Officially, the terms have stated since October that you will no longer receive a pro-rata refund on cancellation.
According to @Rob the terms never actually specified previously that pro rata refunds were a thing.
That’s not correct; pro-rata refunds were previously expressly provided for in the terms. If that hadn’t been the case, Amex wouldn’t have needed to give notice of the change to terms.
It’s unheard of within the industry to have such a significant term waiver not notified to all.
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