Originally Posted by
Kagehitokiri
a pattern of refunding (action) AND receiving credit could be legally arguable as fraud could it not?
whereas gift card is non-enforcement of published policy (and no action)
Not sure about fraud re #1, but I would consider that unethical. That's like keeping excess change a merchant gives you in error. With #2, however, it's up to AmEx to decide how rigidly it wants to enforce those contractual terms. Businesses waive such contractual restrictions all the time.