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?