We may receive a commission when you use our links. Monkey Miles has partnered with CardRatings for our coverage of credit card products. Monkey Miles and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. We appreciate you using our links!!!
Update: My potential 100k mistake
Man oh man, it never hurts to ask, and it never hurts to also have a long standing relationship. In case you missed it, I made a rookie mistake and missed my min spend on the Hilton Surpass card by ~$30 and never received my 100k bonus. I waited, waited some more, reached out, waited more, and finally followed up…twice. In the end, it worked out really well – my potential 100k mistake was just that – potential. American Express did me a huge one and credited me the 100k from the sign up. I have to say…Amex is securing me as a customer and building loyalty. It was my mistake, but they forgave it and didn’t hold it against me. Hopefully this incentives other people who have made similar follies to follow up and ask…It never hurts.
My Potential 100k point mistake
Earlier in the year I signed up for the American Express Hilton Surpass 100k offer. It was a 100k bonus HHonors after $3k spend and the annual fee wasn’t waived. AHHHHH the annual fee wasn’t waived…this is a big thing to remember because I had been tracking my payments. This was an extremely busy time during the year for me: I was filming a movie, traveling constantly, and also in the process of moving and completing a renovation. It was hectic. A little brainfart may have cost me 100k bonus points. This the story of my potential Amex 100k point mistake!
I contacted Amex in September to ask about the points
I had an extensive discussion with them via online chat in regards to the offer and it was THEN that I realized what I had done. The mistake I made was that I had counted the annual fee in my spend – I was $30 short of $3k. This is clearly stated in the terms and is consistent across the board, but I just forgot to exclude it. I applied in April, hit the $3k in early July, and kept looking for the bonus points. I couldn’t believe it – I knew the terms and it was my fault. The rep could not have been nicer. He submitted a claim and told me that if it were up to him he would just give me the points, but his hands were tied because of the offer terms.
It’s December and I’ve never heard a response – so I called.
After 40 mins on the phone and providing my Application Reference number I was given a Marketing Case ID Number. If this ever happens to you, please write both of these down. If I didn’t have my application reference number I would never have gotten this far. I spent 40 mins on the phone speaking to a rep and she said there was no bonus offer ever associated with my account!!!OMG!!!! What was happening – things were getting worse! BUT THEN I REMEMBERED I HAD MY APP REF #. It wasn’t until after the I provided the Application Reference number that she located it. PHEW! She said there were no updates. I asked if I could speak with Marketing. Nope. Ok. I thanked her for her time and she wished me luck.
Yep, I HUCA’d. I explained the situation and provided the case ID. This rep was also able to pull up the online chat I had back in September and could see the claim had been filed with marketing. He put me on hold for 10 minutes. He came back with the same news! NO UPDATES. ARGH!!!!! I asked him if there was any way of speaking with marketing, and got the same response. He did, however, say he would speak to his manager. BACK ON HOLD.
He came back 5 minutes later and said I should have a response by Friday as they put an extra note on it. He said he really hoped they honored the points. I also mentioned that I’d like it to mention on the account that I realized that it was my error, but was hoping that my long history with Amex ( over 14 years now ) and how much I valued our relationship would convince to overlook the error and award me the points. He told me not to worry and people make mistakes – again a super nice rep.
I’ll let you know how it ends – but fingers crossed.
Annual fees never count towards a spend requirement. I was silly enough not even think to look for it, just to pay attention to my cumulative spend. I’ve been accustomed to fees being waived the first year, unless it’s a $450 super premium card, that I just didn’t think twice about it. I saw the cumulative spend over $3k and stopped spending on it. I had a lot on my plate and made a mistake. I’m really hoping that my history with Amex and the spend I consistently put on other cards is enough for them to do me this solid. But we shall see.
Hopefully this will be a lesson to every one reading this! My potential loss is your gain.
Monkey Miles has partnered with CardRatings for our coverage of credit card products. Monkey Miles and CardRatings may receive a commission from card issuers
A Monkey Miles favorite for beginners and point pros alike because it earns very valuable points in both dining and travel. Enjoy an all time high sign up bonus as well!
♥ Earn 60k Bonus Points after $4k Spend in 3 months
♥2x on dining + travel worldwide without cap
♥Earns some of the most valuable points in the industry