Amex Plat AF

[red259]

If I want to avoid the AF on the amex plat when do I need to close it? I know they do pro rata correct? Once the fee hits my account can I close before the statement balance is due and not owe anything? Since I am keeping the prestige card I do not see a reason to hold on to the amex plat as well, Eventually I will pick up the business version down the line. 

[Anonymous]

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@red259 wrote:

If I want to avoid the AF on the amex plat when do I need to close it? I know they do pro rata correct? Once the fee hits my account can I close before the statement balance is due and not owe anything? Since I am keeping the prestige card I do not see a reason to hold on to the amex plat as well, Eventually I will pick up the business version down the line. 

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They dont do pro rated refunds any longer.  Once it hits, you owe it.

[bz386]

No. you have 30 days from when the AF is charged. Once the 30 days pass, the AF will not be refunded.

[Anonymous]

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@bz386 wrote:
No. you have 30 days from when the AF is charged. Once the 30 days pass, the AF will not be refunded.

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You're right, forgot about that provision.  Just no pro rated refunds any longer

[Anonymous]

Does Amex hold grudges against those who purposely close a charge card right before the AF hits? This would be important considering OP wants it back in the future..

[Burned2manybridgesB4]

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@Anonymous wrote:
Does Amex hold grudges against those who purposely close a charge card right before the AF hits? This would be important considering OP wants it back in the future..

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They really don't need to, since they allow one bonus per card per lifetime. No "wash/rinse/repeat" allowed.

[Anonymous]

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@bz386 wrote:
No. you have 30 days from when the AF is charged. Once the 30 days pass, the AF will not be refunded.

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Good to know!!! Thanks.

[red259]

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@Anonymous wrote:

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@bz386 wrote:
No. you have 30 days from when the AF is charged. Once the 30 days pass, the AF will not be refunded.

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You're right, forgot about that provision.  Just no pro rated refunds any longer

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Hmm really glad I asked. Didnt realize they made that change.