[deleted] OP t1_je2e88o wrote on March 28, 2023 at 10:25 PM

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Ricky0524 t1_je2i7m2 wrote on March 28, 2023 at 10:54 PM

Just called they said, they have the responsibility to tell you about the 12 month when upgrading but not when downgrading. And I won’t be able to get the points back even if I upgrade back to platinum.

[deleted] OP t1_je2jm9n wrote on March 28, 2023 at 11:04 PM

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Ricky0524 t1_je2kgq1 wrote on March 28, 2023 at 11:10 PM

Wow that’s a nice rep. I should’ve been more careful, and it’s a small price to pay to be more careful next time with things.

[deleted] OP t1_je2jmyq wrote on March 28, 2023 at 11:04 PM

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codece t1_je2gi32 wrote on March 28, 2023 at 10:42 PM

Yeah maybe. But if they did it'd cost $695 to save $930 of points (still $235 ahead though.)

AmEx is known for clawing back the SUB if you don't hold the card for 12+ months. Their AF for Gold or Platinum really sucks the joy out of the SUB if you can't make use of the extra perks you're paying for. That's what is personally keeping me away from AmEx for the time being. I don't use Uber and there isn't a Cheesecake Factory near me, but if so I'd consider the AmEx Gold for the $240 credit I could get back.