Charge Card 付款錯過Due Date會導致MR點數被收回 (Forfeited)

編者註:最近我的一個朋友因為AmEx一張charge卡付款錯過了due date,發現在這種情況下AmEx會收回 (forfeit) 這個賬單周期賺到的MR點數。解決方案其實很簡單:需要付錢給AmEx,花一些就可以買回這些點數。以下是他的詳細描述:

我的一張Amex charge card 的 due date是5/9號,差不多金額是2w5左右,正好那周比較忙我就給忘了,amex 5/9 charge了late fee 38刀。5/11登錄賬戶才發現的,當天直接給客服打的電話,late fee被waive了,前提是客服說必須讓我現在把上個statement(誤了due的上一個statement)和新的statement(5/9新出的這個statement)立刻馬上都付掉才可以(原因是今年年初已經無條件waive過一次了)。我就是立刻schedule的payment。

今天想看一下pending了多少MR points的才發現,有被沒收 (forfeited) 的點數:

被 forfeited 的原因是錯過了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.

點擊amex給的reinstate forfeited points的鏈接,發現要花35刀去 reinstated,我是34xxx點,35刀,不知道這個35刀是固定的還是按比例算的。期限是24個月內。

在付了錢之後,點數就恢復 (reinstated) 了:

編者註:這個故事給了我們兩個啟示:

  1. 要經常查看一下你常用的點數賬戶,看看是不是發生了啥沒有預料到的事兒,如果有的話儘快補救;
  2. 強烈大家設置autopay,即使不想設置全額還款也要設置還minimum payment,以避免悲劇發生!

若喜歡本文,別忘了給個五星好評哦!

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