可能是前陣子流出的 AMEX Platinum 100,000 MR，以及最近 AMEX Platinum 梅賽德斯-賓士版的 75,000 MR 開卡獎勵，讓 AMEX 開始重新考慮年費政策。根據 Reddit 和 DoC 的消息，AMEX 已經悄悄修改條款，原本可按比例（Refund pro rata）退還的年費，改成 30 天後不可退款。
重點摘要
自 2016 年 9 月 1 日起，若你在含有年費的帳單結帳日後 30 天內主動關卡，AMEX 會全額退還年費。若超過這段期間，年費將不予退還。帳單地址位於麻薩諸塞州者不適用此條款，仍可按比例退還年費。
條款原文
Effective September 1, 2016, in Part 2 of the Cardmember Agreement, we are amending the Closing your Account sub-section in the Other important information section by inserting a new paragraph after the first sentence:If an Annual Membership fee applies, we will refund this fee if you notify us that you are voluntarily closing your Account within 30 days of the Closing Date of the billing statement on which that fee appears. For cancellations after this 30 day period, the Annual Membership fee is non-refundable. If an Annual Membership fee applies to your Account, it is shown on page 1 and page 2 of Part 1 of the Cardmember Agreement.
If your billing address is in the Commonwealth of Massachusetts at the time you close your account, this policy will not apply to you.
我剛申請了白金卡，該怎麼辦？
由於新政策要到 9 月才生效，嚴格來說，你仍可在生效前要求按比例退還年費。不過，才剛開卡幾個月、剛拿到點數就關戶，很容易惹毛 AMEX。
