Will AMEX refund annual fee within 60 days?

[Anonymous]

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@wiivile wrote:

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@Anonymous wrote:

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@wiivile wrote:

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@Anonymous wrote:
You should expect a pro-rated refund for 11 months - the grace period for full refunds is 30 days. There are no exceptions on a Platinum Card. Whether you used them or not, you were offered the Platinum benefits for the time you had the card including things you may not be considering like Extended Warranty, Purchase Protection, etc.

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Are you saying that the AMEX rep in the first post of this thread is incorrect?

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If there is one thing you'l learm about Amex CSRs it's that they are often wrong a LOT about their own policies.  All you do is cancel when you can and find out what they will do then.  If you only get a 11 month prorated refund, that's still very generous for all the rewards that you're receoving for the card and not very costly.

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This is why I prefer to get things in writing... or at least screenshot the online chat.

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That certainly helps but from experience Amex does not seem to care much about what a rep said in a chat and rarely will honor what was said if it's counter to their existing policies.  Either way, I wish you good luck.

[wiivile]

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@Anonymous wrote:

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@wiivile wrote:

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@Anonymous wrote:

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@wiivile wrote:

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@Anonymous wrote:
You should expect a pro-rated refund for 11 months - the grace period for full refunds is 30 days. There are no exceptions on a Platinum Card. Whether you used them or not, you were offered the Platinum benefits for the time you had the card including things you may not be considering like Extended Warranty, Purchase Protection, etc.

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Are you saying that the AMEX rep in the first post of this thread is incorrect?

---

If there is one thing you'l learm about Amex CSRs it's that they are often wrong a LOT about their own policies.  All you do is cancel when you can and find out what they will do then.  If you only get a 11 month prorated refund, that's still very generous for all the rewards that you're receoving for the card and not very costly.

---

This is why I prefer to get things in writing... or at least screenshot the online chat.

---

That certainly helps but from experience Amex does not seem to care much about what a rep said in a chat and rarely will honor what was said if it's counter to their existing policies.  Either way, I wish you good luck.

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I guess it's just a matter then of calling up AMEX, finding a rep who says there is a 60 day full refund period, then saying 'ok, I'd like to cancel the card'.

[Anonymous]

Its an automated process. Upon cancelling, the system will advise how much the refund is and process that. Apologies if you've been given misinformation by a prior CCP.

[wiivile]

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@Anonymous wrote:

Its an automated process. Upon cancelling, the system will advise how much the refund is and process that. Apologies if you've been given misinformation by a prior CCP.

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Just for clarification, are you saying that the annual fee is fully refundable 30 days from the date the annual fee is BILLED (December 27), PAID (say, January 11, for example), or DUE (January 27)?

[Anonymous]

From the date it was billed.

[longtimelurker]

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@Anonymous wrote:

---

@wiivile wrote:

---

@Anonymous wrote:

---

@wiivile wrote:

---

@Anonymous wrote:
You should expect a pro-rated refund for 11 months - the grace period for full refunds is 30 days. There are no exceptions on a Platinum Card. Whether you used them or not, you were offered the Platinum benefits for the time you had the card including things you may not be considering like Extended Warranty, Purchase Protection, etc.

---

Are you saying that the AMEX rep in the first post of this thread is incorrect?

---

If there is one thing you'l learm about Amex CSRs it's that they are often wrong a LOT about their own policies.  All you do is cancel when you can and find out what they will do then.  If you only get a 11 month prorated refund, that's still very generous for all the rewards that you're receoving for the card and not very costly.

---

This is why I prefer to get things in writing... or at least screenshot the online chat.

---

That certainly helps but from experience Amex does not seem to care much about what a rep said in a chat and rarely will honor what was said if it's counter to their existing policies.  Either way, I wish you good luck.

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Right.   Amex fairly recently "clarified" some of the terms and conditions, to state that the written agreement is the only contract and cannot be overridden by verbal or other statements from employees.

This makes sense for most big businesses, you don't want to have to take responsibility for what a rep may say (maybe they are losing their job due to cuts etc).  Of course, a business may decide to honor it if its not too costly, but certainly they don't want any legal obligation.

[wiivile]

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@longtimelurker wrote:

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@Anonymous wrote:

---

@wiivile wrote:

---

@Anonymous wrote:

---

@wiivile wrote:

---

@Anonymous wrote:
You should expect a pro-rated refund for 11 months - the grace period for full refunds is 30 days. There are no exceptions on a Platinum Card. Whether you used them or not, you were offered the Platinum benefits for the time you had the card including things you may not be considering like Extended Warranty, Purchase Protection, etc.

---

Are you saying that the AMEX rep in the first post of this thread is incorrect?

---

If there is one thing you'l learm about Amex CSRs it's that they are often wrong a LOT about their own policies.  All you do is cancel when you can and find out what they will do then.  If you only get a 11 month prorated refund, that's still very generous for all the rewards that you're receoving for the card and not very costly.

---

This is why I prefer to get things in writing... or at least screenshot the online chat.

---

That certainly helps but from experience Amex does not seem to care much about what a rep said in a chat and rarely will honor what was said if it's counter to their existing policies.  Either way, I wish you good luck.

---

Right.   Amex fairly recently "clarified" some of the terms and conditions, to state that the written agreement is the only contract and cannot be overridden by verbal or other statements from employees.

This makes sense for most big businesses, you don't want to have to take responsibility for what a rep may say (maybe they are losing their job due to cuts etc).  Of course, a business may decide to honor it if its not too costly, but certainly they don't want any legal obligation.

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Is there a written policy somewhere...?

[longtimelurker]

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@wiivile wrote:

---

@longtimelurker wrote:

---

@Anonymous wrote:

---

@wiivile wrote:

---

@Anonymous wrote:

---

@wiivile wrote:

---

@Anonymous wrote:
You should expect a pro-rated refund for 11 months - the grace period for full refunds is 30 days. There are no exceptions on a Platinum Card. Whether you used them or not, you were offered the Platinum benefits for the time you had the card including things you may not be considering like Extended Warranty, Purchase Protection, etc.

---

Are you saying that the AMEX rep in the first post of this thread is incorrect?

---

If there is one thing you'l learm about Amex CSRs it's that they are often wrong a LOT about their own policies.  All you do is cancel when you can and find out what they will do then.  If you only get a 11 month prorated refund, that's still very generous for all the rewards that you're receoving for the card and not very costly.

---

This is why I prefer to get things in writing... or at least screenshot the online chat.

---

That certainly helps but from experience Amex does not seem to care much about what a rep said in a chat and rarely will honor what was said if it's counter to their existing policies.  Either way, I wish you good luck.

---

Right.   Amex fairly recently "clarified" some of the terms and conditions, to state that the written agreement is the only contract and cannot be overridden by verbal or other statements from employees.

This makes sense for most big businesses, you don't want to have to take responsibility for what a rep may say (maybe they are losing their job due to cuts etc).  Of course, a business may decide to honor it if its not too costly, but certainly they don't want any legal obligation.

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Is there a written policy somewhere...?

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Yes. for each card.

The BCE says, for example:

https://web.aexp-static.com/us/content/pdf/cardmember-agreements/blue-cash-everyday/BlueCashEveryDayAECB.pdf 

Changing the Agreement

We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement

[wiivile]

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@longtimelurker wrote:

---

@wiivile wrote:

---

@longtimelurker wrote:

---

@Anonymous wrote:

---

@wiivile wrote:

---

@Anonymous wrote:

---

@wiivile wrote:

---

@Anonymous wrote:
You should expect a pro-rated refund for 11 months - the grace period for full refunds is 30 days. There are no exceptions on a Platinum Card. Whether you used them or not, you were offered the Platinum benefits for the time you had the card including things you may not be considering like Extended Warranty, Purchase Protection, etc.

---

Are you saying that the AMEX rep in the first post of this thread is incorrect?

---

If there is one thing you'l learm about Amex CSRs it's that they are often wrong a LOT about their own policies.  All you do is cancel when you can and find out what they will do then.  If you only get a 11 month prorated refund, that's still very generous for all the rewards that you're receoving for the card and not very costly.

---

This is why I prefer to get things in writing... or at least screenshot the online chat.

---

That certainly helps but from experience Amex does not seem to care much about what a rep said in a chat and rarely will honor what was said if it's counter to their existing policies.  Either way, I wish you good luck.

---

Right.   Amex fairly recently "clarified" some of the terms and conditions, to state that the written agreement is the only contract and cannot be overridden by verbal or other statements from employees.

This makes sense for most big businesses, you don't want to have to take responsibility for what a rep may say (maybe they are losing their job due to cuts etc).  Of course, a business may decide to honor it if its not too costly, but certainly they don't want any legal obligation.

---

Is there a written policy somewhere...?

---

Yes. for each card.

The BCE says, for example:

https://web.aexp-static.com/us/content/pdf/cardmember-agreements/blue-cash-everyday/BlueCashEveryDayAECB.pdf 

Changing the Agreement

We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement

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But is there a written argeement on the refundability of the annual fee?

[wiivile]

@AskAMEX on Twitter and phone rep both concurred with the online chat rep- 60 days. If the rep here who is saying 30 days turns out to be correct, I will file a CFPB complaint with the Twitter, phone, and chat logs as evidence saying that AMEX is giving false info via customer service.