Reply To: Creation Financial Services bashing

[JDB]

NorthernLass wrote:

@JDB, I would say they are actually wrong unless there is specific provision in the Ts and Cs which allows them to do this. Do you have a link to such a condition?

BAPP has a provision to stop benefits that (in full) says:- “If we close your Card Account in accordance with the Card Account Agreement, you will no longer earn Avios and any Avios that have not yet appeared on your American Express Avios balance will be forfeited. Any Avios already in your American Express Avios balance will still be transferred to your British Airways Avios balance.”

It makes no mention that this takes effect from notice of closure, rather than actual closure two months later. Both Amex and Creation are treating accounts as being closed for rewards purposes during the two months notice period; I don’t know where they both derive that position from, but Tesco also does the same thing. Amex appears also immediately to block your card for two months, something also not provided for in the terms, or ? the law.

They can’t all be making it up, but it is not in any of their terms. On the Amex terms, if you had a pending transaction prior to the notice, you also wouldn’t get those Avios which seems tough.