What's the best protocol for speaking with the agent? Do you simply say, "Hi, I'd like to cancel my card. Do you have any offers to help me keep it open?" or do you ask something else? When people refer to "HUCA," do you literally hang up the phone without saying anything, or do you say, "I'll think it over and call back." In order to get the best offer, is it best to wait until 30 days post-AF is near? How many times is advisable to call when trying to get the best offer? Thanks for your help and apologies in advance for the n00b questions! :-P