Originally Posted by
Happy
fwiw, back in November I used the new app with landing page for husband's account. His prior card was a Visa that was opened 18 months ago but was only closed last May. He got an INSTANT DENIAL. Letter claimed, citing SPECIFICALLY the 18 months clause. Should be skeptical when I saw a completely new look of the application form...
And that was a Visa that closed less than 18 months ago.
As others have posited upthread, this means that getting a retention offer to offset the AF looms a lot larger in one's churn calculus.