Amex USA terms now penalize:abuse,misuse,gaming;1st yr downgrade/close;leaked offers.
Mar 12, 2019, 3:27 pm
#166
Join Date: May 2005
Location: Los Angeles
Posts: 600
Just pay it and then cancel after your trip and ask for pro-rated refund.
Mar 12, 2019, 3:59 pm
#167
Join Date: Aug 2011
Location: Los Angeles, CA
Posts: 845
What are the rules regarding getting the $95 refunded? I guess it must be done within a certain time frame from when it posts.
Mar 12, 2019, 5:56 pm
#168
Join Date: May 2005
Location: Los Angeles
Posts: 600
American Express will refund the annual fee completely if you cancel the card within 30 days after the statement in which the annual fee hits.
Mar 12, 2019, 8:32 pm
#169
Join Date: Aug 2011
Location: Los Angeles, CA
Posts: 845
Mar 13, 2019, 6:02 am
#170
Join Date: Jul 2004
Programs: CO, UA, AA, WN, DL Gold
Posts: 2,981
I was told that you must cancel before the annual fee is charged, not the date of the statement. Could be very different dates we are talking about.
Mar 13, 2019, 7:27 am
#171
Join Date: Mar 2013
Location: Chicago, IL
Posts: 422
Amex charges their annual fee at the 1yr mark so its best to wait for the fee to post (which means its been 1yr) then downgrade/cancel to get the fee refunded
Mar 13, 2019, 8:28 am
#172
Join Date: Aug 2007
Location: Truth or Consequences, NM
Programs: HH Diamond, Marriott Titanium, Hertz President's Circle, UA Silver, Mobile Passport Unobtanium
Posts: 6,192
Mar 13, 2019, 9:06 am
#173
Join Date: Jul 2004
Programs: CO, UA, AA, WN, DL Gold
Posts: 2,981
You are right, I misspoke. You must cancel within 30 days of the annual fee posting. But not 30 days after the statement date. For instance, if the date of the annual fee posting is April 3rd and it appears on a statement ending April 25, you must cancel within 30 days of April 3rd, not 30 days from April 25th. A good way to confirm this is to got to 'chat' online and they will tell you your dates and options.
Sorry about the confusion.
Sorry about the confusion.
Mar 13, 2019, 9:19 am
#174
Join Date: Aug 2007
Location: Truth or Consequences, NM
Programs: HH Diamond, Marriott Titanium, Hertz President's Circle, UA Silver, Mobile Passport Unobtanium
Posts: 6,192
You are right, I misspoke. You must cancel within 30 days of the annual fee posting. But not 30 days after the statement date. For instance, if the date of the annual fee posting is April 3rd and it appears on a statement ending April 25, you must cancel within 30 days of April 3rd, not 30 days from April 25th. A good way to confirm this is to got to 'chat' online and they will tell you your dates and options.
Sorry about the confusion.
Sorry about the confusion.
"As before, Amex will still refund the entire annual fee if you close the account within 30 days of closing date of the statement that the annual fee is showing."
https://www.doctorofcredit.com/amex-...ing-septmeber/
Mar 13, 2019, 9:34 am
#175
Join Date: Jul 2004
Programs: CO, UA, AA, WN, DL Gold
Posts: 2,981
Still not right. You have 30 days from the closing date of the statement upon which the annual fee appears to cancel the card for a full refund of the annual fee.
"As before, Amex will still refund the entire annual fee if you close the account within 30 days of closing date of the statement that the annual fee is showing."
https://www.doctorofcredit.com/amex-...ing-septmeber/
"As before, Amex will still refund the entire annual fee if you close the account within 30 days of closing date of the statement that the annual fee is showing."
https://www.doctorofcredit.com/amex-...ing-septmeber/
Mar 13, 2019, 10:27 am
#176
Join Date: May 2005
Location: Los Angeles
Posts: 600
Here is the language from OP's card, Delta SkyMiles Gold, which states:
"If an Annual Membership fee applies, we will refund this fee if you notify us that you are voluntarily closing your Account within 30 days of the Closing Date of the billing statement on which that fee appears."
https://www.americanexpress.com/cont...12-31-2018.pdf
Mar 13, 2019, 10:34 am
#177
Moderator
Original Poster
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,952
In my experience American Express (USA) often bills the annual fee on the statement date, which collapses the distinction.
Mar 15, 2019, 2:04 pm
#179
Join Date: Mar 2011
Location: BDL, JFK
Posts: 658
Wife closed her Ameriprise Platinum when the AF posted. 1 month ago had done the $200 airline credit and $50 Saks purchase. They offered a 20k retention offer which we declined. No threats of clawback, CSR simply closed the account and refunded the AF.
Mar 25, 2019, 5:03 pm
#180
Join Date: Sep 2008
Posts: 7,875
Not necessarily right thread, but anybody with any idea how the offers work if they say have to book/pay by a certain day, and you do a prepaid for a future date? For example, offer expires Mar 31, and I prepay/pay now for a stay in April.
Thanks
Thanks
