The HfP chat thread – Thursday 15th April

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The Original Nick. says:

15 Apr15 April 20:16

Thanks Rob.
GaryE says:

15 Apr15 April 20:59

Hi – not up to speed with Natwest Rewards as the Natwest is not my main banking account. Can I make 2 DD payments to the same person in consecutive days to count for the free rewards, providing I pay in £1,250 per month. Currently have one DD in and out of the account but could do one more DD each way in order to get the rewards? Forgetting rewards am I right in saying it costs £2 per month but we would get back £4 or £5 if using app . TIA
- CH says:
  
  15 Apr15 April 21:14
  
  Sounds like you’re confusing direct debits and standing orders. You get the £2 on each of two direct debits, and nothing back on standing orders.
  I’m assuming you’re talking about the reward current account here. Yes, costs £2 and up to £5 per month back.
Mike1 says:

16 Apr16 April 01:15

What happens if I have a refund that comes in after I hit the £15k threshold to trigger the bonus on Amex Gold?
- Anna says:
  
  16 Apr16 April 03:09
  
  It’s been reported that IF the MR points are still in your Amex account they will be clawed back. If you’ve moved them out before the refund hits, you’ll probably just end up with a negative balance. Amex certainly claws bonus/retention MR points back if you get a refund as this happened to me earlier this year when a flight was cancelled and I forgot which Amex I had paid on and had to generate a further £800 of spend to get the retention bonus back!
  - Jenny says:
    
    16 Apr16 April 08:16
    
    and what happens if you just dont return back to amex (or go back after 6 months?)
- Rob says:
  
  16 Apr16 April 09:37
  
  With the BA Amex, you need to re-earn the value of any refunds so I would imagine the same happens here. The bonus only comes at year end so I imagine it is only at year-end that they look at your net spend.