It's an interesting question that I've wondered about too. My wife was pursued by AmEx - first she got a Gold offer that we ignored, then another Gold offer (ignored again), and then finally a 100K Plat offer that we accepted. I've not heard a peep from AmEx with any offers for myself.
We both have Starwood AmEx cards. I am guessing that AmEx knows her from that relationship?? Could that have been a factor?
What is different about her and me?
- It's not individual income. My income is far higher than hers. I work full time and she works part time.
- It's not credit card utilization. I use my cards more, and charge more, than she does. I charge more on my Starwood AmEx than she does on hers.
- It's not our overall credit card portfolio. She and I have similar cards.
Only 2 things stand out in my mind that might have led to AmEx targeting her:
- We recently refinanced our home loan. As part of the process, our credit scores were disclosed. We both have excellent credit. My average FICO score was in the range of 780-790. She was a little over 800.
- She is far better looking than me. I can't blame AmEx for going after her.