Business Platinum (USA) Dell benefit.
Jan 7, 2020, 7:33 pm
#121
Join Date: Jan 2020
Posts: 3
I've had AMEX Biz Plat the last 2 years. My annual fee just posted on 12/24, going up from $450 to $595, so I'm planning to cancel the card this month. Before canceling, I'd like to take advantage of the $100 Dell credit as well as the $200 airline credit for 2020.
But if I make the purchases and get the credits this week and then cancel the card 2 weeks later to avoid paying the AF, am I risking clawbacks of these credits, or shutdowns of my other AMEX cards, or should I be safe if I've had it open and paid AF the past 2 years?
I know it's not safe to play games with AMEX sign-up bonuses, but I don't see anything in the T&C that would be an issue for using these credits. But considering that they clawed back in November the $9 I made months earlier by stacking the credit with the 10% offer, I'm nervous about their new aggression and don't want to get in trouble with them. Any advice or DP?
But if I make the purchases and get the credits this week and then cancel the card 2 weeks later to avoid paying the AF, am I risking clawbacks of these credits, or shutdowns of my other AMEX cards, or should I be safe if I've had it open and paid AF the past 2 years?
I know it's not safe to play games with AMEX sign-up bonuses, but I don't see anything in the T&C that would be an issue for using these credits. But considering that they clawed back in November the $9 I made months earlier by stacking the credit with the 10% offer, I'm nervous about their new aggression and don't want to get in trouble with them. Any advice or DP?
Jan 7, 2020, 10:18 pm
#122
Join Date: May 2013
Posts: 637
Question:
On January 2nd I purchased something from Dell for $130 with my Business Platinum card
At checkout, it asked me if I wanted to use some of my points, and since I am trying to close my account I used the remaining few points for ~$5 off. So in the end I paid like $125 on the card and like 500 points
Now the weird part:
- The ~$130 charge was pending for several days
- Then, the $5 "pay with points credit showed up"
- Now, for the last 48 hours (5 days since purchase), there is zero sign of the dell purchase. It's not pending, it's not anywhere. But the $5 credit is still there. In other words, the only hint of Dell anything anywhere on my statement is a $5 credit and nothing else.
What's going on? I'm guessing maybe I overcomplicated by paying with points, so there is some sort of manual review to post the payment and make the credit? Or something?
On January 2nd I purchased something from Dell for $130 with my Business Platinum card
At checkout, it asked me if I wanted to use some of my points, and since I am trying to close my account I used the remaining few points for ~$5 off. So in the end I paid like $125 on the card and like 500 points
Now the weird part:
- The ~$130 charge was pending for several days
- Then, the $5 "pay with points credit showed up"
- Now, for the last 48 hours (5 days since purchase), there is zero sign of the dell purchase. It's not pending, it's not anywhere. But the $5 credit is still there. In other words, the only hint of Dell anything anywhere on my statement is a $5 credit and nothing else.
What's going on? I'm guessing maybe I overcomplicated by paying with points, so there is some sort of manual review to post the payment and make the credit? Or something?
Jan 7, 2020, 10:33 pm
#123
Join Date: May 2013
Posts: 637
Question:
On January 2nd I purchased something from Dell for $130 with my Business Platinum card
At checkout, it asked me if I wanted to use some of my points, and since I am trying to close my account I used the remaining few points for ~$5 off. So in the end I paid like $125 on the card and like 500 points
Now the weird part:
- The ~$130 charge was pending for several days
- Then, the $5 "pay with points credit showed up"
- Now, for the last 48 hours (5 days since purchase), there is zero sign of the dell purchase. It's not pending, it's not anywhere. But the $5 credit is still there. In other words, the only hint of Dell anything anywhere on my statement is a $5 credit and nothing else.
What's going on? I'm guessing maybe I overcomplicated by paying with points, so there is some sort of manual review to post the payment and make the credit? Or something?
On January 2nd I purchased something from Dell for $130 with my Business Platinum card
At checkout, it asked me if I wanted to use some of my points, and since I am trying to close my account I used the remaining few points for ~$5 off. So in the end I paid like $125 on the card and like 500 points
Now the weird part:
- The ~$130 charge was pending for several days
- Then, the $5 "pay with points credit showed up"
- Now, for the last 48 hours (5 days since purchase), there is zero sign of the dell purchase. It's not pending, it's not anywhere. But the $5 credit is still there. In other words, the only hint of Dell anything anywhere on my statement is a $5 credit and nothing else.
What's going on? I'm guessing maybe I overcomplicated by paying with points, so there is some sort of manual review to post the payment and make the credit? Or something?
ME: $130 Dell charge went from pending to disappearing. The item has been shipped. WTH?
CS: The charge has been dropped off from the account. The merchant did not submit a claim for this charge.
ME: Uhh..They shipped me an item, why would they "drop" a charge?
CS: They did not drop the charge. The charged has been dropped off. If the merchant submits a claim for the charge, it will show up on your account.
ME: So they can charge me whenever? Like tomorrow or Sunday or next year?
CS: "The merchant can claim a charge within 8 days, as the charge has been dropped it shall not appear."
*to myself: What the *** is even happening? The merchant can "claim" a charge but it "shall not appear?"
Jan 8, 2020, 1:45 am
#124
Original Poster
Join Date: Feb 2012
Posts: 4,477
... if I make the purchases and get the credits this week and then cancel the card 2 weeks later to avoid paying the AF, am I risking clawbacks of these credits, or shutdowns of my other AMEX cards, or should I be safe if I've had it open and paid AF the past 2 years?
Jan 14, 2020, 10:11 am
#131
Join Date: Jul 2014
Programs: Jeff is Deaf
Posts: 541
Purchased an item that was defective right before EOY. Now that I'm in a new period, will I have $200 in Dell credit? Or should I purchase replacement item immediately.
Jan 14, 2020, 10:39 am
#132
Original Poster
Join Date: Feb 2012
Posts: 4,477
I suggest to just keep good records. If you should get a false clawback, you can then easily resolve the confusion with a phone agent.
Jan 14, 2020, 11:18 am
#133
Join Date: Jul 2014
Programs: Jeff is Deaf
Posts: 541
You have a fresh new allowance of $100 now. If you purchase from Dell now, you should get reimbursed up to that amount. There's a small chance that AmEx will mistake your last year's return for this year.
I suggest to just keep good records. If you should get a false clawback, you can then easily resolve the confusion with a phone agent.
I suggest to just keep good records. If you should get a false clawback, you can then easily resolve the confusion with a phone agent.
Jan 14, 2020, 2:32 pm
#134
Join Date: Dec 2019
Posts: 6