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Card upgrade and downgrade benefit questions

Hi, have got a ruby card on hand, and thinking of upgrading to indigo with possibility of downgrading back to ruby maybe one day. Wondering anyone has clarity on: 1. once i upgrade, will i get the card benefits (netflix, 3%, airport lounge) immediately even though the card is not issued to me or do i have to wait for the card to be actually in my hands 2. is there an upgrade fee of $50? 3. when i downgrade, and restake for ruby, do i keep the indigo card or need to wait for a new ruby card (i guess with a new card number) 4. in between waiting for cards to be received during upgrade and downgrade, will the old cards work and what happens to the money in the cards? thanks!!
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