我朋友的退成了，但看很多人反映，客服不愿意了，感觉应该培训了。散了吧。
17 个赞
年费不给退从法律上合规吗
GPT Research出来的结果
Annual Fee Refunds on Account Closure – State-by-State Analysis
American Express’s Cardmember Agreement generally states that annual fees are refunded only if the cardholder voluntarily closes the account within 30 days of the fee posting; after 30 days the fee becomes non-refundable . Moreover, if Amex itself cancels an account for “indicia of misuse” (suspected abuse of rewards, bonuses, etc.), it typically will not issue any refund of the annual fee – even if the closure occurs shortly after the fee was paid (this scenario has prompted consumer complaints, e.g. one user said Amex “couldn’t refund it” and it “feels like theft” ). Whether Amex can legally withhold such refunds depends on state law. Below is an overview for all 50 states, focusing on any consumer protection laws requiring pro-rated or full annual fee refunds when an account is terminated early, and noting if any state laws override Amex’s no-refund policy. We also highlight any notable legal challenges or complaints regarding Amex Platinum and Gold card closures (which carry high annual fees).
Table: State Laws on Annual Fee Refunds upon Early Account Closure
| State | Refund Required by Law? | Overrides Amex Policy? | Notable Challenges or Actions |
|---|---|---|---|
| Alabama | No (no specific refund law) | No (Amex policy governs) | None known (no legal precedents) |
| Alaska | No (no specific refund law) | No (Amex policy governs) | None known |
| Arizona | No (no specific refund law) | No | None known |
| Arkansas | No (no specific refund law) | No | None known |
| California | No explicit statute (general consumer laws only) | No specific override (would rely on general unfair-practice laws) | No recorded cases compelling refund |
| Colorado | No (no specific refund requirement) | No | None known |
| Connecticut | No | No | None known |
| Delaware | No (pro-bank laws, no refund rule) | No | None known |
| Florida | No | No | None known |
| Georgia | No | No | None known |
| Hawaii | No | No | None known |
| Idaho | No | No | None known |
| Illinois | No | No | None known |
| Indiana | No | No | None known |
| Iowa | No (no refund mandate in state law) | No | None known |
| Kansas | No | No | None known |
| Kentucky | No | No | None known |
| Louisiana | No | No | None known |
| Maine | No (state guidance says no obligation) | No | None known |
| Maryland | No | No | None known |
| Massachusetts | Yes – pro-rata refund required | Yes – state law overrides | No major disputes (law is clear) |
| Michigan | No | No | None known |
| Minnesota | No | No | None known |
| Mississippi | No | No | None known |
| Missouri | No | No | None known |
| Montana | No | No | None known |
| Nebraska | No | No | None known |
| Nevada | No | No | None known |
| New Hampshire | No | No | None known |
| New Jersey | No | No | None known |
| New Mexico | No | No | None known |
| New York | No explicit law | No | None known |
| North Carolina | No | No | None known |
| North Dakota | No | No | None known |
| Ohio | No | No | None known |
| Oklahoma | No | No | None known |
| Oregon | No | No | None known |
| Pennsylvania | No | No | None known |
| Rhode Island | No | No | None known |
| South Carolina | No | No | None known |
| South Dakota | No | No | None known |
| Tennessee | No | No | None known |
| Texas | No | No | None known |
| Utah | No | No | None known (Amex issuer is based here) |
| Vermont | No | No | None known |
| Virginia | No | No | None known |
| Washington | No (refund laws cover gym/health clubs, not cards) | No | None known |
| West Virginia | No | No | None known |
| Wisconsin | No | No | None known |
| Wyoming | No | No | None known |
我在加州 我已经打过很多次电话
没有一个说能帮我refund的
如果谁成功了 麻烦分享下 谢谢
1 个赞
客服回复说在系统里没看到可以退款咋办
你知道你的通话是录音的对吧？
1 个赞
打了好几个最后客服说submit了个global complaint。。？这是对的操作吗
没事儿，大不了就是把其他国家的amex卡也鲨了 
1 个赞
没用的 我的也说：真的无能为力了 系统不会让我submit request for refund。 您可以file a complaint
Huca, 找愿意交申请的， 我朋友打了四个才找到一个愿意交的
对，我昨天下午刷到马上叫我朋友试了，确实管用了。看到泥潭没人发，还有人问，我就发了。
知道啊，反正被杀的情况下，你还在意吗？
1 个赞
我朋友打了四个，可能本来就很ymmv？
Fraud警告
会clawback吗
客服能看到记录，说你已经问过几次了，不能退
这是让AMEX鞭尸吗
提问一下，如果是关卡时post的年费但是还没到due date的需要找客服退吗
能dispute掉吗 