So you recommend waiting for the 13th month when the AF is billed and it will be refunded when I cancel? I can also check the retention line you provided.
I have the Hilton Ascend card that I will pay the AF for. As for losing out on new offers, I've gotten a lot of points trying 4 new Amex card this past year, I am willing to keep 2 the Ascend card and the Everyday card, but I don't see value in keeping the Gold and Green card for those AF.