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- Location: United States
krisko wrote: CarefulBuilder14 wrote:
krisko wrote:I noticed the annual fee was charged a week ago so I called to cancel the card. She was able to convert it to a Hilton card while keeping the same card number. Feels weird canceling the skymiles card, I've had one forever.
Did you get a partial AF refund? AFAIK, there are only two Hilton Amex cards. One has a $75 AF, and one no AF.
I got a full refund even though I already paid the balance. She said you can get a refund if you cancel within the first few weeks of getting the fee.
I'm thinking I should've asked for some kind of HHonors points. I could've applied for a new Hhonors and gotten a bonus.
Well, signup/PC/retention bonuses are a very YMMV area, but I don't think you'd have gotten anything. PC bonuses are more common when there is an upgrade on the card, which usually means a higher AF. If I upgraded my PRG to a Platinum, I would probably get some extra MRs. I don't see how a $175 AF replaced by $75 or $0 could be considered an upgrade.
Yes, a new account usually means a bigger bonus. It also means a lower AAoA, an inquiry, etc. Amex knows that a new account entails a temporary cost in creditworthiness for you, whereas a PC has no such cost.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt, Arrival
May close or PC: Prestige, BrooksBros
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech