blog

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Tips, strategies, and insights on credit card churning, card retention, and protecting your credit score.

01

Product Changes and Downgrades: Keep the Card, Ditch the Annual Fee

Annual fee coming due on a card you no longer use? Don't cancel it. A product change preserves your credit line and account age while eliminating the fee. Here's how downgrades work at every major issuer.

Strategiesstrategiesannual feesproduct changecard retention
June 4, 20268 min read
02

Automated Card Retention: How a $1 Charge Keeps Your Cards Alive

Manual card retention is tedious and error-prone. Learn how automated micro-charges work, why $1 is all it takes, and how to set up a hands-free system to protect every card in your wallet.

Card Retentionautomationcard retentionmicro-charges
April 30, 20266 min read