Author Topic: Misc Credit Card Questions  (Read 2030543 times)

Offline daybyday

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Re: Misc Credit Card Questions
« Reply #4640 on: September 11, 2016, 08:23:01 PM »
Question:
I met my spending minimum on a amex delta card and then had to do a return which took it back under the spending minimum. I already got my miles bonus. Is amex likely to cause issues? The minimum was 2k and i am now down to 1800.

Offline srap

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Re: Misc Credit Card Questions
« Reply #4641 on: September 11, 2016, 08:23:37 PM »
Will I still get Amex travel insurance if I pay the $5 tax with the Amex CC?  This is a points ticket.

Offline shulem92

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Re: Misc Credit Card Questions
« Reply #4642 on: September 11, 2016, 08:24:51 PM »
Question:
I met my spending minimum on a amex delta card and then had to do a return which took it back under the spending minimum. I already got my miles bonus. Is amex likely to cause issues? The minimum was 2k and i am now down to 1800.
Yes. They will freeze your account at best clawbacks at worst

Offline daybyday

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Re: Misc Credit Card Questions
« Reply #4643 on: September 11, 2016, 09:21:25 PM »
Yes. They will freeze your account at best clawbacks at worst
Are you sure you are not confusing amex plat 100k offer? Also none of the spending was MS.

Offline regular

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Re: Misc Credit Card Questions
« Reply #4644 on: September 11, 2016, 09:32:23 PM »
Try it and report back. heres the email i originaly got from them, but as pointed out before they never actually reversed it.

Dear M*********,
 
Thank you for contacting Starwood Preferred Guest regarding duplicate accounts. We appreciate your loyalty to SPG and I hope this email finds you well.
 
Per your request, I have located your referenced SPG accounts. Before I noticed them to have different first names, I merged them. This was an error which will be corrected and reversed. I apologize for any inconvenience this may cause.
 
We are unable to allow combination of individual accounts, whether for spouses' accounts, or for other members of your household. However, we do allow unlimited Starpoint transfers between accounts of members in the same household for redemption purposes, if the following requirements are met:
Both members live at the same postal address. (Starwood Vacation Network members (“Owners”) may transfer Starpoints between two designated Starwood Vacation Network Preferred Guest accounts, regardless of whether the accounts have the same residential address.)
 
The recipient is not an employee of Starwood Hotels & Resorts Worldwide.
 
Members may not transfer Starpoints to/from an account that has a P.O. Box, APO or SPO as the address.
 
Both accounts must have been enrolled and active for at least 30 days.
You may now fill out the online transfer request form. You will be asked to provide the quantity of Starpoints to be transferred, as well as the member number and last name of the account you wish to transfer to. Once account verification has taken place, a confirmation email will be sent to you within ten business days.
 
 
Best Regards,
I dont think im going to try it because i dont see any need to combine. i already have status with spg and dont have enough for next level even combined. i was more just curious about this because i once thought of combining but thought i couldnt thats why i was surprised that you said you did

Offline shulem92

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Re: Misc Credit Card Questions
« Reply #4645 on: September 11, 2016, 10:25:59 PM »
Are you sure you are not confusing amex plat 100k offer? Also none of the spending was MS.
Nope. No confusion here. If u hit the threshold, and points post, and then u dip back under, ur points will be placed under fraud review. If found "guilty", they will confiscate all remaining points. This happened to me. Luckily I managed to finish the spending again, as I was still within the 90 day period

Offline David Smith

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Re: Misc Credit Card Questions
« Reply #4646 on: September 11, 2016, 10:33:00 PM »
Nope. No confusion here. If u hit the threshold, and points post, and then u dip back under, ur points will be placed under fraud review. If found "guilty", they will confiscate all remaining points. This happened to me. Luckily I managed to finish the spending again, as I was still within the 90 day period
They took your points, and you got them back?
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

Offline shulem92

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Re: Misc Credit Card Questions
« Reply #4647 on: September 11, 2016, 10:35:49 PM »
They took your points, and you got them back?
Nope they froze them, and warned me that if they find me guilty I will lose them. I transferred them out before they cud find me guilty tho

Offline shulem92

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Re: Misc Credit Card Questions
« Reply #4648 on: September 11, 2016, 10:41:50 PM »
Anyone ever heard about this? Amex does not let me make a payment using a new bank account, until the statement closes?

Offline theblakdavid

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Re: Misc Credit Card Questions
« Reply #4649 on: September 11, 2016, 10:46:29 PM »
Anyone ever heard about this? Amex does not let me make a payment using a new bank account, until the statement closes?
I heard of it

Offline shulem92

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Re: Misc Credit Card Questions
« Reply #4650 on: September 11, 2016, 10:51:54 PM »

Offline theblakdavid

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Re: Misc Credit Card Questions
« Reply #4651 on: September 11, 2016, 10:53:23 PM »

Offline LoLo

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Re: Misc Credit Card Questions
« Reply #4652 on: September 11, 2016, 11:59:45 PM »
Nope they froze them, and warned me that if they find me guilty I will lose them. I transferred them out before they cud find me guilty tho
On a delta card? They froze points in your delta account?

Offline shulem92

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Re: Misc Credit Card Questions
« Reply #4653 on: September 12, 2016, 12:00:07 AM »

Offline LoLo

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Re: Misc Credit Card Questions
« Reply #4654 on: September 12, 2016, 12:01:00 AM »
PRG
Ah, the question was about a delta card.

Offline shulem92

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Re: Misc Credit Card Questions
« Reply #4655 on: September 12, 2016, 12:05:55 AM »
Ah, the question was about a delta card.
Ah, just looked back and saw that now...
Hey OP disregard all of the above...

Offline deltastubs

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Re: Misc Credit Card Questions
« Reply #4656 on: September 12, 2016, 01:45:23 AM »
If I downgrade a ink once the annual fee hit, will it be a full refund like they claim or pro rated, I remember my Sapporo downgrade was pro rated even when they said I'd get refund in full?

Offline deltastubs

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Re: Misc Credit Card Questions
« Reply #4657 on: September 12, 2016, 10:20:21 AM »
is there a bigger chance to get a targeted signup bonus offer by chase after downgrading 2 ink cards, and no use, or better to cancel?

Offline lechatchileh ariber

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Re: Misc Credit Card Questions
« Reply #4658 on: September 12, 2016, 10:52:53 AM »
If the no BT fee is standard, he can PC another card to a slate after transferring the balance.
PC? Couldn't find it in the acronym thread. I'll assume it means downgrade?
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Offline farmbochur

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Re: Misc Credit Card Questions
« Reply #4659 on: September 12, 2016, 11:03:49 AM »
Anyone know if target purchases count as grocery stores for 2x points on Amex Every Day?
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