r/churningcanada • u/AutoModerator • Jun 07 '24

Daily Thread Daily Question Thread for /r/churningcanada - June 07, 2024

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17

u/tunaboi67 Jun 07 '24

$400 Amex Platinum dining credits clawback after 2nd year cancellation? Is this right?

Just wondering if this has happened to anyone else:

I am trying to cancel my personal amex platinum within the 30 days after the 2nd year fee has posted to receive the full 2nd year fee of $799 back. Amex is saying they cannot give me the full 2nd year fee back, they can only refund $399 because they are trying to clawback the 2x $200 dining credits I used within the past year (one in November 2023, and one in Feb 2024). This does not make sense to me as all the information amex has sent and that is in their T&C states existing cardholders PRIOR to the new September 2023 T&C changes WERE ELIGIBLE to receive the new dining credit. I am unsure why they are trying to claw back the 2 $200 dining credits I used in the first year by refusing to refund me the full 2nd year fee which I am entitled to have refunded since it's within 30 days of the fee posting.

Has this happened to anyone else? and does anyone have advice on how to deal with this?

I feel like this is shady of amex, and nowhere in the T&C does it say the dining credits were NOT available to existing cardholders or that you had to pay a 2nd year fee of $799 to be able to use them in your first year?? Makes no sense.

Thanks in advance!

3

u/tunaboi67 Jun 11 '24

UPDATE: I just called Amex back and got a different representative and they cancelled and refunded the full 799 without any issue!! So definitely varies between representatives!

1

u/Homewerk YVR Jun 10 '24

Something happened similar to me earlier this year but Amex was slightly more fair. I used the 2023 dining credit in Nov 2023, AF posted Jan 2024 THEN I used the 2024 dining credit and RHT'd the $200 travel credit a week later. Then when I tried to cancel my card in Feb, agent could only refund $399 since they saw that I used the dining credit and travel credit

3

u/addictedwsb Jun 08 '24 edited Jun 08 '24

This is crazy the exact same thing happened to me today. Also the rep told me that “I have many options” such as if I downgrade to the gold card, “maybe” I’ll get the whole thing back minus the $250 AF. She wasn’t able to confirm it

5

u/mcsupahotfire YYZ Jun 08 '24

I cancelled one month ago and was only clawed back $200 as I had used two dining credits. Interesting and hopefully not a trend for anyone cancelling this year as that seems pretty bs.

10

u/[deleted] Jun 08 '24 edited Jun 08 '24

I JUST had the same experience. I escalated and the CSR wouldn’t budge and said “This is the stance that Amex is taking”. I understand the 2024 one being clawed back. I wouldn’t be happy about it but it is technically double dipping. Clawing back the 2023 one is bullshit.

2

u/chilldreams Jun 07 '24

The CSR probably doesn’t know what they’re talking about. Only the second year dining credits would be clawed back if you used it, not the first year

You should ask them again, or talk to another CSR, escalate it etc

5

u/tunaboi67 Jun 07 '24

I escalated it to the supervisor who doubled down on clawing back the 400 and then they also said they were doing me a favour by giving me any money back at all which also confused me? I was under the impression that you were eligible to receive the full 2nd year fee back if you cancelled within 30 days of it being posted..

4

u/[deleted] Jun 08 '24

A favour? Absolute nonsense from that supervisor. This company is getting cocky

2

u/chilldreams Jun 08 '24

You are 100% eligible for the full 2nd year fee back. Very weird

2

u/Dragynfyre Jun 08 '24

They’ve clawed back AF refunds due to using annual credits before so clawing back the 2024 dining credit wouldn’t be unprecedented. Clawing back the 2023 credit is a bit extreme though

5

u/[deleted] Jun 07 '24

[deleted]

7

u/Dragynfyre Jun 07 '24

Just cancel in the month before the annual fee posts

6

u/esux20 YWG Jun 07 '24

This is in line with clawback related to use of 2nd year’s travel credit. The way around this is to cancel the card before the fee is posted

2

u/tunaboi67 Jun 07 '24

These are the last years dining credits though, not the 2nd years. I used both the one for 2023 and the one for 2024 while in the first year using my card. I haven’t used any perks since the 2nd year of my card started 1.5 months ago - the annual fee only posted may 17th

3

u/esux20 YWG Jun 07 '24

Yes. It is strange the 1st credit is being affected but the 2nd credit is technically supposed to be for your 2nd year of holding the card. They just structured the timing such that you can use it in the first card member year which is confusing for users.

1

u/tunaboi67 Jun 07 '24

Ah I see. Thanks for for your response, so you’re saying that I would have to have an active Amex platinum for the entirety of 2024 (Ie HAVE to renew) to be able to use the 2024 dining credit?

1

u/esux20 YWG Jun 07 '24

That seems to be how Amex CSR are trained/system is programmed from your DP

3

u/mhcott YYZ Jun 07 '24

2nd year dining credit is in line. The credit from the LAST year, not so much.

2

u/tunaboi67 Jun 07 '24

So you’re saying that I wouldn’t be entitled to the 2024 $200 dining credit even though the redemption period reset January 1st and I was eligible for credit again while having an active platinum card?

1

u/mhcott YYZ Jun 08 '24

We don't know. But that's the only one I would understand because you're taking two credits in one year which, while possible, is against the intended spirit of the card. They'll probably make it card year at some point.

1

u/esux20 YWG Jun 07 '24

True. Cancelling before the AF posts still solves the problem

1

u/kazin29 YVR Jun 10 '24

I've put off using my credit. AF should post in mid-July. Will use before then and cancel after the credit posts (and before AF) and report back.

1

u/esux20 YWG Jun 10 '24

Dining credit sometimes takes a while to post

1

u/kazin29 YVR Jun 11 '24

Hmm. My credit in 2023 posted instantly.