Originally Posted by
michael_v
3. So when can we churn this card?
This is how I interpret the T&C and it has been confirmed by a poster on a previous Hilton Amex card thread as per their interaction with Amex CS: if you have had the exact same card in the past, it needs to be closed for at least 12 months before applying again. Furthermore, any other Hilton Amex cards also need to be closed for at least 3 months.
It is slightly more complex than this. Let me give you an example with a timeline
1/1/2010 - apply & approve for HH AMEX
1/2/2011 - eligibility for another HH AMEX*#
*Same product must be closed for 12 months
# All other HH AMEXs must be closed for 90 days
So you really won't be able to apply for the same product until
1/2/2012
Essentially, they are churanble every 2 years
So, for example, you get the fee free and want surpass
1/1/2010 - Fee free
10/1/2010 - Cancel Fee Free
2/1/2011 - Apply Surpass (I wouldn't do it at the 90 day mark just in case)