American Express信用卡年费退还的规定变化

以前American Express信用卡年费退还的规定是很大方的：如果你在收年费的那个账单上的截止日期（Closing Date）之后的30天之内取消信用卡，年费都会被完全退回。超过30天，年费也会按比例退回。

从2016年9月1日起，American Express信用卡年费退还的规定有了变化。如果你在收年费的那个账单上的截止日期（Closing Date）之后的30天之内取消信用卡，年费还是会完全退回。但是超过30天，年费就一分也不会退回了。

American Express信用卡常常有开卡奖励，而且第一年免年费。所以如果你只是为了拿信用卡的开卡奖励，要记住过了一年以后，在收年费的那个账单上的截止日期（Closing Date）之后的30天之内取消信用卡，这样就可以避免被收了第二年的年费。

规定变化的原文如下：

Closing your Account 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.