topic Re: Upgrade to Surpass in Credit Cards

Upgrade to Surpass

Dustink — Sun, 04 Nov 2012 00:42:58 GMT

Upgrade to the Hilton HHonorsTM Surpass® Card and receive extraordinary service every step of your trip.

Earn 50,000 HHonorsTM Bonus Points, within the first 90 days upon upgrading and upon charging a total of $3,000 or more of eligible purchases.(1)
Earn 12 Hilton HHonorsTM Bonus Points for every dollar of eligible purchases at any participating hotel within the Hilton HHonors portfolio of brands (2)
Complimentary Gold status for your first year; after that, maintain your status each year when your total eligible spend reaches $20,000(3)
$75/year annual fee

If I accept this offer, will I be billed the annual fee now or after a year?

Re: Upgrade to Surpass

Walt_K — Sun, 04 Nov 2012 01:04:53 GMT

If an AF isn't waived first year, you get billed immediately.

Re: Upgrade to Surpass

Dustink — Sun, 04 Nov 2012 01:25:54 GMT

Bummer

Re: Upgrade to Surpass

distantarray — Sun, 04 Nov 2012 01:27:07 GMT

you can probably recon the annual fee but regardless it's worth the ugprade in points alone.

Re: Upgrade to Surpass

CreditScholar — Sun, 04 Nov 2012 01:27:49 GMT

50k Hilton points for $75 is a good deal anyways. You can always downgrade again after the first year to the no AF version.

Re: Upgrade to Surpass

Repo-ed — Sun, 04 Nov 2012 01:28:47 GMT

distantarray wrote:
you can probably recon the annual fee but regardless it's worth the ugprade in points alone.

Re: Upgrade to Surpass

Dustink — Sun, 04 Nov 2012 01:35:21 GMT

I went to upgrade and it gave me an error telling me I needed to wait 24 hours.

I also think the 50k points are worth the AF, but I will try reconing the AF.

Who should I contact and what should I say? I am generally good at reconing, but I am not sure how I would explain why the AF should be waived. I chose to upgrade and got a lot of points for it, now I want me AF back...haha

Maybe some great story about being a great customer, and how I will more than make up the annual fee to them.

Re: Upgrade to Surpass

distantarray — Sun, 04 Nov 2012 01:36:46 GMT

Dustink wrote:
I went to upgrade and it gave me an error telling me I needed to wait 24 hours.

I also think the 50k points are worth the AF, but I will try reconing the AF.

Who should I contact and what should I say? I am generally good at reconing, but I am not sure how I would explain why the AF should be waived. I chose to upgrade and got a lot of points for it, now I want me AF back...haha

Maybe some great story about being a great customer, and how I will more than make up the annual fee to them.

you really are the cheapest lawyer I know :p

Re: Upgrade to Surpass

CreditScholar — Sun, 04 Nov 2012 01:50:55 GMT

distantarray wrote:
Dustink wrote:
I went to upgrade and it gave me an error telling me I needed to wait 24 hours.

I also think the 50k points are worth the AF, but I will try reconing the AF.

Who should I contact and what should I say? I am generally good at reconing, but I am not sure how I would explain why the AF should be waived. I chose to upgrade and got a lot of points for it, now I want me AF back...haha

Maybe some great story about being a great customer, and how I will more than make up the annual fee to them.
you really are the cheapest lawyer I know :p

You're already getting 50k points for $75, and you think you should have the AF waived too? If you get a card that has an AF on it, that's part of the terms that you accept. I see so many people who try and argue their way out of it. It's already a really good deal.

Re: Upgrade to Surpass

trumpet-205 — Sun, 04 Nov 2012 01:56:13 GMT

My advice is if AF cannot be waived, then keep Surpass for a year and downgrade before second AF.

Re: Upgrade to Surpass

Dustink — Sun, 04 Nov 2012 02:03:34 GMT

CreditScholar wrote:
distantarray wrote:
Dustink wrote:
I went to upgrade and it gave me an error telling me I needed to wait 24 hours.

I also think the 50k points are worth the AF, but I will try reconing the AF.

Who should I contact and what should I say? I am generally good at reconing, but I am not sure how I would explain why the AF should be waived. I chose to upgrade and got a lot of points for it, now I want me AF back...haha

Maybe some great story about being a great customer, and how I will more than make up the annual fee to them.
you really are the cheapest lawyer I know :p
You're already getting 50k points for $75, and you think you should have the AF waived too? If you get a card that has an AF on it, that's part of the terms that you accept. I see so many people who try and argue their way out of it. It's already a really good deal.

Somebody else was telling me I could recon the AF, wasn't my idea :)

Re: Upgrade to Surpass

Dustink — Sun, 04 Nov 2012 02:05:36 GMT

Now that I think of it, I have only had my account for a month. They cannot legally upgrade my account to a card with an AF.

Ugh, what a waste of time. They need to target their offers better. I was signed in and got the offer. I would expect better from AMEX.

Re: Upgrade to Surpass

Walt_K — Sun, 04 Nov 2012 02:59:44 GMT

The card gives 40,000 for first purchase and 20,000 additional points after spending $3000 in 90 days. I'd rather just apply for the normal offer than take the upgrade anyway. It's 10K more points.

Re: Upgrade to Surpass

distantarray — Sun, 04 Nov 2012 03:19:43 GMT

instead of reconning, you could play dumb on I signed up for the wrong one =x

Re: Upgrade to Surpass

Dustink — Sun, 04 Nov 2012 03:21:51 GMT

distantarray wrote:
instead of reconning, you could play dumb on I signed up for the wrong one =x

Or a "I thought the AF was charged at the end of the year."
Can you please waive it this time?

Re: Upgrade to Surpass

distantarray — Sun, 04 Nov 2012 03:22:54 GMT

Dustink wrote:
distantarray wrote:
instead of reconning, you could play dumb on I signed up for the wrong one =x
Or a "I thought the AF was charged at the end of the year."
Can you please waive it this time?

lol i doubt they'll believe the AF was charged at the end of the year with your credit profile

Re: Upgrade to Surpass

Dustink — Sun, 04 Nov 2012 03:23:13 GMT

Walt_K wrote:
The card gives 40,000 for first purchase and 20,000 additional points after spending $3000 in 90 days. I'd rather just apply for the normal offer than take the upgrade anyway. It's 10K more points.

Plus backdating if I apped 1/13...I don't need any more HPs, but I will think about it when the time comes.

The no AF card is offering 65k now.

Re: Upgrade to Surpass

distantarray — Sun, 04 Nov 2012 03:28:14 GMT

Dustink wrote:
Walt_K wrote:
The card gives 40,000 for first purchase and 20,000 additional points after spending $3000 in 90 days. I'd rather just apply for the normal offer than take the upgrade anyway. It's 10K more points.
Plus backdating if I apped 1/13...I don't need any more HPs, but I will think about it when the time comes.

The no AF card is offering 65k now.

no worries if you app january 2013, or January 2014 it'll backdate the same anyways so not like you HAVE to do it this January.

Re: Upgrade to Surpass

Dustink — Sun, 04 Nov 2012 04:02:54 GMT

I think I am going to get at least one more AMEX this coming January.

Re: Upgrade to Surpass

distantarray — Sun, 04 Nov 2012 04:05:23 GMT

Dustink wrote:
I think I am going to get at least one more AMEX this coming January.

Let me know when your going to do it, if you don't live in Florida we can do it together over webcam while taking shots lol