Bye Bye pro-rated Annual Fee refunds (USA), September 2016, exceptions reported.
Oct 17, 2016, 6:49 pm
#46
Join Date: Jan 2016
Location: HI
Posts: 40
Will update if I actually do get the refund or not. I was actually surprised the agent said I was going to get one.
Oct 18, 2016, 11:42 am
#47
Join Date: Jan 2016
Location: HI
Posts: 40
Just a quick update, I saw the pro-rated annual fee credit to my account this morning. A quick call to CS and the credit was transferred to another card. I also had the option of them sending me a check.
Oct 18, 2016, 12:08 pm
#48
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,740
Could it be a system glitch or cards opened before the new policy are not affected? We dont know but would not look at the horse mouth.
Oct 19, 2016, 11:34 am
#49
Join Date: Jul 2011
Posts: 775
Thank you for posting this valuable information as this is completely contradictory to the "official" policy of no pro-rated refund if cancellation happens after 30 days the fee is billed.
Could it be a system glitch or cards opened before the new policy are not affected? We dont know but would not look at the horse mouth.
Could it be a system glitch or cards opened before the new policy are not affected? We dont know but would not look at the horse mouth.
Oct 19, 2016, 1:06 pm
#50
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,740
This also matches with Napagoer data point - he has a newly acquired PRG in August prior to canceling the Blue Cash Preferred this month.
Nowhere in the notice AMEX sent out on the new AF refund policy has ever mentioned this little gem.
Oct 20, 2016, 6:59 pm
#51
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,952
It appears Chase has followed American Express' lead, minus the advance notice:
http://www.flyertalk.com/forum/chase...ee-billed.html
http://www.flyertalk.com/forum/chase...ee-billed.html
Oct 21, 2016, 9:18 am
#52
Join Date: Jul 2008
Posts: 1,213
Looks like not everyone has received the memo. I cancelled my Surpass card in October and got the prorated fee back. But good to know - looks like I'll be hanging on to my Business Platinum Delta card for the year instead of cancelling once the bonus 70K miles post.
Oct 30, 2016, 7:01 pm
#54
Original Poster
Join Date: Apr 2013
Location: Lehigh Valley, Pennsylvania
Programs: Milege+, SkyMiles, AAdvantage, HHonors Diamond, Marriott Gold
Posts: 1,684
Nov 7, 2016, 10:09 am
#55
Join Date: Nov 2013
Location: NYC
Programs: BA
Posts: 954
When are AMEX annual fees charged? Is it exactly one year from the account approval date?
For example, if my AMEX PRG is opened on November 9, 2016 with 1st year AF waived, will my AF be charged on November 9, 2017?
I'm asking because I'm wondering if it's possible to get 3 years of $100 reimbursements before an AF is paid.
For example, if my AMEX PRG is opened on November 9, 2016 with 1st year AF waived, will my AF be charged on November 9, 2017?
I'm asking because I'm wondering if it's possible to get 3 years of $100 reimbursements before an AF is paid.
Nov 7, 2016, 12:00 pm
#56
Original Poster
Join Date: Apr 2013
Location: Lehigh Valley, Pennsylvania
Programs: Milege+, SkyMiles, AAdvantage, HHonors Diamond, Marriott Gold
Posts: 1,684
My PRG AF was charged on the closing date of the thirteenth statement. I opened the account in May 2015 with no initial AF. The first statement closed May 22, 2015. My 13th statement was May 22, 2016. It is not possible to get three $100 reimbursements before first AF.
Nov 7, 2016, 4:12 pm
#57
Suspended
Join Date: Dec 2014
Posts: 8,460
When are AMEX annual fees charged? Is it exactly one year from the account approval date?
For example, if my AMEX PRG is opened on November 9, 2016 with 1st year AF waived, will my AF be charged on November 9, 2017?
I'm asking because I'm wondering if it's possible to get 3 years of $100 reimbursements before an AF is paid.
For example, if my AMEX PRG is opened on November 9, 2016 with 1st year AF waived, will my AF be charged on November 9, 2017?
I'm asking because I'm wondering if it's possible to get 3 years of $100 reimbursements before an AF is paid.
The $100 reimbursement is per calendar year. So in the 3rd year, you would be billed the AF in December. Depending on the date, you could possibly get 3 years worth but only if you give yourself (MAX) 30 days to call AMEX and cancel the card to get AF refunded. So if your statement closes Dec 1, it's not possible. If your statement closes Dec 10, you can probably do it.
Nov 7, 2016, 7:39 pm
#58
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,932
I don't feel like searching that whole thread to find out if anyone's ever gotten a full waiver or full credit for the one-year anniversary AF on a BRG. But I presume that even if someone did, most people don't.
and, by extension, it's theoretically possible to get 10 years of $100 reimbursements before an AF is paid if by some wonder you get a retention bonus every single year.
Nov 7, 2016, 8:50 pm
#59
Suspended
Join Date: Dec 2014
Posts: 8,460
I would think it mostly depends on the (un)likelihood of this way of not getting a one-year anniversary AF:
I don't feel like searching that whole thread to find out if anyone's ever gotten a full waiver or full credit for the one-year anniversary AF on a BRG. But I presume that even if someone did, most people don't.
and, by extension, it's theoretically possible to get 10 years of $100 reimbursements before an AF is paid if by some wonder you get a retention bonus every single year.
I don't feel like searching that whole thread to find out if anyone's ever gotten a full waiver or full credit for the one-year anniversary AF on a BRG. But I presume that even if someone did, most people don't.
and, by extension, it's theoretically possible to get 10 years of $100 reimbursements before an AF is paid if by some wonder you get a retention bonus every single year.
$200 AF credit in 2016
$200 AF credit in 2017
Annual fee posts late Dec 2017/early Jan 2018
$200 AF credit on Jan 1 2018
Then call AMEX to cancel and get AF refunded within 30 days of it posting
Nov 8, 2016, 2:51 pm
#60
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,932
It's possible to get the 3 years, even without a retention offer. I'm planning to get the Ameriprise Plat. I will apply around Dec 5 so that my first statement closes towards the end of Dec/early Jan.
$200 AF credit in 2016
$200 AF credit in 2017
Annual fee posts late Dec 2017/early Jan 2018
$200 AF credit on Jan 1 2018
Then call AMEX to cancel and get AF refunded within 30 days of it posting
$200 AF credit in 2016
$200 AF credit in 2017
Annual fee posts late Dec 2017/early Jan 2018
$200 AF credit on Jan 1 2018
Then call AMEX to cancel and get AF refunded within 30 days of it posting
So you may have to make a choice: Go for a better-than-usual offer at another time year and only get the credit twice before AF, or go for whatever offer is available in December (even if it's not the best) and then get the credit three times before AF. I depends on whether you value the extra $100 or $200 (depending on the card) more or the extra points in a special offer more.
