What happens to my 241 if I downgrade to basic BA Amex card?
#1
Original Poster
Join Date: Jan 2011
Location: UK
Programs: BA Gold
Posts: 855
What happens to my 241 if I downgrade to basic BA Amex card?
I have trip to NY booked with a 241 in August and suspect (hope) it will be cancelled. I have a the British Airways Amex Premium Plus card and the 241 voucher was earned in November 2019.
If I do not renew my BA Amex card in July and the flight in August is cancelled, what happens to the voucher, can I still use it and will it still have what's left of 2 years (plus 6 months extension?) to use it?
Also, similar scenario but what happens if I downgrade to the free BA card?
If I do not renew my BA Amex card in July and the flight in August is cancelled, what happens to the voucher, can I still use it and will it still have what's left of 2 years (plus 6 months extension?) to use it?
Also, similar scenario but what happens if I downgrade to the free BA card?
#2
Join Date: Jul 2011
Location: LHR / LAS
Programs: BA GfL, GGL/CCR
Posts: 2,409
Generally speaking you are supposed to use the amex card to pay taxes when using the 241 voucher. I have on occasion been asked by BA agent, to use the same card, but not always.
I don't know how strict ba are though on that. I'm sure others will tell you shortly. If they are strict, then get a voucher instead of a refund, if flight is cancelled.
I don't know how strict ba are though on that. I'm sure others will tell you shortly. If they are strict, then get a voucher instead of a refund, if flight is cancelled.
#3
Join Date: Jul 2011
Programs: BAEC Gold, Marriott Plat
Posts: 686
I have trip to NY booked with a 241 in August and suspect (hope) it will be cancelled. I have a the British Airways Amex Premium Plus card and the 241 voucher was earned in November 2019.
If I do not renew my BA Amex card in July and the flight in August is cancelled, what happens to the voucher, can I still use it and will it still have what's left of 2 years (plus 6 months extension?) to use it?
Also, similar scenario but what happens if I downgrade to the free BA card?
If I do not renew my BA Amex card in July and the flight in August is cancelled, what happens to the voucher, can I still use it and will it still have what's left of 2 years (plus 6 months extension?) to use it?
Also, similar scenario but what happens if I downgrade to the free BA card?
Downgrading is very easy and quick. It took me about 5 minutes on the phone and the replacement card arrived a week later. I suggest you just do it now and you’ll get a few quid back on the fee too.
#5
Join Date: Mar 2017
Location: Lincolnshire, UK
Programs: BA GGL - maybe only briefly!
Posts: 1,378
The rules don't actually say 'the original Amex card' - although it could be implied.
We cancelled and re-booked a 241 trip (pre-Covid) after the original card had been cancelled. Everything was refunded with no problem, although we had to get Amex to shift the refund from the closed card to our current one. The re-booking was done with the original voucher and fees were paid from the new card without any issues.
BTW, if you intend to 'downgrade' to the free card you don't have wait until the renewal date - you can do it any time and with Amex you get a pro-rata refund of the card fee.
Editted to add: You can also cancel the trip yourself if you wish, although you would lose £35pp as a cancellation fee. Clearly, if you wait until the flights are cancelled you would get it all back - but they might not be cancelled. But - depending on when (or if) you want to re-book, the sooner you get the points and 241 voucher back, the sooner you can re-book, with maybe more chance of availability.
All Taxes, Fees and Charges must be paid for using the British Airways American Express Card.
BTW, if you intend to 'downgrade' to the free card you don't have wait until the renewal date - you can do it any time and with Amex you get a pro-rata refund of the card fee.
Editted to add: You can also cancel the trip yourself if you wish, although you would lose £35pp as a cancellation fee. Clearly, if you wait until the flights are cancelled you would get it all back - but they might not be cancelled. But - depending on when (or if) you want to re-book, the sooner you get the points and 241 voucher back, the sooner you can re-book, with maybe more chance of availability.
Last edited by vintagepilot; May 11, 2020 at 3:45 am
#6
Join Date: Feb 2020
Location: London
Programs: BAEC - Silver
Posts: 70
is there any impact on credit limit when you downgrade? I had hoped to buy a house later this year, and although it's likely to be 2021, I still don't want to take any unnecessary hits to my credit score right now.
#7
Join Date: Jul 2011
Programs: BAEC Gold, Marriott Plat
Posts: 686
They do say they go through the process of re-approving you but I can’t believe that’s what happened in my case. My credit limit stayed the same. I have had an Amex for a decade now though
#8
Join Date: Oct 2007
Posts: 4,648
I downgraded this morning. According to the agent the account number, pin, etc. all stays the same, but I didn't ask about the credit limit. Does it count as a new credit application and have an effect on your credit score? I don't know, but I've just checked my account and the downgrade is already showing and the credit limit is the same so I suspect not.
#10
Original Poster
Join Date: Jan 2011
Location: UK
Programs: BA Gold
Posts: 855
I downgraded, credit limit stays the same (I asked) and interestingly if/when I decide to go back to the premium card then 241 spend will transfer to the Premium card i.e. if I spend £14k on the basic card, as soon as I upgrade I will receive a 241 voucher immediately… Also called Amex Platinum with a view to cancelling and they are actually offering an incentive in the form of Rewards. I may still cancel if the lockdown looks like it will continue (I will review July/August when hopefully we will know more about SARS-CoV-2) and the 2 Avios per/£1 spend is a good deal... I should add that customer service with AMEX is invariably excellent...
#11
Join Date: Oct 2007
Posts: 4,648
I downgraded, credit limit stays the same (I asked) and interestingly if/when I decide to go back to the premium card then 241 spend will transfer to the Premium card i.e. if I spend £14k on the basic card, as soon as I upgrade I will receive a 241 voucher immediately…
Also called Amex Platinum with a view to cancelling and they are actually offering an incentive in the form of Rewards. I may still cancel if the lockdown looks like it will continue (I will review July/August when hopefully we will know more about SARS-CoV-2) and the 2 Avios per/£1 spend is a good deal...
I couldn't agree more. They've always been brilliant.
#12
Join Date: Jul 2019
Programs: BAEC Bronze, Mucci recipient
Posts: 1,786
#13
Join Date: Oct 2007
Posts: 4,648
I forgot about that particular benefit coming my way at renewal along with the metal card (which I would probably have to stop carrying because all I carry is three cards and max £20 cash in the back pocket of my jeans). I guess I'll be saving even more than I thought then.
#14
Join Date: Jun 2014
Posts: 323
I downgraded this morning. According to the agent the account number, pin, etc. all stays the same, but I didn't ask about the credit limit. Does it count as a new credit application and have an effect on your credit score? I don't know, but I've just checked my account and the downgrade is already showing and the credit limit is the same so I suspect not.