AMEX Bonvoy Brilliant "forfeited" points!?
WHAT is the deal with this? I saw I had like 16,000 forfeited points because I paid my bill ~2 weeks after the billing period ended (simply forgot). So I pay the full bill...I pay the "late fee" then they want to charge another fee on top to "reinstate" the points you earned? This is nonsense. Shouldn't the late fee be the penalty?
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Have you tried calling Amex? IME it’s usually straightforward to get fees waived when a good customer forgets a payment once in a while. |
Originally Posted by GetSetJetSet
(Post 30999527)
.... late fee be the penalty?
https://www.americanexpress.com/cont...03-28-2019.pdf If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $27. If this happens again within the next 6 billing periods, the fee is $38. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. If the Minimum Payment Due is not paid by the Closing Date of the billing period in which it is due, you will forfeit the Points you received for eligible purchases during that billing period. For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the close of your next billing period on February 15, then you will not earn Points for spend in the billing period ending February 15. You may reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. |
Originally Posted by WrightHI
(Post 30999810)
Have you tried calling Amex? IME it’s usually straightforward to get fees waived when a good customer forgets a payment once in a while. |
Originally Posted by GetSetJetSet
(Post 31000231)
...., perhaps I should reconsider our 15+ year relationship and move my business elsewhere.
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Originally Posted by mia
(Post 31000237)
Or perhaps you should enable one of the automatic payments options as a failsafe.
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Are the points lost by the OP worth the $35 reinstatement fee? |
Originally Posted by GetSetJetSet
(Post 31000231)
You'd think so, but the obstinate woman on the phone was not very understanding. If extorting me $35 is the hill AMEX wants to die on, perhaps I should reconsider our 15+ year relationship and move my business elsewhere.
Originally Posted by MSPeconomist
(Post 31000252)
Are the points lost by the OP worth the $35 reinstatement fee? |
Originally Posted by Diplomatico
(Post 31000720)
Is $35 the "hill you want to die on".....??? AMEX didn't screw this up - you missed the payment, right?
At just one cent per point, 16,000 points is $160. So, yeah, I think so. |
Originally Posted by GetSetJetSet
(Post 31000920)
if AMEX wants to ruin a 15+ year relationship over $35 they're welcome to
Maybe they'll give you a courtesy waive or two. Or you can send it as a "reader mistake story" to one of the bloggers for a chance to win a gift card haha. |
Originally Posted by buylowsellhigh
(Post 31000976)
I'm sorry but we're just numbers to Amex and basically all credit card companies... even if you spend millions a year they're probably not going to notice that you moved over to chase... just saying, lol. Its a lame rule, but in this game we basically need to pay by the rules to maximize our points.... the only loyalty to Amex (or any cc company) is whoever that gives the best bonus spend, and then the card gets switched out, lol.
Maybe they'll give you a courtesy waive or two. Or you can send it as a "reader mistake story" to one of the bloggers for a chance to win a gift card haha. |
Originally Posted by GetSetJetSet
(Post 31000251)
No thanks.
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I don't like autopay because I like to review my bill and make sure that I actually charged everything on there. More than a few times/year there are discrepancies and it's a lot easier to have the charge removed before you pay the bill, than to pay then try to claw back $ after the fact. I always pay my balance in full.
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Originally Posted by GetSetJetSet
(Post 31003582)
.... I always pay my balance in full.
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Originally Posted by GetSetJetSet
(Post 31003582)
I don't like autopay because I like to review my bill and make sure that I actually charged everything on there. More than a few times/year there are discrepancies and it's a lot easier to have the charge removed before you pay the bill, than to pay then try to claw back $ after the fact. I always pay my balance in full.
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