Refund for credit balance on account?

Old Apr 2, 20, 1:08 pm
  #1  
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Refund for credit balance on account?

Hi all,
Because of a bunch of cancelled flights being refunded to my Amex personal platinum card, I now have a large negative balance in my account, equivalent to several months of normal spend.

Is there a way to get Amex to refund this money to my checking account? Or do I just have to wait for my normal spend to reduce the balance? I couldn't find anything about this subject on the Amex website.

Thanks very much,
Saunders111
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Old Apr 2, 20, 1:14 pm
  #2  
mia
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See instructions for requesting a refund here: https://www.americanexpress.com/us/c...ce-refund.html
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Old Apr 2, 20, 1:52 pm
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Originally Posted by mia View Post
See instructions for requesting a refund here: https://www.americanexpress.com/us/c...ce-refund.html

Thank you!

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Old Apr 3, 20, 5:14 pm
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They will also refund you automatically after a few months (I believe they are legally required to do so).
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Old Apr 4, 20, 1:05 am
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If you have other AmEx cards, you can also request to have a portion of the negative balance (credit) transferred over to offset any positive balances you may have.
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Old Apr 7, 20, 6:04 pm
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Originally Posted by econ View Post
If you have other AmEx cards, you can also request to have a portion of the negative balance (credit) transferred over to offset any positive balances you may have.
Is that true for both charge and credit cards?

In other words, if one has a credit balance on the Gold card, can it be moved to the Aspire card?
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Old Apr 8, 20, 1:52 am
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Originally Posted by VistaFlyer View Post
Is that true for both charge and credit cards?

In other words, if one has a credit balance on the Gold card, can it be moved to the Aspire card?
In my experience, yes.
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Old Apr 8, 20, 1:54 am
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Originally Posted by VistaFlyer View Post
Is that true for both charge and credit cards?

In other words, if one has a credit balance on the Gold card, can it be moved to the Aspire card?
Go open dispute and select open Request for credit or something Request then put in the exact amount you would like them to cut you the check for. Just did this the other day from an approved dispute with Ortiz. You can always chat with them as well for assistance
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Old Apr 8, 20, 11:32 am
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Originally Posted by econ View Post
In my experience, yes.
Two questions about the big refund to AMEX card:

Do I have to wait until AMEX runs the statement to do the credit transfer from card A to card B? Years ago I was refused to get a check because it hadn't reached the end of statement cycle. I guess credit transfer is different?

Does credit transfer offset the minimal spending required for sign-up bonus or retention offer?

Thanks.
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Old Apr 8, 20, 10:45 pm
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Originally Posted by sfo3388 View Post
Do I have to wait until AMEX runs the statement to do the credit transfer from card A to card B? Years ago I was refused to get a check because it hadn't reached the end of statement cycle. I guess credit transfer is different?
Don't recall, but I probably did wait until the statements posted since I'm usually not in a hurry to do anything until then. LIke previous poster recommended, I used the chat feature to get this done farily quickly, but I'm guessing that nothing happens quickly nowadays based on the experience I had with Citi chat recently (>45 min for a rep to become available)

Originally Posted by sfo3388 View Post
Does credit transfer offset the minimal spending required for sign-up bonus or retention offer?
I can't see why it should, although I have no idea how AmEx has a way of distinguishing this type of credit from say, a purchased item that was returned.
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Old Apr 8, 20, 11:05 pm
  #11  
mia
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Originally Posted by sfo3388 View Post
Does credit transfer offset the minimal spending required for sign-up bonus or retention offer?.
Which card has the bonus, the card that now has the credit balance, or the card to which you wish to transfer the credit?
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Old Apr 8, 20, 11:51 pm
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Will AMEX provide a refund (check) with a credit balance?

A derivative question to the cash refund thread...... So I am encouraged that I should be able to get a full cash refund on a RT ORD-LHR trip for late May through persistence with UA agent when I call to cancel. Amex Plat is the original form of payment, and hence the form of refund, but does anyone know if can get Amex to issue a check for the large credit balance I will have on my CC account? I don't expect I would burn through the credit balance on that card anytime soon, as I place varying charges on specific cards to maximize points. In the current scenario I would utilize the cash refund to pay charges on Chase SR due to other travel expenditures.
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Old Apr 9, 20, 12:34 am
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Yes, I did it twice. Just use the chat feature on their website.
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Old Apr 9, 20, 11:55 am
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Originally Posted by Brostman View Post
A derivative question to the cash refund thread...... So I am encouraged that I should be able to get a full cash refund on a RT ORD-LHR trip for late May through persistence with UA agent when I call to cancel. Amex Plat is the original form of payment, and hence the form of refund, but does anyone know if can get Amex to issue a check for the large credit balance I will have on my CC account? I don't expect I would burn through the credit balance on that card anytime soon, as I place varying charges on specific cards to maximize points. In the current scenario I would utilize the cash refund to pay charges on Chase SR due to other travel expenditures.
I'll be in the same situation when a full cruise refund is posted back to my platinum card. I rather for it to go to my Delta card. I'll be calling them as soon as the credit post.
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Old Apr 9, 20, 1:53 pm
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Originally Posted by Brostman View Post
A derivative question to the cash refund thread...... So I am encouraged that I should be able to get a full cash refund on a RT ORD-LHR trip for late May through persistence with UA agent when I call to cancel. Amex Plat is the original form of payment, and hence the form of refund, but does anyone know if can get Amex to issue a check for the large credit balance I will have on my CC account? I don't expect I would burn through the credit balance on that card anytime soon, as I place varying charges on specific cards to maximize points. In the current scenario I would utilize the cash refund to pay charges on Chase SR due to other travel expenditures.
Update to my post.... I did not see this thread before my post (oiriginally posted under a different thread) so apologize for asking a question already answered...... and as other have indicated, you can login into your AMEX account and "Open a Dispute" and then follow the steps for "Overpayment on Account" to request a refund be mailed to you if you want the cash back. Note that if the account has other charges, the overpayment/credit balance will be the net of the refunds posted net of any outstanding charges on the account.

Last edited by Brostman; Apr 9, 20 at 1:54 pm Reason: grammar
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