I love credit cards so much! v4.0 - 2021 (see first page for add'l details)

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Thanks! Receipt says $30 Amex was used. Expected $40. There have been no refund/credits, and this was toward the end of the month.

So I went digging in my own receipts and looks like the Amex benefit applied shown on the receipts is wrong. It only shows the plat bucket of credits, not the gold credit. At first I thought my gold credits weren't applied for months!

I have a gift card in my account, so that makes it harder to figure out. Had to go through the receipts since I added the gift card and add up the amounts I went over the credits. It did add up for me though. If the excess is charged to cc it's easier to figure out.

Hope your issues get resolved!
 
I did a dummy search and looks like Swan Reserve comes up on the Chase Travel Portal. And, looks like (with CSR), it would be 30.6k points versus the 60k points Marriott would like you to pay.

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Just booked the last 2 nights of my trip at the swan reserve in case it goes away again. The first 5 are booked via Bonvoy points. Hopefully they can keep us in the same room.
 
Just cancelled mine a couple of months ago after having it for a long time. Here's why. Too much of a pain in the butt to get the airline credit- as it's the only card that doesn't deduct it automatically, and you have to call in every time you want an incidental reimbursed. If you are like most people and use it for baggage charges or snacks or a seat upgrade from economy to premium economy you have to call at least 3 times a year- sometimes more- and here's the thing- you have to remember to call. Long story short, getting the reimbursement requires some effort on your part. Now, if you have hours on end to research that perfect sweet spot referred to in the article so you only have to call in once a year to get the optimal reimbursement, more power to you- but I have better things to do with my time. The 50k cert wasn't working out either as there are only a few sweet spots at certain times of the year where a 50k cert works- most Ritz properties are 60k or more most of the year, and most JWs are 45k so you are wasting 5k. We almost always used it on a JW. With the new sliding scale it might be worth it to some people, but I can buy around the same number of points when they have a sale for the same cost as the AF- and purchased points are flexible and can be used for whatever redemption level I want. This sliding scale is going to come at a price IMHO- and that price is going to be a devaluation- hope I'm wrong. Priority Pass comes with almost all premium cards (we have it on 3 different cards), and it's just two of us these days so it's not a perk for us to have unlimited- but if you are travelling with a family it is worth considering. If you don't have a premium card this one is pretty good- but for our lifestyle having a CSR and an AmEx Platinum makes more sense.
 
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Is the annual fee refunded automatically if you cancel within 30 days of the fee being charged or do you have to ask for it?

You can secure message to cancel, but you have to call to PC. When I've canceled, I've never specifically asked for a refund. All I write is please close card ending xx. Then they respond that my card is canceled and that my annual fee will be refunded.

For the PC, I did ask about the refund just because I wanted to confirm that it's not prorated.
 
You can secure message to cancel, but you have to call to PC. When I've canceled, I've never specifically asked for a refund. All I write is please close card ending xx. Then they respond that my card is canceled and that my annual fee will be refunded.

For the PC, I did ask about the refund just because I wanted to confirm that it's not prorated.
How are the terms of closure that they are required by law to give you and you have to respond to in the affirmative handled via secure message? I have never closed an account via secure message so am just curious.
 
How are the terms of closure that they are required by law to give you and you have to respond to in the affirmative handled via secure message? I have never closed an account via secure message so am just curious.

Hmm. I guess they have a written record that you requested to cancel? I haven't done one since Feb, so can't pull up an old SM to see what else they wrote in there.

There are more recent DPs that people get called after sending an SM. I think it's to try to get you to keep the card. People ignore the calls and then it gets canceled anyways.
 
With Chase I received a letter in my statements and notifications, and Barclay sent letters in the mail.
Hmm. I guess they have a written record that you requested to cancel? I haven't done one since Feb, so can't pull up an old SM to see what else they wrote in there.

There are more recent DPs that people get called after sending an SM. I think it's to try to get you to keep the card. People ignore the calls and then it gets canceled anyways.
TYVM for the information
 
Just cancelled mine a couple of months ago after having it for a long time. Here's why. Too much of a pain in the butt to get the airline credit- as it's the only card that doesn't deduct it automatically, and you have to call in every time you want an incidental reimbursed. If you are like most people and use it for baggage charges or snacks or a seat upgrade from economy to premium economy you have to call at least 3 times a year- sometimes more- and here's the thing- you have to remember to call. Long story short, getting the reimbursement requires some effort on your part. Now, if you have hours on end to research that perfect sweet spot referred to in the article so you only have to call in once a year to get the optimal reimbursement, more power to you- but I have better things to do with my time. The 50k cert wasn't working out either as there are only a few sweet spots at certain times of the year where a 50k cert works- most Ritz properties are 60k or more most of the year, and most JWs are 45k so you are wasting 5k. We almost always used it on a JW. With the new sliding scale it might be worth it to some people, but I can buy around the same number of points when they have a sale for the same cost as the AF- and purchased points are flexible and can be used for whatever redemption level I want. This sliding scale is going to come at a price IMHO- and that price is going to be a devaluation- hope I'm wrong. Priority Pass comes with almost all premium cards (we have it on 3 different cards), and it's just two of us these days so it's not a perk for us to have unlimited- but if you are travelling with a family it is worth considering. If you don't have a premium card this one is pretty good- but for our lifestyle having a CSR and an AmEx Platinum makes more sense.

Hmm, this card wasn't on my radar AT ALL, so thanks for sharing. Oddly, I'm very intrigued by the unlimited Priority Pass because we tend to travel with 8-11 people and it's nice to not have to "exclude" anyone. On the other hand, we have 4 Amex Plats and a CSR, so we have plenty of premium cards we are already paying high AFs on. And, it does get tiring trying to manufacture value out of the annual fee.

I'm definitely going to give this some serious thought- it's a great find you shared.
 
Grrr, I've been sitting on an AMEX offer for 5% back when you use it to pay your insurance. Well my renewal finally comes due this month, I go to pay only to find out Progressive does not take AMEX. >:(

I used part of it when it first came out, and then made a note to get the remainder when my next insurance came due. Forgot all about it!
 
Grrr, I've been sitting on an AMEX offer for 5% back when you use it to pay your insurance. Well my renewal finally comes due this month, I go to pay only to find out Progressive does not take AMEX. >:(
That happened to me when I added an umbrella policy through Geico. Geico takes Amex but the company they partner with on umbrella policies doesn't.
 
Posted this on the gift card forum, maybe someone here knows? I got the 10% disney offer on my freedom. I don't have access to paypal key. Has anyone gotten the chase offer to stack with paypal and not paypal key?
 
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