Originally Posted by mizzou1

Up until now I have tried SM four times and and every time they confirmed 60 days (and that it is not 180 days). I have called 6 times and every time they confirmed 180 days (and that it is not 60 days).
Some people say refund processing is automatic if cancelled within 60 days and manual if cancelled within 180 days, but this was not confirmed by CSRs, neither by SM nor over the phone.

How do you interpret this?

Originally Posted by Chase SM

Also, as requested, I've listed below our refund policy:

- If you close your account within 60 days from the annual
fee assessment date, the complete annual fee will be
automatically credited to your account within one to two
billing cycles.
- If the account closure is processed after 60 days but
before 180 days from the annual fee assessment date, you
will need to contact us in order to process the annual fee
refund.
- If the account is closed after 180 days from the annual
fee assessment date, you will not be eligible for the
annual fee refund.