Luton Airport is getting an express train to London

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• Spaghetti Town says:

  22 Aug22 August 11:54

  OT: How will amex pay my pro-rata refund if i close the card with them?

  • Optimus Prime says:

    22 Aug22 August 12:00

    They’ll pay it into the closed card account. So if such account is now in credit and you have another card with them, you can choose to transfer the credit over. Otherwise you can ask for a cheque. Not sure if they do bank transfers (I always try and keep at least one card with them).

    • Spaghetti Town says:

      22 Aug22 August 12:20

      I’ll only have 1 card left with them after closing the 2 i have now, guessing they can just deduct it from the balance on my remaining card?

      • Optimus Prime says:

        22 Aug22 August 12:31

        Yes, you can ask them to do that via online chat.

    • Louie says:

      22 Aug22 August 12:55

      Does anyone know how they calculate the refund nowadays? I’ve been told how much I am due but can’t work out how they get to that figure.

      • John says:

        22 Aug22 August 13:05

        Divide the refund amount by the annual fee (£140, £195, £450, £575) and multiply it by 365. If that gives you a round number then it will represent a whole number of days that you supposedly held the card. If you were moving between the £450 and £575 fees then it gets more complicated.

        • Louie says:

          22 Aug22 August 13:27

          Lord knows what I was doing to not get a round number! I hold my head in shame. That works perfectly.

    • Polly says:

      22 Aug22 August 23:08

      Yes they will do bacs

  • Anna says:

    22 Aug22 August 12:15

    If you have a direct debit set up you can ask them to refund the money to the linked bank account. I always do this as it’s a much easier option than having to bank a cheque or try and extract the account credit.

    • John says:

      22 Aug22 August 13:07

      Some banks let you pay in cheques by app photograph now. Never had a problem moving credit between Amexes, but I guess that is not the ideal situation for those who like to pay Amex with Curve.

  • Mark2 says:

    22 Aug22 August 17:37

    I always make sure that I owe enough to soak up the refund.

• Grant says:

  22 Aug22 August 12:41

  OT – I am about to drop £10k+ to change my car. Dealership won’t take Amex and I’m not too keen on ~ £300 fee for Billhop. Dealer will also only take max. £2k on credit card and then wants rest as a bank transfer. I was planning on using my Virgin card for the £2k and then the bank transfer function on Revolut to do the rest – also on the Virgin card.

  I am wondering if I am missing a trick though by not spending on a new card given the sum involved is likely to trigger a bonus. Other than Amex we have done the IHG and Virgin cards and the only other one which jumps out is the HSBC Premier but I don’t currently have a bank account with them.

  • Spaghetti Town says:

    22 Aug22 August 12:58

    Get curve if you don’t have it, treated as a debit card and spend whatever your daily limit is. Just don’t tell the dealer.

    • Grant says:

      22 Aug22 August 13:04

      Thanks – I have Curve but I don’t think it helps since the £2k limit from the dealer side is credit and debit cards I think (but will check).

      Its not so much the method of paying that troubles me as Revolut should work ok but I’m more interested in whether I’m missing a trick by not getting a new card.

      • Spaghetti Town says:

        22 Aug22 August 13:13

        Ahh i see. Im not familiar with revolut so won’t comment 😀

      • Matt B says:

        22 Aug22 August 15:01

        Your revolut plan makes sense to me, my only thought is whether loading it with £8k will cause an issue.

        For the old virgin mbna card I did £2k OK, but the new virgin money iteration causes me trouble after just a few hundred quid.

  • Alex says:

    22 Aug22 August 15:12

    I had similar issues when getting my new car – dealer would only put £2K on CC but luckily did take AMEX. I personally did use billhop on my Gold Amex as it pushed us over the £15K spend to get an extra 10,000 points. So £300 for 10K points plus another 10K made sense for me.

    I would work out what you’d be paying per point for the £300 charge as it may well be worth it – especially if you know you’ll redeem for more

    • Grant says:

      22 Aug22 August 16:17

      A part payment via Billhop on to my BAPP would get me over the £10k to earn a companion voucher. My issue is I have no immediate need for a voucher and I will spend my way they in the next 3-4 months anyway.

      • Nick M says:

        22 Aug22 August 16:34

        You could imply that not being able to pay via card is a deal breaker… I would be surprised if they would risk losing the sale over the cost of putting the additional £8k onto a card

        • Genghis says:

          22 Aug22 August 19:40

          +1 make it part of your negotiation. I put all mine on cards in Jan.

        • Polly says:

          23 Aug23 August 07:33

          Agree, thats how l got the garage to agree to accept 3 x different amex cards to their limit to get a car. Was prepared to walk away. Esp these days, am sure it would be a dealbreaker.

• Nick says:

  22 Aug22 August 13:09

  EU 261 compo. flight of c2500km’s

  is it EUR 400 per person if over 3 hours delay.?
  Under 3 hours- its zero?

  • Polly says:

    23 Aug23 August 07:34

    Yes

• jason says:

  22 Aug22 August 14:15

  OT anyone got any latest timings on amex reward points to Hilton thanks jason

  • Young L says:

    22 Aug22 August 16:04

    I made two transfers lately. Transferred on Wednesday last week, points arrived overnight. Made another transfer on Friday, but this time no luck, still waiting for them to be posted.

    • jason says:

      22 Aug22 August 18:32

      thanks

• Heathrow Flyer says:

  22 Aug22 August 14:25

  BA Annouce new St Lucia Flights for S20.

  LGW UVF: 2pw additional Summer service between 4th July and 29th August 2020

  LGW MCO and LGW LAS 1pw reduced service each for the same period.

  Usual Avios seats should be available for booking now.

• Spaghetti Town says:

  22 Aug22 August 14:51

  OT: Following on from yesterdays discussion, has anyone made any money with free trade?

  • Mike Bickle says:

    22 Aug22 August 16:30

    Capital On Tap – A lot of suppliers will only take debit cards. 😭😭😭

• DaveL says:

  22 Aug22 August 19:04

  OT – Air New Zealand award availability on United.com appears to have disappeared in the past week. It might be just me, or certain routes, but it’s weird. I’ve been checking daily for space on the right days, and there was always *some* availability.

  Anyone know of other websites where you can check ANZ partner award availability? I’m used to checking United.com but booking via Virgin Atlantic

• Russ says:

  22 Aug22 August 20:01

  OT, I have an email promoting MileagePlus’s UK shop. Is the door opening for a UK credit card?

  • New Card says:

    22 Aug22 August 21:30

    Where’s the UK shop? Can’t find it…

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