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AMEX Return Protection: Did They Make You Return The Item? I've used AMEX return protection in the past mostly for items over $100 but I just used it to return a $40 skirt my wife bought from a store that went out of business.

In the past I've always had to fax in the receipt and then send in the item to get the refund.
This time though they just credited my account within a few days without even getting the receipt or asking for the skirt back!

This was on an SPG Consumer card

What have you used return protection for in the past, how much did it cost, what card was it on, and did they make you return the item?

May 27, 2011, 12:40:19 PM
DansDeals Credit Card Links And FAQ's: Your Support Keeps This Site Running! Click Here to get more details on this card and compare to other cards!

"3 Browser Method"
The 3 browser method (3BM) is a technique that I've been using for 10 years with that has since spread across the web.  It has helped me accumulate hundreds of credit cards (including dozens of the same exact card) along with millions of miles for free.  There's no reason you can't do it as well! Basically the idea is to apply for 3 different credit cards from the same bank (Either from AMEX, Chase, Citi, etc.) at the same exact time using 3 different web browsers, like Chrome, Firefox, Internet Explorer, Safari, etc, etc.

When you do so you typically will only get 1 credit hit regardless of how many cards you apply for.
It also increases your odds of getting instantly improved for multiple cards as opposed to applying for multiple cards at separate times.

Credit Pulls:
In every state different banks will pull from different credit agencies.  The credit agencies are Experian, Equifax, and Transunion.
See this thread for info on where people are saying each bank pulls from in their state.
Most banks pull from just one agency, but Capital One is known as being evil for pulling from all 3 agencies.

Credit Freezing:
If you live on a state like NJ, where the major banks all pull from Experian you may have a lot of hard pulls on one report but none on other reports.  Too many hard pulls in the past 6 months is often a factor for being denied for a card. 
People have had success freezing their Experian and one other report when applying for a Chase card to get Chase to pull from an agency where you have fewer hard pulls-making it easier to get approved.  You may need to call Chase to let them know which of your reports is not frozen.

The costs are outlined here. It might make sense to be a victim of identity theft, as is seems it'll make freezing and unfreezing your reports free for life. The links for initiating a freeze online may not be current in that article, here are the current links:


Even if you are rejected you can always ask for reconsideration for approval.  Be proactive by offering to have older cards closed or have credit lines shifted around from older cards to newer cards.

AMEX: 866-314-0237 (Application reconsideration)
Membership Rewards: 800-297-3276

866-530-9829 personal
800-481-8277 business

Citi: 866-606-2787 (Account Analyst)
Citi: 888-201-4523 (New App Approval Status)
Citi App Status: 800-645-7240, 800-288-4653, 800-750-7453
Citi: 800-444-2568 (Retention Dept.)
Citi: 800-763-9795 (Credit Dept.)
Citi Credit Bureau Dispute Fax: 866-713-5028

Many people have also had better luck writing to the office of the President for reconsideration on Citi cards:
Mr. Ken Stork
Office of the President
PO Box 6000
Sioux Falls, SD 57117

Retention Bonuses:
Before cancelling a card that carries an annual fee, try asking for a retention bonus.
More info in this thread.

Annual Fee Refund:
There is a grace period for cancelling a card after the appearance of an annual fee to get the fee waived.  This is true with new cards that have a fee due immediately and true for cards that have been open for a year and have a fee that posted to the statement.  The length of the grace period differs by bank.

June 07, 2011, 11:29:45 AM
What's On Your Top 10 Bucket List? We all have our bucket lists of places we want to go.  What are your top 10?
October 06, 2011, 01:33:50 PM
Goods For Sale/Trade Forum Rules, Read Before Posting. (Master Threads Wiki) This forum is a free service.

All I ask is:
-Please post an asking price (or percentage if applicable) for an item you are looking to buy or sell.  If you're looking to auction your item I suggest looking into eBay.
-Do not attempt to buy/sell/trade miles, points, or upgrade certificates.
-Do not attempt to buy or sell airline tickets.
-Do not attempt to buy or sell credit card invite offers.
-Do not post commercial advertising.
-Do not bump your post more than once per 72 hour period.
-Do not sell anything illegal.

November 14, 2011, 12:03:00 AM
Re: The funny / strange etc. pictures thread
now that i dont find funny

November 17, 2011, 01:43:48 PM
Car Rentals: What Did You Reserve, What Did You Get? I'll start:

Company: Avis
Status: Chairman's Club
Location: MIA
Dates: 09/18-09/22
Reserved: Intermediate.
Received: BMW 3 series.
Price: $110+tax=$149
Coupon used: MUAA044 for 3K US miles.

November 29, 2011, 10:11:29 PM
Re: Groupon Master Thread They definitely don't want it to work nationwide, the question is whether they have the ability to actually geo-restrict their coupons.
Odds are they don't, but if someone would like to TOFTT that would be great.  Worst case is that you get a refund via the groupon promise if it doesn't work.

January 21, 2012, 10:47:59 PM
Airline Compensation Master Thread Airline: Continental
Flight: IAH-HNL
Class: BusinessFirst (award ticket)
Incident: No kosher meal (despite confirming KSML online and 3 additional times by phone)
Compensation: $200x2 passengers=$400 of CO vouchers.

January 29, 2012, 07:29:23 PM
Hotel Compensation Master Thread Hotel: Park Hyatt Paris
Year of incident: 2010
Status at time of incident: Diamond
Incident: Construction noise in room above ours woke us up one morning and continued for a few hours.
Compensation: 18K Points (at that time that was the rate for 1 night at the PH Paris) was offered over the phone while we were in the room.

Hotel: Park Hyatt Zurich
Year of incident: 2010
Status at time of incident: Diamond
Incident: Couldn't offer kosher breakfast
Compensation: 5K Points was offered via email before the stay.

Hotel: Grand Hyatt Kauai
Year of incident: 2009
Status at time of incident: Diamond
Incident: Fire alarm went off from 4am-4:30am with evacuation required.
Compensation: An apology letter offered a $50 resort credit, but a manager gave us 18K points (at that time that was the rate for 1 night at the GH Kauai) and a $100 resort credit…which bought a nice pair of Naot’s for my wife!

Hotel: Park Hyatt Toronto
Year of incident: 2010
Status at time of incident: Diamond
Incident: Multiple issues, described in this complaint letter.
Compensation: 18K Points awarded by GP customer service after the stay following email complaint.

Hotel: W South Beach
Year of incident: 2011
Status at time of incident: Platinum
Incident: Smoke smell in room every morning, poor service from checkin agents, room service didn't respect do not disturb on multiple occasions, lost and found refused to locate a dress shirt left in room just after we checked out.
Compensation: $130 and 5K Points.

March 02, 2012, 01:02:12 AM
Re: Best Crockpot for Cholent!
Any ideas of cockpits that don't stick ?
I find 777s are better than 737s.

April 05, 2012, 05:45:55 PM