I love credit cards so much! v7.0 - 2025 (see first page for add'l details)

Hey all! Looking for thoughts/advice- I have 4 Chase Southwest airline cards between P2 and I. None of them have any balances but we have some debt we are carrying for a while. Therefore, I don’t want to outright close my SW cards, but maybe I could do a product change. (They’re raising their annual fees ridiculously high and taking away the useful benefits for us.)
If I were to do a product change, is there any way of taking advantage of a SUB?

Also, if I cancel and then reapply for a different Chase card, how negatively is my credit impacted by that? Would that flag anything with Chase? (I’m at 0/24)

Lastly, if you were to go between Hyatt Chase cards or the Hilton Chase, which would you choose? We’ve been in the Marriott world for a while and also looking at a change. (Have the Marriott Chase already).

Thanks for any opinions, advice, recommendations, etc
 
Lastly, if you were to go between Hyatt Chase cards or the Hilton Chase, which would you choose? We’ve been in the Marriott world for a while and also looking at a change. (Have the Marriott Chase already).
Hilton cards are issued by American Express only and Hyatt is Chase only.

Since I most likely will never achieve global status with Hyatt I would go with Hilton as they have a bigger footprint and you can generally buy points for pretty cheap to reduce your costs since the credit card gives you the option to get one night free when you stay 4 nights. Also the Hilton free night certificates if you get a card with one has no point restrictions.

The Hyatt card would be nice, but I can just transfer points from Chase ultimate rewards and basically get the same benefits again since I won’t have status with Hyatt. The Hyatt free night certificate are capped by categories and they have changed categories recently. Such as the MCO airport is now a category five so I can no longer use a category 1 to 4 night certificate there.
 
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