风险预警!账户奖励积分被追回

上一篇文章《北美信用卡“灰色玩法”浅析》分享了关于美卡的一些内容,今天的文章继续关注美卡玩法动向。

下面内容来自美国知名博主DOC的分享,觉得有必要让大家知道。英文原文:点击查看

American Express Claws Back Referral Bonuses For ‘Self-Refer’ Usage

美国运通追回那些使用信用卡账户的自我推荐功能获得的推荐奖励。简单来说,这算是一种擦边球玩法:通过自己账户上A卡的推荐链接生成另一张B卡的申请链接,然后自己通过这个申请链接申请开卡,获得推荐奖励。

而现在,美国运通已经盯上这一做法,震惊的是:美国运通开始收回部分人通过这一方式获得的推荐奖励点数。

值得注意的是,去年运通已经给那些拿了推荐奖励的美卡用户送去了1099misc税表。而现在居然要收回自我推荐的推荐奖励,也真的是让人摸不着头脑。目前事态还不清晰,有待进一步观察。

因为玩这个REFER的朋友基本上应该都懂一些英文,因此我将原文直接贴在下面:

American Express is clawing back the referral bonus Membership Rewards points for someone who referred themselves to signup for an Amex card. A few important notes about the claw back:

(更新:根据最新DPs,目前运通不仅对MR点数卡下手,里程卡,返现卡,酒店积分卡的推荐也都已经纳入这一风控监管体系)

  • Affecting both personal and business cards. (Not clear if business > personal or personal > business referrals are getting claw back; a logical case could be made that those don’t deserve to be clawed back.)
  • It appears NOT to be affecting people who refer a spouse. (This makes sense, hard to see how they could claw back such a thing.)
  • One report of 30,000 being clawed back, so I’d say any amount is game at this point.

The biggest craziness here is that Amex has already sent out 1099s on referral earnings during 2018. So we paid taxes on them, but don’t end up with the money. Here’s a nice breakdown of what to do for those in this situation.

Additionally, there are sporadic reports of affected Amex members seeing their Membership Rewards accounts locked, making them unable to transfer out points. Schwab transfers are still working, though, for some reason. (时有运通账户被锁的案例出现

Amex is sending out an email with information on the claw back:

运通的警告信如下:如果继续这样干违背运通条款的事情,将可能导致如下后果——没收点数,暂停使用点数,暂停赚取点数,关闭相关积分账户,关闭全部运通卡)

根据美卡指南的说法:

根据 Amex 最近的一系列动作,可以预见的是各种通过漏洞或者擦边球获取利益的行为将会继续被封堵,大家如果有打算继续走类似路子的,至少要做好心理准备,说不准哪天就被“清算”了。

更多常旅客相关促销介绍及常用链接,请查看:ffpbug.com/links

本文发布在常旅客网站 ffpbug.com 转载请注明出处并引用本文链接。

赞 (0)