I had decided to keep my CSR after seeing the video from Ask Sebby. I can justify the $450 fee because I can spend $300 on travel , the 6 hour trip delay as well as, primary rental car insurance would make up for the $150 fee. I also have a bunch of UR points I need to spend via the portal at 1.5 cents per point or even redeem for Hyatt hotels with half off family rates for a second room. Biggest bonus of the card is the referral link here for 10k UR for those who finally waited and passed for 5/24 to pass. Please use the link!