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American Express has an online feature that allows you to request any credit balance refund without having to contact customer representatives. Moreover, you can request the credit refund back to your other eligible Amex card or your linked bank account, all online. The process is straightforward, and I’ll walk you through it.
Amex Credit Balance Refund Options
When you use an Amex credit card to pay, and the merchant refunds you the money back to your Amex card, you have three options:
- Continue spending on the card to use up the refund amount, and the Amex system automatically takes care of it.
- Request the credit balance refund back by having Amex send you a check in the mail.
- Request the refund back by transferring the credit balance to another eligible Amex account of yours.
How to Request Amex Credit Balance Refund Online
On your computer’s desktop:
- Go to the official American Express website and sign into your account.
- Select the Amex card that you want to request the credit balance if you have multiple Amex cards.
- Note down the credit balance refund amount, as you will need it later.
- Click on Account Services at the top of the page.
- Click on Disputes
- Then, click on Request Credit Balance Refund
- Confirm your email address on file.
- Select the “I have a credit balance on my account” option, and click Continue.
- Enter the amount of the credit balance refund that you have noted down in step 3.
- Last, select whether you want the refund back as a mailed check or transfer to another of your Amer accounts.
- Process times per Amex:
- Mailed check usually takes 5-7 business days. Note: Mail delivery times may vary.
- Transfer to another one of your American Express accounts usually takes 1-2 business days.
- Process times per Amex:
Conclusion
Amex’s online functionality allows customers to request a credit balance refund easily. You can request the balance refund in the form of a check that Amex will mail to your address on file or transfer the refund to another one of your Amex accounts. You can do all that online within the Account Services section of your Amex account without contacting Amex’s customer service.
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