Originally Posted by
pallhedge
You should edit your post as I have in the quote above for clarity.
You are right!
I have to apologize here for writing about this few times and being wrong! Just realized that I did get 2nd year credit on Jan 2017 statement.
I knew this only after checking my Jan & Feb statement.
In the meantime I can't decide on keeping or canceling or converting. I have $75 AU & $450 AF fee charged on Sep 1. If I keep it, I may cancel the AU to save $75 fee , pay $450 & get $300 back in Jan so my AF becomes $150. I have ink plus card to be able to make point transfers. I like all the rewards benefits except for travel protection benefit where they refused and denied my canceled trip claim for amount of $250 even after all the proof and Chase Exec couldn't do anything either. I may just cancel it before Sept 31, the 30 days deadline