Originally Posted by
Happy
Unfortunately it is very wrong.
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.
Interesting, as I had the exact opposite result for my wife and I within the last week. Both applied for Personal MC with new 18-mo language. Both closed Personal Visa (and me a Personal Gold MC) in the last 12 months. Instant approval for both of us. Last Personal App for either of us was 18 months ago.