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If I cancel the Platinum card, do I have to pay back any offers?
I have hit the spend for 60,000 points. I have used various offers and notably £50 Harvey Nicks and £200 restaurant credit. Plus a Shop Small credit.
I know it is a pro rata fund so would get half of £575 back. Just wondered whether the credits are counted against this?
No. Once a credit has been applied to the account that it is the end of it. Make sure your outstanding balance is zero then cancel.
Also make sure you’ve moved out the MR points. You balance doesn’t actually have to be zero when you cancel, though, in fact it can be helpful if it’s higher than the amount you’ll get refunded for the fee as it’s then easier to pay off any remaining balance than request a refund of a credit balance.
Along similar lines, I cancelled my plat 6 weeks ago. Amex still haven’t refunded the remaining annual fee and I’ve been on live chat three times to chase. Is this normal?
No – it’s usually refunded very promptly. But CS standards seem to have been slipping recently, going off reports on here.
If you get a refund after clearing MR balance and paying off bill and closing account
Do they claw it back, for example a hotel reservation of £500 will mean -500 MR pointsIf you get a refund after clearing MR balance and paying off bill and closing account
Do they claw it back, for example a hotel reservation of £500 will mean -500 MR pointsNo.
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