Chase Clawback of IHG Points
Feb 27, 2014, 8:45 am
#1
Original Poster
Join Date: Oct 2006
Posts: 101
Chase Clawback of IHG Points
Maybe it's common knowledge, but it was a shock to me. I credited a $570 return to my IHG card by mistake. The purchase was originally made on an amex. I had no other card activity for the month, got a credit balance refund from Chase.
Just noticed that there was a points transaction on my ihg statement that said:
VISA SELECT BASE POINTS -570 Points
With all the other programs I have never experienced a point clawback, just that it offsets future purchases.
Surprised they could take points out of the account, I thought once they were deposited it would be out of chase's hands. Could they clawback sign up points in the same manner?
Just noticed that there was a points transaction on my ihg statement that said:
VISA SELECT BASE POINTS -570 Points
With all the other programs I have never experienced a point clawback, just that it offsets future purchases.
Surprised they could take points out of the account, I thought once they were deposited it would be out of chase's hands. Could they clawback sign up points in the same manner?
Feb 27, 2014, 9:04 am
#2
Join Date: Sep 2012
Location: Amsterdam, Asia, UK
Programs: IHG RA (Spire), HH Diamond, MR Platinum, SQ Gold, KLM Gold, BAEC Gold
Posts: 5,072
Maybe it's common knowledge, but it was a shock to me. I credited a $570 return to my IHG card by mistake. The purchase was originally made on an amex. I had no other card activity for the month, got a credit balance refund from Chase.
Just noticed that there was a points transaction on my ihg statement that said:
VISA SELECT BASE POINTS -570 Points
With all the other programs I have never experienced a point clawback, just that it offsets future purchases.
Surprised they could take points out of the account, I thought once they were deposited it would be out of chase's hands. Could they clawback sign up points in the same manner?
Just noticed that there was a points transaction on my ihg statement that said:
VISA SELECT BASE POINTS -570 Points
With all the other programs I have never experienced a point clawback, just that it offsets future purchases.
Surprised they could take points out of the account, I thought once they were deposited it would be out of chase's hands. Could they clawback sign up points in the same manner?
Whilst IHG can alter your points by subtracting, I am sure others can only credit IHG accounts. Surely the CC company have to ask IHG to debit an account?
Feb 28, 2014, 10:15 am
#3
Flyertalk Evangelist and Moderator: Coupon Connection and Travel Products
Join Date: Jul 2000
Location: Milton, GA USA
Programs: Hilton Diamond, IHG Platinum Elite, Hyatt Discoverist, Radisson Elite
Posts: 19,040
I believe this has been in every credit card agreement I have gotten... they have the right to credit back points you received. I have always seen it balanced each month... usually I have enough new charges to balance out any credits during the billing period. However, I recall two instances... once with Amex and once with Chase, where I had a negative balance at the end of the billing period. In both cases, they took points back from my account.
Seems totally fair to me....
Seems totally fair to me....
Feb 28, 2014, 11:09 am
#5
Join Date: Feb 2005
Location: MD/DC
Programs: Hilton Diamond, IHG Platinum, Marriott Titanium, TK Gold
Posts: 1,536
Chase Clawback of IHG Points
This is the norm. Nothing special about that. If you have a negative balance you will "get" negative points.
Usually the term claw back is reserved to the credit card company taking back bonuses if the requirements of getting them were not met (multiple cards, not open for long enough etc.).
What you describe is just a normal course of business.
Usually the term claw back is reserved to the credit card company taking back bonuses if the requirements of getting them were not met (multiple cards, not open for long enough etc.).
What you describe is just a normal course of business.
Feb 28, 2014, 11:36 am
#6
Join Date: Sep 2010
Programs: AZ FA+, A3 G, AB G | IHG RA, HGP D, FPC P, Accor P, BW D, HH D, Eleva, GHA P, 1862 Voyager
Posts: 1,852
slightly OT:
But does this work for all credit cards - a hotel recently overcharged me but refunded the payment to my Amex on file (I paid with a MasterCard).
In my MR statement it shows that a deduction of MR points cause of the credit. Is this the way it normally works? Hardly fair isn't it?
I can understand a deduction if it was for crediting a recent transaction that was charged to the card - e.g. returns on clothing.
But if there was no prior charge for this transaction why should they deduct my MR?
But does this work for all credit cards - a hotel recently overcharged me but refunded the payment to my Amex on file (I paid with a MasterCard).
In my MR statement it shows that a deduction of MR points cause of the credit. Is this the way it normally works? Hardly fair isn't it?
I can understand a deduction if it was for crediting a recent transaction that was charged to the card - e.g. returns on clothing.
But if there was no prior charge for this transaction why should they deduct my MR?
Feb 28, 2014, 12:34 pm
#7
Join Date: Dec 2004
Location: AUS
Posts: 690
Chase steals points or miles this way whenever someone adds funds to a card. (I had this happen 8 years ago.)
You may be able to contact AmEx customer service and get the MR points back, lsed, or at least request an explanation.
You may be able to contact AmEx customer service and get the MR points back, lsed, or at least request an explanation.
Feb 28, 2014, 1:18 pm
#8
Join Date: Feb 2005
Location: MD/DC
Programs: Hilton Diamond, IHG Platinum, Marriott Titanium, TK Gold
Posts: 1,536
Because it makes sense. Every transaction carries with it the appropriate MR credit. You had a negative transaction amount therefore you got negative MR amount.
Think about it from the big picture - you did not ask the other credit card to take back the points you got from paying with it. It is a zero sum game, even if it does goes over credit cats. Maybe next time ask them to cut you a check?
Think about it from the big picture - you did not ask the other credit card to take back the points you got from paying with it. It is a zero sum game, even if it does goes over credit cats. Maybe next time ask them to cut you a check?