American Express Discussion Area

carpy

carpy wrote:

i have just received my rebate but i don't think i want to use the card anymore. what i want to know is if i cancel will i get a cheque or something for my rebate because my account is in credit?

also if i cancel having not used it since my rebate will i be charged the £15 annual charge?

can anyone help me with this?

M_Thomson

Quote:
Originally Posted by carpy
i have just received my rebate but i don't think i want to use the card anymore. what i want to know is if i cancel will i get a cheque or something for my rebate because my account is in credit?

also if i cancel having not used it since my rebate will i be charged the £15 annual charge?

carpy wrote:

can anyone help me with this?

I am not quite sure what you mean is your account in credit through having this rebate? If so, then yes you should get a cheque back for it. With regards to the £15 fee, you shouldn't be charged it if you cancel I think it is only if you spend less than £500 a year and you still keep it open. Also,
why do you want to cancel it? It is one of the better paying cashback cards. If you do go ahead and try to cancel and providing you have run your card well, you may get offered 0% on balance transfers for 6 months.

abingdonboy

Hi,

Had a Blue card for over a year, really like the cash back just for spending as usual, great!

The problem is that i have a large purchase to make in a couple of months time, which I could pay for with the Amex and have the cash to clear, but they would let me!

What I mean is that the purchase is £20K, but they won't raise my credit limit to £20K (no surprise there), but also they won't let me deposit £20K so the account is in credit, and then make the purchase.

Now I have taken up a Platinum card (not got it through yet) to get a bit more cashback, but this is less than likely to come with a credit limit of anything near 20K either.

So any advise?

Thanks in advance for any help you can give.

Regards,

AbingdonBoy.

Bokken_2

Hi abingdonboy,
Why have one card??
Keep the Amex Blue,apply for and then load a Platinium card.
Then request a increase in your limits and load both cards to the max.
If this is not enough apply for the American Express travel cheque card as well and load that to the max the limit for this card is £3000.
The good news is you can have several of them so that should take care of your £20k
If you did the above you would obvoiusly have to take all six cards with you when you went to purchase your item.
The Travel card does have some limitations on its place of use so check this carefully before loading the card.
If you rotate the £20k throught the Platinium card at say £3000 at a time and use it to purchase the travel cards you will also get 2% cashback.
There is a get your funds back option within 14days see my previous posts
hope this is helpful,it will require a little careful planning.

M_Thomson

Bokken wrote:

Hi abingdonboy,
Why have one card??
Keep the Amex Blue,apply for and then load a Platinium card.
Then request a increase in your limits and load both cards to the max.
If this is not enough apply for the American Express travel cheque card as well and load that to the max the limit for this card is £3000.
The good news is you can have several of them so that should take care of your £20k
If you did the above you would obvoiusly have to take all six cards with you when you went to purchase your item.
The Travel card does have some limitations on its place of use so check this carefully before loading the card.
If you rotate the £20k throught the Platinium card at say £3000 at a time and use it to purchase the travel cards you will also get 2% cashback.
There is a get your funds back option within 14days see my previous posts
hope this is helpful,it will require a little careful planning.

You cannot have more than one Charge and One Credit card at a time with Amex. So having a blue and a platinum credit card is not an option.

caggs

Having taken Martin's advice to have the Amex Platinum Card for best cash back, today after a year, I have been invited to exclusive membership @ £275 per year, there appear to be benefits but I would appreciate advice as to whether this is worthwhile.

exel1966

Wow what a mammoth thread !! Just spent a couple of hours reading through all this lot to try and assess just how much cashback i'm likely to get on my Amex Plat on next months anniversary date. Not as much as I thought if the T&C,s have changed recently. Shame they never bothered to tell me !!!

Curious though about credit limits with Amex Plat though. From all the previous messages it seems that they are quite low. Is this the norm ?
I have on numerous occasions been invited to become a Plat Charge member, (but for £275 annually it's just not worth it) even though my credit limit is only £8000 which is somewhat short of limits I have on other C/cards.

Just what is the average limit on Plat c/cards ?

wrrllw

Have been an AMEX Blue user for years, thought I'd "upgrade" to an AMEX Platinum for extra money-back.

Not a slick experience, though:
- the application process required to PRINT OFF, sign and return a 30 PAGE application form/T&C document; made my home printer seat :mad:
- when card arrived, I tried to register for on-line services (to make it easy to pay off the balance on time; glitch in AMEX systems means I can't do this for 4/5 days yet
- tried to change the PIN I'd been sent to something more meaningful; glitch in AMEX systems stopped me from doing that too... "Try again in a week" was the hepful advice from AMEX help desk.

Not impressive service

Caro75

Hi,

I have a quick question about additional cards. My husband (who already has an AMEX account) requested an additional card (for me ). Will I get the same pin code as him or will I get a new one?

Many thanks

Caro

dark_star_3

I think you'll get your own pin codes (my amex isn't chip and pin yet)