I posted this DP mainly related to the frequent discussions here regarding “clawback(s)” of (any) benefit(s). Some of us sometimes think “we’re getting away with something” or “pulling the wool over Chase’s (or AmEx’s) eyes” when a benefit (that perhaps SHOULD be clawed back, such as this example) is NOT clawed back.

Apparently, at least in this example, Chase has specific procedures regarding clawback(s) and thus Chase MUST be aware that some benefits are ultimately “unearned” due to refund of the triggering charge. If Chase didn't (want to) claw it back after I asked them to, what are the chances Chase would do so on their own volition?

It also goes to the AmEx benefits (primarily for me the Hilton Aspire Resort credit) which haven’t been clawed back (from me for 4-5 years) despite refund of the triggering charge (and many admonitions here of RAT squad consequences).