FlyerTalk Forums - View Single Post - Alternating personal, Mercedes, and Business Platinum cards [USA].
Old Jan 15, 2013, 3:01 pm
  #6  
mia
A FlyerTalk Posting Legend; Moderator: American Express, Capital One, Citi, Chase, Credit Card Programs, Diners Club, Signatures
 
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,877
Originally Posted by redtop43
... That wording is cryptic, because if you "had" say, an Amex PRG in the last year, you would by definition have "had" an Amex personal card in the last 90 days. Some have interpreted "had" to mean "applied for."
I think the wording is unambiguous. If you had a personal charge card open at any time in the last 90 days you are not eligible for a new account bonus on any personal charge card, and you are not eligible for the same card if it was open any time in the last year. Likewise if you had a Business charge card open at any time in the last 90 days you are not eligible for a new account bonus on any Business charge card, etc.

It is American Express' implementation which as been inconsistent. Early reports were that American Express looked only to see if an account had been opened in the past 90 days and did not care if an older account was still open. Recent reports are that American Express is often, but not always, enforcing the policy as written.

Fortunately, there is no need to guess. There are three Platinum cards:

  • Personal
  • Mercedes
  • Business

...which can be rotated with zero conflict with each other. The Mercedes version does not conflict with any Gold card.

Last edited by mia; Jan 15, 2013 at 3:19 pm
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