Where and how does the pro rata refund get paid if you cancel Platinum?

[davidbutcher]

Does it go back to the bank account that is set up for direct debits to Amex? Or do you get a cheque, or what?

[NorthernLass]

It gets credited to your Amex account, so the best thing is to leave an outstanding balance of slightly more than the refund will be.

[Rob]

You can do what you want with it if you don’t leave a balance – transfer it to another Amex card you have, arrange for a bank transfer, whatever.

[MajaS]

I had credit before after cancelling (or even having a large refund) and Amex made me do a few steps before they credited back to my bank account – I had to upload a recent statement showing Amex debits from my account before they processed it.

@Rob is it possible for you to confirm if one would still get a credit for an eligible promotion (such as dining credit) even after cancelling the card? I remember something about the t&cs of this on this forum, but it was 2 years ago so things might have changed!

[NorthernLass]

I had multiple refunds during the pandemic and got fed up with the hassle of uploading bank statements! You can ask them to send you a cheque as well, which takes longer but then you can just scan that into your bank account if you use phone banking.