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I held the gold amex and cancelled it in November 2022. I waited my two years and signed up for The Platinum Card on a 95,000 sign on bonus promise in December 2024. Spent my £10k and waited and waited for the sign on bonus.
Contacted amex who said the account was closed in February 2023 and so it wasn’t two years. The amex agent thought the reason the account wasn’t closed when I cancelled the card in November 2022 was that a refund or charge must have come in after I called.
Is this worth me fighting or shall I go ahead and cancel all our household amex cards?
Do you still have your letter confirming that the account had been closed? Or a screenshot from a chat conversation? A subsequent credit or charge shouldn’t make any difference.
Plus you could ask for access to any statements showing subsequent transactions as it sounds as though the agent was just guessing!
Agreed with NL. The account is closed when you can no longer charge transactions to the card. I’ve had refunds come in many many months after a card closure and that has never impacted the closure date.
You say you closed your account in Nov 2022, do you have any documents to prove this? That is what you need to hand, otherwise you’re at their mercy.
Which document do you typically use to prove this? I’ve checked my statements from my closed Amex cards but couldn’t see a “closed date” anywhere, other than a general reference in the final statement to the fact that I’ve closed the account – which presumably gives the best approximation of close date for my own future reference, but nothing exact by the looks of it. I guess nothing beats just tracking this in a spreadsheet…
Your Experian/Equifax full credit file will show the date the account was closed/settled if under 6 years.
Which document do you typically use to prove this? I’ve checked my statements from my closed Amex cards but couldn’t see a “closed date” anywhere, other than a general reference in the final statement to the fact that I’ve closed the account – which presumably gives the best approximation of close date for my own future reference, but nothing exact by the looks of it. I guess nothing beats just tracking this in a spreadsheet…
They send you a letter confirming the date of account closure when you close an account. That’s the date you should work from.
Amex have become really bad at handling sign up bonuses. I have found their agents literally lie to you to make you think you’re not eligible. I would try contacting them again and explaining the situation. If they persist about this refund, then ask to submit a formal complaint. Those complaint handlers have a much better understanding of the system and will correctly apply this. If they also say no, it gives you opportunity to complain to the ombudsman who would probably find in your favour.
When I went down this route, I got my full sign up bonus and an extra 10k avios.
In November I waited for a month after hitting the 10k spend on the BAPP card the day before the requirement jumped to £15k. I went backwards and forwards with agents for weeks who told me I needed to wait. Some agreed I had spent the amount required before the deadline, some argued it was the the spend but the date it charged to the card and in the end they said I hadn’t spent the required amount before it „hit the card”.
I submitted a formal complaint arguing that I had spent the amount required before the deadline and that the date it hits the card was irrelevant. This was important to me as I had spent a large amount on the card and then taken advantage of the 100,00 MR Platinum offer and needed to out spend a large amount on that card and couldn’t be in a position to spend on both.
After a week or so the Amex complaints team got back to me and oddly informed me that my complaint wasn’t upheld but that they agreed I had spent the required amount and my 2-4-1 was issued. Strange outcome on the decision but I didn’t mind as I received what I felt was owed so it’s worth contacting the complaints team as suggested.
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