Charge Card 付款错过Due Date会导致MR点数被收回 (Forfeited)

编者注:最近我的一个朋友因为AmEx一张charge卡付款错过了due date,发现在这种情况下AmEx会收回 (forfeit) 这个账单周期赚到的MR点数。解决方案其实很简单:需要付钱给AmEx,花一些就可以买回这些点数。以下是他的详细描述:

我的一张Amex charge card 的 due date是5/9号,差不多金额是2w5左右,正好那周比较忙我就给忘了,amex 5/9 charge了late fee 38刀。5/11登录账户才发现的,当天直接给客服打的电话,late fee被waive了,前提是客服说必须让我现在把上个statement(误了due的上一个statement)和新的statement(5/9新出的这个statement)立刻马上都付掉才可以(原因是今年年初已经无条件waive过一次了)。我就是立刻schedule的payment。

今天想看一下pending了多少MR points的才发现,有被没收 (forfeited) 的点数:

被 forfeited 的原因是错过了due date:

Why it is forfeited? You did not pay in full within one month of closing date on your Charge Card billing statement or did not pay the minimum balance on your Credit Card billing statement before the due date.

点击amex给的reinstate forfeited points的链接,发现要花35刀去 reinstated,我是34xxx点,35刀,不知道这个35刀是固定的还是按比例算的。期限是24个月内。

在付了钱之后,点数就恢复 (reinstated) 了:

编者注:这个故事给了我们两个启示:

  1. 要经常查看一下你常用的点数账户,看看是不是发生了啥没有预料到的事儿,如果有的话尽快补救;
  2. 强烈大家设置autopay,即使不想设置全额还款也要设置还minimum payment,以避免悲剧发生!

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