A reader told me that their Schwab AF got posted the other day and with that, AMEX also re-billed her $50 for a Saks credit that she earned back in January 2019. Technically, she didn’t “earn” the credit back in Jan 2019, but the fact that AMEX went back through her history that far back was ruuuuuthless. I guess the AF triggered the review; kinda scary that years down the road, you’ll get a bill in the mail for some clawbacks from back in the day.
