美国运通（American Express）信用卡年费返还条例变化

经常申请信用卡的人都知道，美国运通（American Express）的一些开卡奖励高，福利好的信用卡都是有年费的。有的第一年就收，有的从第二年开收。如果拿到开卡奖励后，你不想第二年保留这张卡的话，要记得及时取消它。你当然可以在第二年收年费之前取消，这样就不会有第二年收年费的问题；以前也可以在收了年费之后的几个月之内取消，美国运通会返还你的全部或部分年费。但是最近美国运通改变了它的年费返还条例，你必须在收了年费的那个账单的截止日期后的三十天之前取消才可以拿回年费。具体的条例改变如下：

If an Annual Membership fee applies to your Account, 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.

For example, if your Annual Fee is charged on a billing statement on which the Closing Date is April 2, you have until May 2 to voluntarily cancel your Account and receive a full refund.