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My husband has held a Platinum card since the ‘90’s and I’m a supplementary card holder, but he wants to downgrade because the travel insurance will no longer cover me, due to a pre-existing health condition, diagnosed in 2012 that only required medical treatment (antibiotics) for the first time last year. As I’m going to need to get a travel insurance policy for me and there’s not much difference in price adding him on I can’t see any advantage to continuing with paying for Platinum.
I’ve recently signed up for a Gold card, with the first year free and bonus points offer, and added him as a supplementary card holder. What would be the better card for him to request to downgrade to, as he has some membership points he wants to retain.
His next fee is due in March, how close to the fee day can you request the downgrade, can you ask for it not to be renewed and then downgraded, or will it be changed as soon as you ask? He hasn’t spent the £100 dining credit for this 6 months yet, and we’re going to be in London 2 days before he’s due to be charged, so we’d like to use that. If he downgrades the card on the renewal date will he still get the credit as it will have been used before the downgrade?
Don’t downgrade, refer him for a replacement card from your Gold. If you choose a MR earning card, customer services can merge the points balances. Then he can close the platinum. If he hasn’t had a retention bonus in the last 12 months it is likely he would be offered one. He can hit the target, bank the points and then close the Platinum. This strategy will yield the most points. Downgrade, you get nothing.
If it helps to know, I downgraded to the Gold card at the beginning of January, and the UK and aboard £100 credit is still showing in my Offers section as being active/saved. Two years ago, when I upgraded to the Platinum, I was able to use the Gold card’s Deliveroo offer when this same thing happened.
I used the dining credit at Ivy Soho and it was credited as soon as the payment cleared a day or two later. I then downgraded to the Gold. I could’ve used the £100 credit for Paris but decided to not bother since I find the list too restrictive.
If it helps to know, I downgraded to the Gold card at the beginning of January, and the UK and aboard £100 credit is still showing in my Offers section as being active/saved. Two years ago, when I upgraded to the Platinum, I was able to use the Gold card’s Deliveroo offer when this same thing happened.
I used the dining credit at Ivy Soho and it was credited as soon as the payment cleared a day or two later. I then downgraded to the Gold. I could’ve used the £100 credit for Paris but decided to not bother since I find the list too restrictive.
If you had attempted to use the error Plat credit after downgrade to Gold (and in fact the Paris list has a few quite good options) it would have been a bit Mandelson.
I’m in the opposite situation. Want to downgrade and the £100 dining hasn’t posted after being used last week. We all know this can take a while but will downgrading mean it will never post?
I’m in the opposite situation. Want to downgrade and the £100 dining hasn’t posted after being used last week. We all know this can take a while but will downgrading mean it will never post?
That’s a bit of a difficult one because in principle the offer should apply as at the time of using it, but the general offer terms do say “If your Card is suspended or cancelled, we will not award statement credits or points to you, even if you have met the offer spend conditions.”.
I don’t think that would necessarily or even be likely to stop a credit eventually automatically appearing if you downgraded (which is arguably different to cancelling the Platinum account) but if it doesn’t appear and you have to chase it, once you have downgraded they might choose to invoke that condition. In the meantime you are losing £1.75 of the offer value daily…
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