Click here to learn more and apply for the current offer.". I've already had the $300 credit posted to my account, but I'm not sure how I get that money. All discussion about the Amex Platinum should go here. Platinum Cashback Everyday Credit Card. One year anniversary this month and I'm traveling out of SFO to Europe. If I use the uber credits and airline credit, it's deducted from the original card holder's credit? All this with a reduced first-year annual fee of $199. Rendered by PID 18209 on r2-app-0596255844d2e964d at 2021-02-14 10:08:22.696908+00:00 running 6289523 country code: US. I have a buddy who works as a credit card rep and he tells me all the time how people call after they get their sign up to close their account and then tell him," Haha - I just fucked your company in their ass! Now imagine you might have been that CSRs third or fourth churner style cancellation that week and he's seeing his retention numbers take a hit....and now you're questioning about when and how you're getting your pro-rated refund as if Amex isn't going to honor their obligations. I cancelled the AMEX platinum today after getting one last $200 airline score. It's a two-way street. Hell, they might even have extended a retention offer to him. [–][deleted] 0 points1 point2 points 4 years ago (0 children). I don't think it's "unethical", but there are definitely risks associated with that behavior and you need to understand them before you act. I guess thats how they refund it, [–]mnCO 8 points9 points10 points 5 years ago (2 children). at least, this is what i'm pretty sure i read when i looked into amex plat the last time, [–]mk712SFO 1 point2 points3 points 5 years ago (1 child). Old AmEx Platinum megathread. I still have an active AMEX blue account too so I'm still an AMEX customer, [–]imnotminkus 0 points1 point2 points 5 years ago (1 child). But he didn't let me follow up: How do I receive the prorated refund? I booked a few flights on it as well. They get whacked - not because they were not smarter or better employees. Also I didn't stop usage immediately after my 100k. American Express PLATINUM – 60,000 MR points, $200*2 travel credits, priority pass ($699 fee). The terms on American Express cards state (emphasis ours): If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with the welcome offer in any way or that you intend to do so … $450 increased to $550 AF But I find the fact that he hung up after u asked for pro rated AF discount to be sadly hilarious. It is because they did not understand or care that everyone offers different levels of value in helping or hurting their career. I mean really?! This is why many people recommend against canceling until the first year is up. The CSR probably shouldn't have been rude and been more professional, but you're blatantly taking advantage of them. I have now a -224.34 balance on my card, [–]vngbusa 1 point2 points3 points 5 years ago (2 children), [–]trilll 0 points1 point2 points 5 years ago (1 child), amex lets you cancel easily over chat? That's a legitimate reason to close the card right? use the following search parameters to narrow your results: and join one of thousands of communities. Is it also unethical to downgrade to the green card after receiving the 100k? Do the math. The CSR shouldn't have been rude, nor hung up on you, that is decidedly uncharacteristic of Amex CSRs. New Cardmember offer: Earn 5,000 bonus Avios when you spend £1,000 in your first three months of Cardmembership. So even if the expiration date of what was given to you is far into the future, yes it can still be clawed back when closing a card. 1) You'll get your refund 2) Could happen, yes but unlikely 3) no. Was the prorated $200 worth the risk of a blacklist? Reply. Here are a few examples of the concierge’s powers, pulled from a recent reddit thread: “12 friends and I walked up to a nice restaurant hoping to have dinner. For example if Spotify is 999 and Hulu is $11.99 then you would get $20 back per month. Founded in 1850, American Express is a financial services company that is best known for its … So cancelling right after you have basically "got yours" shows you lack situational awareness. If you freeze an AU card, does lounge access still work? Amex MR FAQ. I’m now 2.5 months into my 3 months minimum spend period for the American Express (AMEX) Platinum card (referral link). Thank you for your Card Membership. Learn More. While I don't know about which hotel he's talking about specifically, I know that Amex clawed back the unused Gogo passes I had through my Biz Plat just weeks after I closed the card. Does AMEX ever report back to those hotels to downgrade me? Plus, earn 10x points in the first 6 months on eligible purchases at U.S. Gas Stations and U.S. Supermarkets (on up to $15,000 in combined purchases). Lets get off our high horse here. Is this still the case? I cancelled the AMEX platinum today after getting one last $200 airline score. Business Platinum AF is still at $450 and no Uber credit. Apr 4, 2019 #305 Lynda2475 said: I cant even get my … We haven’t found any confirmed reports of getting the bonus, but it appears likely that it will work. No new standalone threads will be permitted without mod approval. This single post saved me $40 a month! How to maximize the value of the Amex Platinum. Posted by. They didn't make any mention of it during the cancellation process so I asked and got a snarky response. No, but he is human and has the ability to make that dickhead caller's life hell in getting a card with that company in the future. According to Dans Deals, AmEx will be tightening the screws when it comes to people who attempt to earn multiple sign up bonuses for the same credit card (often referred to credit card churning).Starting from May 1st, 2014 consumers will only be able to earn the sign up bonus for each card once. It's worth remembering that many CSRs are bonused or evaluated based on their retention numbers. The more people who churn, the faster you will all be able to fly. Not sure what they do by default, but if you log into their site, go to account services, inquiry and dispute center, open a new inquiry, "I have a credit balance on my account", and it says you can either request a check or transfer the credit to another Amex account. AFF Supporters can remove this and all advertisements. One nice thing about these pre-approved green star no lifetime language referrals is that, once approved, you can get a virtual card number and instantly refer others. Best I had before that was 75k via incognito. [–]jakethemilkman 0 points1 point2 points 5 years ago (1 child). Enjoy $200 to spend on travel each year. That was my plan. In Jan I got in on the 100K platinum card bonus. am i out of luck for amex plat 100k? Yes, have cancelled multiple amex cards via chat. Although we don't have the same gamut of credit card opportunities as our neighbors to the south, there's still a wealth of bonuses available for the taking. I have a couple questions: I asked about a prorated refund of the $495 annual fee. [–]trilll 0 points1 point2 points 5 years ago (0 children). Posted in Credit Cards 21 Comments « Previous Article. Either way that sounds like a rough call but no shame right haha, [–]awval999 -1 points0 points1 point 5 years ago (0 children). Get a prorated refund of the difference while still keeping the card in some form. Press question mark to learn the rest of the keyboard shortcuts. The American Express Personal Platinum card (and it’s variations) ... from the comments and reddit thread mentioned above. Fuck you too.". Apologizes for the rant - but this is not hard unless you make it that way. My understanding is that only happens if there is a manual review triggered by something else besides simply opening the account. Amex has done 100k Platinum offers in the past and this offer wasn’t a novelty, but it seems that this particular 100k Platinum offer was meant as a targeted link to specific people, not a temporary offer for the public. The American Express Rewards Abuse Team (RAT) seems to be cracking down on people who have closed credit or charge cards within 12 months of them being opened. i tried the incognito method and searched for prequalified offers. Its certainly going to be interesting situation in Aug/Sep when hordes of people call in to cancel their Plats and PRGs. Come on, closing the card after only 6 months and after having completely stopped using it as soon as you received the 100k points and the 2 x $200 in airline reimbursements, it doesn't matter what you say, they're not stupid. The Platinum Card® from American Express - There's currently a new welcome bonus offer of 60,000 75,000 Membership Rewards Points after spending $5,000 on purchases in your first 6 months of Card Membership. that can be used on eligible flights, hotels, care hire or experiences when booked through American Express Travel 1. Leaked 100K link thread over Thanksgiving, Leaked 100K link thread back in March 2016, Bloomberg Article about the recent 100K leaked link, How to maximize the value of the Amex Platinum, Edit: Amex has updated the Personal Platinum cards as of March 30th, $15 Uber credit per month ($20 in December), 5x on hotels through Amextravel.com to go along with the 5x on airlines directly and Amextravel.com, Centurion and Priority Pass lounge access are limited to cardholder and 2 guests. AMEX churning gameplan. Starting with the Amex Personal Platinum vs. Business Gold also allows you to maximize your referral points bonus from your friends, family, and colleagues. Learn More. [–]mk712SFO 3 points4 points5 points 5 years ago (4 children). [+]mr_rob_oto[S] comment score below threshold-6 points-5 points-4 points 5 years ago (2 children), Thats what I was wondering. Matt says: July 1, 2015 at 4:26 pm I think I’m going to cry. American Express | Membership Rewards - Churning AMEX Credit Cards - Hi, I know there is a "2 years period" for amex card churn. American Express Customer Care, [–]chuckymcgee -4 points-3 points-2 points 5 years ago (3 children), [–]mr_rob_oto[S] -3 points-2 points-1 points 5 years ago* (2 children), I asked about the prorate and his response was: "You only opened this card for the 100K points didn't you?" What I am doubting is your claim (which seems logical) that they should earn 2x on restaurants simply because the regular Gold card earns 2x on restaurants, without actually backing up the claim with any datapoints. AMEX churning gameplan. When I called to check on the specific date there was a … I still have my travel credit for this year (though they closed the amazon GC loophole) and use Uber all the time so this is a no-brainer for me. Close. if thats the case i can see how thats a bit better, but you're still pretty much getting away for free without paying the second AF of course, [–]hEnigma 0 points1 point2 points 5 years ago (0 children). i know some other cc companies make/want you to call in, if chat works for them that would be great, since i probably need to cancel my plat and prg before my second year starts..the AFs aren't going to be worth it for me since i signed up for the MR points and to double dip the airline credits the first year to be completely honest, [–]vngbusa 0 points1 point2 points 5 years ago (0 children). These people aren't robots. He said you won't and ended the call. The Amex Platinum’s concierge service is legendary. Share this: Facebook; Twitter; Reddit; Print; Related. Is it right that he does that? When you apply online, are approved and spend $3,000 on your new … the streaming service benefit can be in two separate transactions. The American Express Platinum Card offers a higher level of benefits than American Express Green and Gold Cards. (I did not double dip w/ the Gold like some of the brave FTers who got 150K) Paid the $450 AF as it was … I also know that Chase claws back the Marriott Gold status earned through the Ritz Carlton card if you close it. To receive your 60,000 Amex MR welcome bonus you will need to spend $5,000 in a 3 month period. From the looks of things, Amex may decide to roll out more changes to stop churners. do i need to ask for the prorated refund when I cancel my card? What do you think he going to do with their account? From one-time welcome bonuses, to referrals points, to real churning, this is the place to discuss Canadian banks and credit cards. Finally I tried my SO's SSN and screwed with her name and boom, 100K Plat first try. My question to him was do I get one. Sure there are consequences to your actions like if you do a lot of money orders, you bank might get shut down. Even circles and arrows bow tie man himself says to keep the card for 11 months. Bloomberg Article about the recent 100K leaked link. I intend to keep the card open until just before the next AF kicks in, but did I blow my shot at a 2nd $200 airline credit (or will I have to get crafty on New years day?) So who wins? The Platinum Card® from American Express also provides access to the Platinum Concierge that can help you make travel arrangements and book hard-to-get reservations to restaurants and events. Is it not enough that you get 100,000 MR for a net fee of $50? Restaurants: 1x: 4x (8% return)** (restaurants worldwide) U.S. supermarkets: 10x (on up to $15,000 in combined purchases, during your first 6 months of Card Membership. you cancel the card in Jan? If you think i should be doing something differently please share! Thrifty Point’s Tips to Maximise the Platinum American Express. Amex Platinum Churning Restrictions: Why This Matters. I fear I'd not get the reimbursement in time before canceling the card. He then said well AMEX has already given me $1200 worth of benefits with this card but yes you'll get your refund (with the tone of I'm being a greedy bastard), But because of this abuse you understand that you'll never be elgible for an AMEX offer again? Click on "here" and you'll be brought to the page. Next Article » Comments. Here is what worked for me to get the 75,000 point offer. This part of rankt was developed for the reddit community https://www.reddit.com/r/churning The benefits include a point reward system, four free companion airline tickets per year, airport club access and round-the-clock Platinum Card Concierge service to assist with travel and gift purchases. In the future what would have been the best response considering I did not want to pay $495 for a second year: [–]ChetWomplestein 2 points3 points4 points 5 years ago (0 children). What the CSR did was wrong, but they are human not robots. Amex Business Platinum 100K offer thread. I am almost tempted to hold the card for 3-4 months into the 2nd year for that sake alone. And besides, the entire hobby revolves around opening and closing accounts, which one can argue is "unethical" in itself. Archived. [–]hdatontodo 1 point2 points3 points 5 years ago (0 children). To me no, that's why I plan to keep my Amex Plat until 11.5 months. It can help you make travel arrangements, secure hard-to-get dining reservations, or book event tickets. American Express Concierge. The smart employee that works hard but treats people like shit or the idiot employee that is lazy but knows how to build relationships with others? [READ: List of Churnable Credit Cards]. American Express | Membership Rewards - Amex churning Gold to Platinum (UK) - I'd like to use Platinum FHR for a trip in a couple of weeks, but I won't be out of my 6 months MR free period until after the trip as I had Gold in March. This is the correct response. In most cases it's a moot point since the AF is waived the first year so you might as well wait, but in the case of the Platinum with a high AF, not waived and with a prorated refund, I can understand why some are thinking about it. EDIT: Answer is it shows up on the account. He said in his rant that AMEX will forever block me from getting any offers because of the way I abused this offer. B. burmans Senior Member. Amex clawback for canceling early. paging /u/sirtheta easy way above this comment to pull up SPG 30k, Plat 75k, PRG 50k, Green 25k, EDP 30k, BCE $300, BCP $250, No luck here...I got 60k offer using incognito. She's only 2/24 right now so I don't want to waste a slot on this quite yet. Not a single person from that thread mentioned AMEX Plat. You should get the annual fee back on a prorated basis. British Airways American Express ® Credit Card. Am I the only one that thinks cancelling well before a year is sorta unethical? AMEX Platinum gave me gold status in various hotel chains. Thanks for the response. Cancel in the 11th month basically getting no refund. They don't owe you shit, if you don't give them good business. I only had a 66 cent balance when I closed the account and already EFT that to settle the account. The AMEX rep was rude and basically hung up on me after he realized I was a heavy spender until I got my 100K points then I basically stopped using the card. Disclaimer: By using a referral link on this site you understand that the person whose referral you are using may receive a bonus from the credit card issuer for your application. I spent around $3000, so I should get $100 off from Amex Platinum + $300 from Amex Gold offer + 12,000 Amex pts from the Gold card + 45,000 Amex pts from eBates + $75 Dell gift card (bonus from one of their deals) + 3% or $90 back in Dell rewards. The Qantas Premier Platinum Card delivers up to 100k Qantas Points, 75 bonus Status Credits, complimentary lounge invitations and travel insurance. Most people really do not care about their bosses or co-workers, but those that prosper and grow in their career are those that understand that the long term health of the relationship between bosses and co-workers benefit them 10x over. My credit score/history is better than hers, but she has a 6 figure income so I believe that helps tremendously. Not to mention the lounge access, SPG status etc... [–]RingSlayer 0 points1 point2 points 5 years ago (1 child). Guess what happens when a re-org or downturn occurs? spoke to American Express and they confirm you do not have to do anything to get these benefits. In my opinion, they don't have to be nice to you. I'm sure if he had kept spending at the same rate after he received his signup bonus the outcome would have been very different. as an FYI to others, this works to pull up the other Incognito offers. New Cardmember offer: Get 5% cashback on your purchases (up to £100) for the first three months of Cardmembership . https://www.americanexpress.com/us/credit-cards/personal-card-application/terms/platinum-charge-card/36501-10-0/?pznOfferCode=PJ1W-5RSR2G-3DCQ-HSK&print#offerBenefitTermsDisclosures, https://www.americanexpress.com/us/credit-cards/personal-card-application/platinum-charge-card/36501-10-0/?pznOfferCode=PJ1W-5RSR2G-3DCQ-HSK&print#offerBenefitTermsDisclosures. Representative 22.2% APR variable. Figured I'd call to see when the latest I could cancel was (so I could use the lounge). [–]thetallerone 1 point2 points3 points 5 years ago* (1 child), But it is true. Double check for exact grace period, [–]sftravelhacker 4 points5 points6 points 5 years ago (0 children). The American Express Explorer ® Credit Card. Can you do that without incurring another charge? Hey guys! Previously the language on the application pages has stated: [–]SJ0 3 points4 points5 points 5 years ago (3 children). Or was that something that was happening during the leaked link chaos? I already got notice that my Hilton Gold is being rescinded. They all play a role and each hold an important part in making this hobby fun or a real pain in the ass. If you're not flying Delta, do you still get the discounted $29 SkyClub lounge entry, or do you have to pay full price? Days later, I got an email that they were mailing me a check since there was a $0 balance on the Everyday card. If yes, it would be a good way to just give out lounge passes without the risk of charges coming up. i get what you're saying but if you don't cancel, you're essentially not benefiting, at least from the standpoint that most of us on this sub would probably take since the goal is to maximize benefit from cc/bank offers.