To be eligible for return protection, an item must have been purchased entirely with an Amex card. You need to try to return the item to the original retailer within 90 days of the purchase date, and you need to contact Amex within 90 days of the purchase date to initiate the claim., which mostly consists of things you wouldn't expect a store to take back — like perishables, consumables, media , healthcare items, seasonal goods, and gift cards. Jewelry and watches are also excluded.
The explanation field can be something as simple as "Merchant does not accept returns after 30 days" or 'merchant does not accept returns on sale items' 10. Review the information you submitted, read the required anti-fraud disclosures and check the "agree" box, then click Submit and wait for Amex to contact you.Within a few days, you should get an email from American Express asking for any documentation they require - typically just a copy of your itemized store receipt for the items.
Once you've submitted those documents, you'll get another email from Amex letting you know that your documents have been received. At that point, sit back and relax. In most cases, you won't need to do anything else – they'll let you know if they need more information, otherwise, you'll just get a follow-up message letting you know that the amount will be posted as a credit to the American Express card you used to purchase the item.
In some cases, Amex will require you to ship the item to them before it refunds you for the purchase – if that happens, Amex will cover the cost of shipping. Return protection is a super valuable benefit, and luckily it's available on virtually all American Express cards. It takes just a few minutes to file a claim, and most claims can be handled entirely online without having to pick up the phone.
I asked amex to decline a charge and resolve it for me and they did. It was an annual renewal that I wasn’t aware that I had agreed to. They did it. No problem. Much easier than dealing with the company that charged me.
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