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Hi
In November I signed up to the Platinum card, spent £10k for the sign up bonus and closed the account in January.
Some of the spending included a bunch of hotels for a holiday I have planned in June. However I’ve now decided I want to tweak the holiday plans which would mean cancelling the hotel bookings and getting a refund.
These refunds would amount to about £2.5k. Is there any risk that Amex might look upon this unfavourably and restrict access to future cards/SUBs?
Prepare to get blacklisted
Could they? Yes
Will they? Probably not.And no I would definitely not prepare to get blacklisted.
I cancelled a long haul flight for four to the tune of thousands after my BAPP was cancelled. The refund came as a cheque, no problem with future applications.
Try it out and let us know.
No cases reported here of any adverse effects.@Joephe – I don’t think you are likely to be ‘blacklisted’ as suggested above but nor do I think it’s correct to say there won’t be ’any adverse effects’ because none have been reported, which is in itself incorrect. For now Amex will simply note what’s happened in your records, but what weight they give that in two years time or whenever you reapply, nobody knows. To the extent that you can possibly make the hotel changes without cancel and rebooking or persuade them to refund a different card, that would obviously be better.
From a period when Amex UK was very much in ‘anything goes’ mode, more recently Amex has been tightening up in all sorts of ways and working to reduce its credit book, not take on or shed less profitable customers as well as responding to rising bad debts. When one sees economy continuing to stagnate (and there’s no reason to expect that to change post election) and the highly paid job cuts in tech and professional services, I doubt Amex will let up any time soon.
https://thriftytraveler.com/news/credit-card/amex-adds-terms-bonus-clawback/
Please be cautious with posting and quoting US websites on a page which is discussing AMEX UK…
https://thriftytraveler.com/news/credit-card/amex-adds-terms-bonus-clawback/
Please be cautious with posting and quoting US websites on a page which is discussing AMEX UK…
Look what they did with self referrals..
https://thriftytraveler.com/news/credit-card/amex-adds-terms-bonus-clawback/
Please be cautious with posting and quoting US websites on a page which is discussing AMEX UK…
You will find that like the weather, what happens with Amex US eventually comes to the UK so it’s actually quite helpful and there are plenty of signs of change in the UK that only the most cavalier players will ignore.
Is there any risk that Amex might look upon this unfavourably and restrict access to future cards/SUBs?
The only correct answer here is obviously a massive yes, of course they could. Why would you think otherwise?
Closing the card in less than two months and then getting potentially over 25% of the qualifying spends refunded is asking for trouble. Imagine the abuse if they blindly tolerated it, where would it end? Someone can take out a card, book a fully refundable hotel, claim points, cancel card then refund booking. The real question is where do you think Amex would draw the line, given such behaviour?
It is easy to run a report on those who do the above and if they feel so minded, decline all future applications. They may even decide to close other accounts you may have, too.
There is of course context missing here. Things like exactly how closely you cut the 10k spend, what other cards you have currently or previously held with Amex, churn/spend/refund patterns, retention offers accepted etc.
Of course you may and likely will be ok and suffer no adverse effects, no one other than Amex will know, for now. I personally however value my relationship with Amex and would therefor be doing all I could do get the money refunded via an alternative route.
https://thriftytraveler.com/news/credit-card/amex-adds-terms-bonus-clawback/
Please be cautious with posting and quoting US websites on a page which is discussing AMEX UK…
Look what they did with self referrals..
In the UK they did absolute nothing.
Also, clawing back the SUB is world’s away from your 1st post about being blacklisted.
If you know nothing about what your talking about, why are you here just trying to scare people?In the UK they did absolute nothing.
Feel free to try it and report back
This forum really needs a block function.
This forum really needs a block function.
@redethernet1 comments have been bang on the money, so it’s very decent of you to offer to block the endless flow of unnecessary unconstructive comments.In the UK they did absolute nothing.
Feel free to try it and report back
Tried it. Maybe 6 – 10 times. No issues to date.
You posted an article to US terms.
That was not UK applicable.
You therefore implied it would come here by referencing self referral terminations…
… which have not been reported here either.Rui N is the one who is bang on the money, not sure why ‘blacklisting’ and US terms references are being touted as bang on the money.
Self-referrals are also completely off topic. If this forum had moderation that would have been removed (if this forum had moderation, lots of users that are here only to insult others and make up stuff would have been kicked off already, of course).
My first response was the correct one. If the OP is willing, they can go, try it out and let us know (this is the advice for most anything discussed here!). No adverse reactions from Amex have been reported here about refunds post-closure (if someone knows of any, they would have showed them here already).
But Travel Strong, you are a brave one for trying self-referrals! I sometimes fear referring someone in my household!
But Travel Strong, you are a brave one for trying self-referrals! I sometimes fear referring someone in my household!
No bravery here – I am just already on ‘that’ list if they ever come for self-refers.
– i.e In for a penny in for a pound.However I would absolutely never recommend self-referring to anyone who has not done it previously.
I started long ago.
– i.e. It’s too late for me. Save yourself.Thanks all for the responses. I think I will risk it; for one because cancelling one hotel would save me £500 by rebooking on different dates, which is hard to turn down. I put about £50k/annum through Amex (albeit currently through the other half’s BAPP account), so hopefully I’m not viewed as the worst customer despite the churning.
I’m not eligible for a BAPP sign up bonus again until later in the year, but will try to remember to update this thread!
I applied for the BA Premium Plus today and got accepted, so didn’t make it to the blacklist!
Great!
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