Go Back  FlyerTalk Forums > Miles&Points > Credit, Debit and Prepaid Card Programs > American Express | Membership Rewards
Reload this Page > Amex USA terms now penalize:abuse,misuse,gaming;1st yr downgrade/close;leaked offers.

Amex USA terms now penalize:abuse,misuse,gaming;1st yr downgrade/close;leaked offers.

Reply

Old Jul 26, 17, 8:16 am
  #1  
mia
FlyerTalk Evangelist, Moderator: American Express, Citi, Diners Club, Signatures
Original Poster
 
Join Date: Jun 2003
Location: Miami & London
Programs: AA 2MM Perpetual Platinum; HH, Marriott & SPG Gold
Posts: 33,861
Amex USA terms now penalize:abuse,misuse,gaming;1st yr downgrade/close;leaked offers.

Note that American Express (USA) has refreshed new account terms to itemize behavior which may cause rewards to be forfeited:

... points will be credited to your Membership Rewards account 8-12 weeks after you have met the purchase requirement. If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with the welcome bonus offer in any way or that you intend to do so (for example, if you applied for one or more cards to obtain a welcome bonus offer (s) that we did not intend for you; if you cancel or downgrade your account within 12 months after acquiring it; or if you cancel or return purchases you made to meet the Threshold Amount), we may not credit Membership Rewards to, we may freeze Membership Rewards credited to, or we may take away Membership Rewards from your account. We may also cancel this Card account and other Card accounts you may have with us.

American Express reserves the right to modify or revoke offer at any time.

Your account must be in good standing and not in default at the time of fulfillment of any offers.

*Qualifying purchases are purchases for goods and services. Qualifying purchases do NOT include fees or interest charges, purchases of travelers checks, purchases or reloading of prepaid cards, purchases of gift cards; person-to-person payments, or purchases of other cash equivalents. Additional terms and restrictions apply.
mia is offline  
Reply With Quote
Old Jul 26, 17, 9:05 am
  #2  
 
Join Date: Sep 2015
Location: SFO
Posts: 2,068
Go get 'em Amex!
Troopers is offline  
Reply With Quote
Old Jul 26, 17, 9:18 am
  #3  
 
Join Date: Mar 2011
Location: BDL, JFK
Posts: 380
"if you cancel or downgrade your account within 12 months after acquiring it;"
Welp that's me!
Robl is offline  
Reply With Quote
Old Jul 26, 17, 9:19 am
  #4  
 
Join Date: May 2015
Location: LAX, BUR
Programs: AS,AA,JB, HH Gold, SPG & Marriott Gold, Hyatt Explorist, Global Entry
Posts: 1,445
Direct response to leaked links, code sharing, and other methods shouted about on the internet!
mhdena is online now  
Reply With Quote
Old Jul 26, 17, 9:27 am
  #5  
 
Join Date: May 2015
Location: DCA
Programs: DL PM, UA Silver, SPG Platinum, Hilton Diamond
Posts: 5,105
As I've said before, if you're one of those who likes to take the money and run, I hope you get penalized or blacklisted. You're ruining this hobby for the rest of us. I got the 100K offer, but I also paid the AF, and still hold the card today.

I will say though that it was Amex's fault that a reusable link was even generated in the first place. If they're worried about abuse, make all non-public links usable one-time only.

Keeping an eye out for the inevitable r/churning meltdown thread.

Last edited by WWads; Jul 26, 17 at 9:33 am
WWads is online now  
Reply With Quote
Old Jul 26, 17, 10:26 am
  #6  
 
Join Date: Aug 2011
Programs: SPG Gold, Marriott Gold, Hilton Gold, Club Carlson Gold
Posts: 1,349
Good, gift cards are abuse for a big population of people. Spend should be legit who really buys gift cards regularly besides for a gift for someone?
slickvik is offline  
Reply With Quote
Old Jul 26, 17, 11:37 am
  #7  
 
Join Date: Nov 2013
Location: LAX, LGB, SNA
Programs: AA EXP OWE, DL DM ST+, AS MVPG, UA, BA, WN CP, Hyatt E, Ritz G, SPG G, HH DM, VX G
Posts: 3,158
There goes my plan of opening different Plats and getting the bonus and canceling to get the AF refunded.
hiima is offline  
Reply With Quote
Old Jul 26, 17, 11:38 am
  #8  
 
Join Date: May 2009
Location: TXL/EWR
Posts: 411
Originally Posted by slickvik View Post
Good, gift cards are abuse for a big population of people. Spend should be legit who really buys gift cards regularly besides for a gift for someone?
People who live near supermarkets that have gas points programs, for starters. Also, lots of retailer gift cards are regularly offered at discounts.

Now if you are referring solely to prepaid Mastercard, Visa, Amex... I'd say almost nobody buys them otherwise, judging by the date codes on the packages of stores that never do promotions.
Bigzamboni is online now  
Reply With Quote
Old Jul 26, 17, 11:40 am
  #9  
 
Join Date: Mar 2008
Location: Austin (TX)
Posts: 305
Originally Posted by WWads View Post
I will say though that it was Amex's fault that a reusable link was even generated in the first place. If they're worried about abuse, make all non-public links usable one-time only.

Keeping an eye out for the inevitable r/churning meltdown thread.
It is a sad state of affairs that a company has to now have some devious individual in the room to help explain all of the ways that an offer can be milked, gamed, scammed in order to try and close all of the loopholes to an offer...
michelle227 is offline  
Reply With Quote
Old Jul 26, 17, 11:47 am
  #10  
 
Join Date: Apr 2017
Programs: AA, DL, Avis, Enterprise, National, IHG, HH, SPG/MR
Posts: 1,780
So they're doing something about people stealing from them... Good. I hope this catches on with all cards.
kb9522 is offline  
Reply With Quote
Old Jul 26, 17, 11:51 am
  #11  
 
Join Date: Jun 2014
Location: DSM
Programs: UA GS, BA Gold, AA EXP CKnomore, AB Gold joker
Posts: 291
" - if you cancel or downgrade your account within 12 months after acquiring it"

how is that going to work after MR points have been transferred to partners and a card is cancelled after 11 months before the 2nd year AF hits?

I think the intent is to clamp down on 1st year AF dodging, RSVP codes, MS and such, which make sense. Stop blatant abuse.
tonykline1947 is offline  
Reply With Quote
Old Jul 26, 17, 11:54 am
  #12  
 
Join Date: Mar 2010
Location: SAN
Programs: Hyatt Explorist, American Air, National Car
Posts: 1,051
Originally Posted by tonykline1947 View Post
" - if you cancel or downgrade your account within 12 months after acquiring it"

how is that going to work after MR points have been transferred to partners and a card is cancelled after 11 months before the 2nd year AF hits?

I think the intent is to clamp down on 1st year AF dodging, RSVP codes, MS and such, which make sense. Stop blatant abuse.
They give the customer a huge negative balance, and a letter saying to buy them back to even zero at the purchase price (3 cents?)

Then they close the account and ban the customer. If they want to make an example, they can go to court
4aks is offline  
Reply With Quote
Old Jul 26, 17, 12:22 pm
  #13  
 
Join Date: Aug 2012
Location: VPS
Programs: IHG Spire
Posts: 3,078
Originally Posted by slickvik View Post
Good, gift cards are abuse for a big population of people. Spend should be legit who really buys gift cards regularly besides for a gift for someone?
My local grocery chain (Publix) typically runs a 2x a month promotion where you can buy a $50 gas card for $40 with a $50 grocery purchase. We end up buying pretty much all our gas at a nice discount that way. Plus, no worrying about the card skimmer criminals when you pay at the pump with a fairly small prepaid card. (Seems like 90% of the people I know who have had a credit card number stolen had it happen at a gas station outside card reader)
beachmouse is offline  
Reply With Quote
Old Jul 26, 17, 12:35 pm
  #14  
 
Join Date: Jan 2008
Location: Georgia
Programs: DL MM & DM; Marriott, AmEx, Chase, Cap1
Posts: 753
My interpretation is that this covers their behind with the law and government agencies for what they already started to do last year. If you haven't already been caught by one of their audits, and you haven't gotten more aggressive than "gaming" the system by following AmEx's own rules, then I think you'll be fine.
safigan is offline  
Reply With Quote
Old Jul 26, 17, 1:05 pm
  #15  
 
Join Date: Nov 2013
Programs: AA Gold, Avis President's Club, Hertz President's Circle, Global Entry, SPG/Hilton Gold
Posts: 1,382
The only thing I take umbridge with is the "close or downgrade within 12 months" in their sole discretion. Plenty of legitimate users get a new product, use it for a year and decide if the benefits were worthwhile.

I'm only 6 months into my first year with a Platinum card and I'm not completely sold. I signed up at a $450 AF and now it's $550 for a Platinum, and I have only used PP twice, so maybe I don't get that much value out of the card. Now if I cancel for legitimate reasons, I have to worry about them clawing back the bonus?

I think it's shortsighted to have that terminology in there. If 50,000 MRs is the acquisition cost of new business, let them take the gamble. I get why no company wants to pay out the bonus to folks like TPG readers who are just gaming the system for flights. In Amex's history though, isn't the welcome bonus roughly the value of the AF?

Ultimately, the card needs to be used for Amex to make money. So the way I think it should be done, is they should increase the annual spend but spread it out. For example: "Spend $2000 every three months in the first year. Welcome bonus will be applied after six months but may be forfeit if the periodic spending requirement is not reached before the renewal, cancellation, or downgrading of the card."
Gig103 is offline  
Reply With Quote

Thread Tools
Search this Thread