Happy Monday morning on the first Monday of November! Only 24 more days until my birthday, woo hoo! Anyway, this post was brought to you by the letter “A”merican Express…
First off, all my American Express credit card statements close at the beginning of the month and I noticed a $75 annual fee on my American Express Hilton HHonors Surpass Credit Card. This card is only good if you want Hilton Gold Status and stay in domestic Hilton Hotels, since you earn 12x. I also have the Citi Hilton HHonors Reserve Credit Card which offers Hilton Gold Status and 10x at Hilton Hotels. Plus it has no foreign transaction fees and earns a free weekend night after spending $10,000/year. For even more analysis, please read MSing for Hilton HHonors Points (4 Credit Card Comparison) and Reykjavik, Iceland Hotel Options. Long story short, the American Express Hilton HHonors Surpass Credit Card is not worth the $75 annual fee.
I was hoping to convert this AMEX card into a AMEX Everyday Credit Card, but the representative could only downgrade me to the no annual fee Hilton AMEX or convert the card to a Delta AMEX. I declined both offers and asked if I could move the credit to an existing AMEX credit card. He said yes, so I was able to move a big chunk to my Old AMEX Blue. My new credit line on the Hilton Surpass was lowered to $500 and the remaining credit line was moved to the Old AMEX Blue, bringing that credit line up to $13,000. Excellent! The Hilton Surpass Credit Card was then closed, per my request (annual fee refund pending).

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