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« Last edited by davidmal on May 11, 2017, 04:25:28 PM »

Author Topic: Amex Platinum Master Thread  (Read 1084622 times)

Offline AsherO

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Re: Amex Plat Questions
« Reply #100 on: January 24, 2011, 01:54:37 AM »
You cant. For Small claims they have to have a place of biz in NYC (or NYS, I forget)

Gah, there goes that idea. Funny that you post now, I was just reading about this.

Thanks for your help.

Offline Crown Street

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Re: Amex Plat Questions
« Reply #101 on: January 24, 2011, 03:20:30 AM »
If I booked a hotel room on priceline name your own price with a platinum card, can i get a refund from Platinum if I dont want that booking?

Offline moish

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Re: Amex Plat Questions
« Reply #102 on: January 24, 2011, 03:42:40 AM »
i think somebody just asked that same exact question in a different thread. what are the odds

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Re: Amex Plat Questions
« Reply #103 on: January 24, 2011, 07:36:50 AM »
sorry, i realized that this thread better suits the question after i posted

Offline AsherO

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Re: Amex Plat Questions
« Reply #104 on: January 24, 2011, 12:14:08 PM »
sorry, i realized that this thread better suits the question after i posted

Next time you can request a mod to move your post, no need to repost.

Offline Yellow

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Re: Amex Plat Questions
« Reply #105 on: January 31, 2011, 02:01:35 PM »
I just called to cancel my amex plat, and they refused to give me a full refund, only prorate it. Should i try calling again and see if someone else would give me a full refund? Is this prorate thingy set in stone or is it a YMMV? I have had this card opened since the begining of december

Offline Dan

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Re: Amex Plat Questions
« Reply #106 on: January 31, 2011, 02:03:57 PM »
I just called to cancel my amex plat, and they refused to give me a full refund, only prorate it. Should i try calling again and see if someone else would give me a full refund? Is this prorate thingy set in stone or is it a YMMV? I have had this card opened since the begining of december
It's YMMV.  Even if they refuse after a few tries the prorating shouldn't be too bad at all, probably under $75.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

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Re: Amex Plat Questions
« Reply #107 on: January 31, 2011, 02:05:32 PM »
It's YMMV.  Even if they refuse after a few tries the prorating shouldn't be too bad at all, probably under $75.
Yep, 75 dollars for 50,000 miles isn't too shabby :) Thanks Dan
« Last Edit: January 31, 2011, 02:08:49 PM by PC »

Offline Yellow

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Re: Amex Plat Questions
« Reply #108 on: January 31, 2011, 02:30:29 PM »
Update: just spoke to another rep who was more than willing to give me the full refund :)
However, he recommended that i open the zync card so my credit report wont show a cancelled card, and the 200 points i have in my amex MR account wont be lost. I declined

Offline Dan

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Re: Amex Plat Questions
« Reply #109 on: January 31, 2011, 02:32:58 PM »
Update: just spoke to another rep who was more than willing to give me the full refund :)
However, he recommended that i open the zync card so my credit report wont show a cancelled card, and the 200 points i have in my amex MR account wont be lost. I declined
Well done!  No reason to get the Zync card from him.  You can sign up on your own for 10K points.
Post a comment on the main site about your "YMMV" canceling experience: http://www.dansdeals.com/archives/10610
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

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Re: Amex Plat Questions
« Reply #110 on: January 31, 2011, 05:39:36 PM »
Well done!  No reason to get the Zync card from him.  You can sign up on your own for 10K points.
Post a comment on the main site about your "YMMV" canceling experience: http://www.dansdeals.com/archives/10610
Thats exactly what i figured! The question was: is gaining 10,000 opening bonus points worth 1) the hit my credit will take from closing down my plat. card 2)the hard pull used when applying for the zync.
In the end i was in a hurry so i chose not to open up the zync with the rep on the phone. Hope that decision wont bite me later!

Offline AsherO

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Re: Amex Plat Questions
« Reply #111 on: January 31, 2011, 06:40:48 PM »
Thats exactly what i figured! The question was: is gaining 10,000 opening bonus points worth 1) the hit my credit will take from closing down my plat. card 2)the hard pull used when applying for the zync.

If your plat. doesn't have a revolving credit line, why would your credit take a hit?

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Re: Amex Plat Questions
« Reply #112 on: January 31, 2011, 06:49:08 PM »
If your plat. doesn't have a revolving credit line, why would your credit take a hit?
I was always under the impression that closing a card (regardless of credit line) Damages credit. I guess i'm wrong

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Re: Amex Plat Questions
« Reply #113 on: January 31, 2011, 06:58:45 PM »
I was always under the impression that closing a card (regardless of credit line) Damages credit. I guess i'm wrong
Even a canceled card actually stays on your report for years.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline Cholentfresser

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Re: Amex Plat Questions
« Reply #114 on: January 31, 2011, 07:47:07 PM »
but if there's no credit line (charge card), does that have a bad effect on your score?
In order to understand recursion, you first need to understand recursion.

Offline AsherO

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Re: Amex Plat Questions
« Reply #115 on: January 31, 2011, 07:59:07 PM »
but if there's no credit line (charge card), does that have a bad effect on your score?

I'm suggesting it doesn't. Anyone disagree?

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Re: Amex Plat Questions
« Reply #116 on: January 31, 2011, 09:23:22 PM »
but if there's no credit line (charge card), does that have a bad effect on your score?

I'm suggesting it doesn't. Anyone disagree?

One of they ways FICO scores your report is the average age of your credit accounts. So if you have an account from 10 years ago and then a bunch of other accounts that had a life of 1-2 years, it shortens the average age of your credit accounts. This is my understanding.

Offline AsherO

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Re: Amex Plat Questions
« Reply #117 on: February 01, 2011, 01:18:44 AM »
One of they ways FICO scores your report is the average age of your credit accounts. So if you have an account from 10 years ago and then a bunch of other accounts that had a life of 1-2 years, it shortens the average age of your credit accounts. This is my understanding.

Show me someone whose first card is an Amex charge card...

I was really referring to those playing the miles game.

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Re: Amex Plat Questions
« Reply #118 on: February 01, 2011, 06:11:21 AM »
Show me someone whose first card is an Amex charge card...

I was really referring to those playing the miles game.

The charge card does not have to be first. If you have a BoA card for example opened 10 years ago, and another 8 (like Amex plat) cards with a 1-2 year life span, it shortens the average age of your credit accounts.

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Re: Amex Plat Questions
« Reply #119 on: February 01, 2011, 07:36:19 AM »
One of they ways FICO scores your report is the average age of your credit accounts. So if you have an account from 10 years ago and then a bunch of other accounts that had a life of 1-2 years, it shortens the average age of your credit accounts. This is my understanding.
are you sure that they calculate closed accounts in the average age of accounts??