@Rebekah277053485esa
close to 100% without penalty.
to make sure that is 100% (and not just close), have the change made (when you're ready) by an adobe agent (via adobe support) and make sure they explain there will be no penalty. in fact, for your current change from the photography plan to the cc plan, you should probably have that made by an agent too so your explicitly told the terms of that change are exactly what you want.
if you use chat to contact adobe support, you will get a transcript of that conversation. save it to prove you should have no penalty in case there's an "error" made by adobe and they try to charge you.
there are 3 ways to contact adobe; chat, phone and twitter:
chat:
use a browser that allows popups and cookies, and click here, https://helpx.adobe.com/contact.html?rghtup=autoOpen
in the chat field (lower right), type AGENT
be patient, it can take quite a while to reach a human.
phone:
https://helpx.adobe.com/contact/phone.html
twitter:
tweet @AdobeCare
p.s. if you're contacted by anyone (via email or private message), it's much more likely to be a scammer than an adobe representative. ie, double check for an employee badge if contacted in the forums and look for an adobe.com domain in the email address if you click reply to an email. then check again and be very suspicious. any other method of contacting (or offering to contact you) is almost certainly a scam, https://community.adobe.com/t5/using-the-community-discussions/staying-safe-in-the-adobe-support-community/td-p/12919684/redirect_from_archived_page/true