Just got hit with the AF for the hyatt card. Question: the rep on the phone told me that if i already booked the room for the anniversary night, then even if i shut down my account to avoid paying the AF, i would not lose that reservation. However if i didn't book it yet, then if i shut down the account, i would lose my anniversary night. is this a classic case of DROPR? can someone please confirm what he said...TIA