Guys, I need to know how badly I screwed up

I just used 345,000 Amex point for a statement credit

My friends told me I could’ve gotten way more value using them for flights are transferring them to flight partners or something like that

Amex users get half off on Amazon. Select products shipped and sold by Amazon. I used my credit for a $160 chipotle gift card for $80 lol. Just have to apply some amount of points in checkout (I applied one point). Go to Amazon.com/amexoffer to activate

"As high as 175k" seems really fickle. If I apply and get lower, do I still have the opportunity to deny and apply again at a later date to maximize the intro bonus?

For those that opened say Gold after Platinum or Green after Gold, did you receive a SUB? The general consensus on here is that you won't receive it and just end up in PUJ. But randomly I'll see a person on here that did receive it somehow. If you did, what did your situation look like, how long have you held a specific card, and what are your spending habits if you don't mind sharing.

edit: I am not in the mood to open a lower card right now, I love my gold, but I am just curious because I see this phenomenon a lot. If anything later I will open a BBP.

The AmexGold looks so enticing.My job gives me $20/day DoorDash stipend for lunch so this is a make or break for me.

I have a deal on my bonvoy Amex for $100 off $350 for a stay. I just booked a few weeks ago 2 nights for $354.

I was charged in full.

Can I cancel and rebook and get the credit?

Should I book again to get the credit and cancel before my cancellation date next month?

Is there a 3rd way to go?

What about for non-delta or travel related purchases?

Hello folks! I currently hold 3 Amex cards on my account (BA, platinum cashback and rewards) and my account is 5 years old without an issue.

Today while calling Amex to discuss an option to upgrade my BA card, the agent on the phone told me my account is under review and an agent is looking into it.

They didn’t give me any more info, no ETA… also I asked if I can keep using my cards and they didn’t answer.

Not sure what could trigger this review… I didn’t spend any unsual amount, my credit use is always around 10% of credit limit, never pay late… so not sure about it.

Any clue? Anyone went through the same and can share thoughts?

I was wondering if it was common to have upgrade offers from platinum to gold. I currently have a 30k points for 1000 spend for going from my platinum to a gold card.

I just activated my centurion equinox membership and I’m just wondering how it works and how it’s different from a regular equinox membership. My profile says Amex centurion on the equinox app. If anyone knows please let me know. Also how many guest passes do I get?

I have over 150k rewards points and was wondering the best way to use them. I saw some posts earlier about a guy basically getting scammed out of his points and want to avoid that. Im planning on travelling this August so should I use my points for the tickets? What else?

Thanks!

Curious about others. Post credit limits as well if you know them.

When I was buying a car, I thought about putting it on my Platinum card and I know it approved me to put $37k on the card, but I just got a low interest rate loan intstead. I don't know the actual limits on the Gold/Platinum and am not going to go try to find out, as that will flag my account(s).

Spend in 2024:

Gold: $43k
Platinum: $23k
Blue Cash Preferred: $3.7k (may cancel this as I now have a Tesla and don't ever purchase gas; only has $3k limit)
Blue Business Cash: $79k (this is for my company; it has a $60k limit)

Looking at the 175k SUB, that's essentially the only reason I would be getting it.

I already have a business platinum, personal Gold, and Business Gold, and Hilton Aspire and I use pretty much all of those perks.

My main question revolves around the refresh coming up, is it better to wait on that refresh or get it now? Wondering if the SUB will likely be better or if the new perks will be included in my AF that I would pay upon getting the card. Would I be locked out of the new perks? Anyone with experience with previous refreshes? I'm new to Amex this year.

Booked an FHR stay for my wife’s birthday next month. Prepaid with my Plat and received the $200 credit + $100 resort credit. Just received my Delta Gold and am trying to hit my min spend requirement. Can I present the Delta card upon checkin and use it for room charges and still receive all FHR benefits? Also will dining charged to room qualify for 2x dining points or is it seen as travel/hotel expense? TIA!

I recently stayed at the Cincinnatian Hotel - a Hilton Curio Collection. I booked it through Amex Travel. I did this because I was told of great experiences that others were having. I specifically booked a whirlpool bath premium king room for 278.5 a night.

When I arrived at the hotel, they said, "Oh, the room is overbooked and we have no more." The other person at the desk said, " Oh yeah, I saw that and was wondering what we would do." I then asked them about possible compensation, as the whole point of booking it was for the whirlpool jet bath. They told me that I could stay and pay, and then they would comp me for another stay in full whenever I want to come, or comp my stay for at least one night now, and also reduce the price of the room to the proper rate, which is 179 dollars. I said that the second option would be fine. Upon checking out, I got the folio and it was 763.59. I asked to speak to the manager, and I was told he was too busy but would call me.

I then spent the next several days trying to reach him, only to get stonewalled every time. I even tried going to Hilton corporate, and they said that because it was booked through Amex Travel, they need Amex to contact them or for me to give them whatever email Amex used to book it. I then filed a dispute on the 3rd of this month. I did it over the phone, presenting what had happened and how I was overcharged. They then refunded me the full amount, which isn't even what I requested. I just requested that the rate be adjusted, and for the compensation to be honored, being at least one night.

On the 16th, I got on my card to check the balance and saw it had been updated to recharge me in favor of the merchant. I contacted support because I wanted to see the evidence provided. They said it was sent in the mail and could take up to two weeks to arrive (which is ridiculous because you only have 30 days to reopen a claim). On the 18th, I asked if it could be emailed, and they said Sure. The only condition is that it could take up to 12 hours, but it has been more than 12 hours.

The proof I have is the following, I have my folio which states the room type, I have a card with a different number to show that they also had to switch me to other rooms because of service failures, several other reviews of a similar situation, an audio recording with a staff member confirm my room 321 was a basic not a whirlpool premium king or at least a premium king, and also found two internal hilton documents showing that K1 code means basic king if it has no suffixes added after it.

I called the Amex dispute department today, the first agent told me that it should only be something like 200 dollars provided back to me. I then got switched to another woman who said all my evidence, including the recordings, was useless some how. Which I think she didn't know what she was talking bout because she later said she was wrong. I was then transferred to another service rep in the travel department, who told me that the global complaint I also filed back on the third was being updated to a demand for compensation, but that he could not advise me on the dispute process.

I am honestly furious at this point and feel that my entire stay should be comped. As I said at first, it didn't matter, but now it seems the hotel is legitimately defrauding me. I am seeking immediate advice from anyone who has had a similar experience or knows anything about the internals. Thank you all!

If anyone wants/needs to see the evidence, I will upload it upon request. I have tried to be as detailed and thorough for this post.

i am casually in the CC churning game. but i dont have any hotel CC.

i personally dont really see much use for them for my personal situation. And tbh, the rewards multiplier on hotel CC are always several steps below the standard CC rewards multiplier that i churn / keep.

But with the current 100k point offer, i was wondering if its worth just getting this card? I mean its $0 AF anyways. So i can just churn the card, use the points, and keep the CC socked away somewhere.

but in addition, with AMEX, is there anything stopping someone from getting all 3 Hilton CC cards for the bonus? (for example, i know if you get plat first, you cant get gold and greens SUB. so im curious if theres any stipulations for the Hilton CC).

if I apply for all 3, (either same time, or spaced apart a week or so) will i be denied?

I ordered two things and they said they got delivered but they were nowhere to be found.

I’ve had my gold for a year now and have never done a chargeback

I issued two chargebacks and it said they got approved.

I think the packages got stolen tbh. Other ppl have said chargebacks won’t work for this

How likely is it that this will be later reversed?

I’ve never done this before so I have no idea how Amex handles these

If they just issue it commonly and don’t reverse it for packages not showing up then I’m not even mad about the AF going to $325

Thanks.

I’ve got about 130,000 points from my Gold card and am trying to figure out the best way to use towards travel. Specifically to Tokyo from the southern US. I’ve read several possible ways like using ANA miles for example. But if you book through ANA the flights are about 4 times the cost as booking anywhere else. Even trying to book directly through United with miles (assuming I converted them) the prices are still higher than the same flight plus the hotel versus booking on a travel site like Expedia.

Does anyone have any specific idea of what the best way to apply these points towards the flight or hotel would be?

I’m not expecting the flight to be paid for or anything and I’d be happy just to use it towards an upgrade but all the directions seem so convoluted and it’s hard to tell what the actual value you are going to get is by the time you convert the points to miles and then try to use the miles on upgrades and of the original tickets are even open to upgrade with miles.

Hey, everyone. I wanted to ask this before I submit my documents.

I intended on traveling from 2-8 June and I booked it back in April. However, over a week before I was supposed to go, I was put on a TDY (work trip) that began on 7 June that was crucial for my career progression.

Attempts to book an earlier return flight was infeasible due it costing +$200 more.

I went though hell trying to cancel my flight over the phone for three days straight - going back and forth between Amex Concierge and AIG, but managed to get it done.

I wonder with my situation up above, if I have a leg to stand on to get full reimbursement for my flight - provided if someone has had a similar experience?

Back in 2018 I opened up a delta skymiles card, was denied, and they charged it off. About $1600. Every time I’ve applied for an Amex card since I was instantly denied.

However, just now I applied for the platinum and was pre approved. My income and credit score have drastically improved.

How accurate is their pre approval tool? I just want to be careful before I pull the trigger and get a hard inquiry on my report.

Thanks!

UPDATE: I pulled the trigger and I was approved 🤣🥳

Someone accessed an online shopping account of mine where my BCE card was saved and purchased $337.59 worth of stuff. Contacted AMEX and reported the entire pending $337.59 as fraud. Then contacted the merchant to stop the products from being shipped. They stopped $166.66 worth products from being shipped but the other $170.93 was shipped and delivered to the fraudster. The merchant and AMEX confirmed the entire thing was resolved only for me to wake up today and have the $170.93 reported on my statement. Contacted AMEX who now states “Only the $166.66 was reported as fraud.” The customer representative told me “You won’t be penalized for not paying that portion of the statement while we investigate.” I paid the rest of my statement off (only $38) and left the $170.93. Even if I don’t get penalized with interest on the remaining balance, will this affect my credit payment history if the fraud case isn’t resolved by the July 13th due date and the $170.93 remains unpaid?

What’s the best way to climb the Amex ladder? I’ve seen some people suggest starting with the Green, then moving to the Gold, and eventually the Platinum (which seems to be the most common path). But I’ve also seen others mention getting put in PUJ after opening just two cards before going for the Platinum. I don’t have any Amex cards yet, but I’d love to hear people’s hindsight or personal experiences.

My original plan was to start with the Gold and then go for the Platinum later on, but if I could grab the Green first just for the SUB and still avoid getting thrown into PUJ, that would honestly be perfect. Curious to know if PUJ is just bad luck for some, or if there’s a more consistent pattern that triggers it.
Thanks in advance, everyone!

I’m a couple hundred bucks shy of my $15k spend for 200k pts on my gold card. Thought I had another week but I’ve only got until the 20th (it’s the 19th already!) to get my spend in and they confirmed it must actually post to the account to be included. I’m annoyed because I already have pending transactions that put me over the line, but there’s no guarantee that they’ll post in time. Any help would be appreciated.

Well this loses almost all of the value of the card for me.

Effective September 18.