Been churning for some time now and never been denied an AMEX card before.


This time around, trying to apply for the SPG Personal and was declined, so I applied for the Business.


Got approved for the business card, however when they called to get more personal info and activate the card, I was told that I no longer qualify for the bonus as I had the SPG card last year and the bonus is a "once per lifetime" bonus.


I withdrew my application. Yikes!