AMEX card closure question

[Ghoshida]

Hello folks,

My AMEX PRG card AF will post in the next statement (i.e. Feb). My question is, can I cancel the card without paying the AF after the statement posts, or do I have to do it before that?

I have some points that will post in that statement, that I had hoped to redeem. It's not a lot, but I'll be happier to not let them go to waste. I have no pending charges. My Jan statement posted with 0 balance, and I am not charging anything this month, if that helps. 

[mattmyFIC0]

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@Ghoshida wrote:

Hello folks,

My AMEX PRG card AF will post in the next statement (i.e. Feb). My question is, can I cancel the card without paying the AF after the statement posts, or do I have to do it before that?

I have some points that will post in that statement, that I had hoped to redeem. It's not a lot, but I'll be happier to not let them go to waste. I have no pending charges. My Jan statement posted with 0 balance, and I am not charging anything this month, if that helps. 

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When my AF posted on my PRG a couple months I called for retention offers and they told they didn't have anything so I went ahead and cancelled the card. The AF was refunded soon after.

[DeeBee78]

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@Ghoshida wrote:

Hello folks,

My AMEX PRG card AF will post in the next statement (i.e. Feb). My question is, can I cancel the card without paying the AF after the statement posts, or do I have to do it before that?

I have some points that will post in that statement, that I had hoped to redeem. It's not a lot, but I'll be happier to not let them go to waste. I have no pending charges. My Jan statement posted with 0 balance, and I am not charging anything this month, if that helps. 

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Doesn't Amex refund you the AF if you cancel within 30 days of the AF posting? 

[Anonymous]

Let it post, use the points, and then close it. You should be fine if done before 30 days after AF hits.

[Ghoshida]

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@mattmyFIC0 wrote:

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When my AF posted on my PRG a couple months I called for retention offers and they told they didn't have anything so I went ahead and cancelled the card. The AF was refunded soon after.

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Thanks mattmyFIC0, that's a helpful datapoint.

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@DeeBee78 wrote:

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Doesn't Amex refund you the AF if you cancel within 30 days of the AF posting? 

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Didn't know what their standard practice is with this, thanks for the info DeeBee78!

[Ghoshida]

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@Anonymous wrote:
Let it post, use the points, and then close it. You should be fine if done before 30 days after AF hits.

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Cool, that settles it then! Thanks 12velectronics!

[UncleB]

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@Ghoshida wrote:

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@Anonymous wrote:
Let it post, use the points, and then close it. You should be fine if done before 30 days after AF hits.

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Cool, that settles it then! Thanks 12velectronics!

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I recall seeing the 30 day period before as well... maybe @Anonymous will be able to clarify for us. 

[elim]

I closed mine just before the statement cut and they sent me a $30 check. I assume it was prorated AF? no clue.

[Anonymous]

From my understanding they don't do prorated AF's anymore?

[elim]

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@Anonymous wrote:
From my understanding they don't do prorated AF's anymore?

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  Yeah I didn't think so.  I had a 0 balance (and no use)  for 1 statement, Transfered all my rewards. and they sent me a statement credit via check with no explanation from  "Travel Related Services" 

The card was open 23.7 months.