My partner has some big purchases coming up, so is thinking of signing up to Amex platinum for the bonus (and status with various hotel chains) then cancelling ASAP to get most of the annual fee refunded. A few questions before she does so: - if she hits the spending target in the first few days, how quickly is she likely to be able to take the bonus and then cancel? I'm guessing a month or so? - if she gives someone a supplementary card, will that be a financial link that shows on credit checks etc? - if she refers me for a card and then cancel before I've met the qualifications for the bonus, I guess she won't get the referral bonus? Thanks, and sorry about the basic questions!