My wife received the "bonus popup message" a few times in 2019. Contacted the Amex Executive Office. They flat out REFUSE to tell you the reasoning behind getting flagged. All they can say is that you have been flagged as a "rewards abuser." They also flat out refuse to tell you when that label will drop off. She waited a few months. Got approved for 2 new Amex cards. And is now flagged yet again. Oddly, while being flagged, she got approved for the Green biz card. But continued to get flagged for anything/everything else before & after that. Contacted the Executive Office once again. Same story as before. Flagged by the algorithms Amex uses. Their new CEO has a science+data background, so you can expect a whole lot more of this type of stuff in the future. They refuse to provide any specific details. She hasn't closed any accounts in well over a year -- and none less than 1yr ever. No manufactured spend. No points selling. No nonsense or games or wrong-doing of any kind. She's never had a Platinum, Platinum biz, Gold, Gold biz, or Delta card of any kind in her entire life. So it's not like she is some big churn person. We both operate/spend the exact same way. I have 10 Amex cards. No issues. Never been flagged. It's nearly impossible to figure out what the precise reasoning is behind their decisions. If they don't tell you what you're doing "wrong," then it's pretty difficult to adjust your behavior accordingly. Made that point to the Amex Executive Office. They simply do not care. They will not budge at all. No insights from them whatsoever. There is no obvious factor to point to like x/24, inquiries, spend, bonuses received, etc, etc. It's a huge mystery as far as what activity it is that gets a person flagged...how long it lasts...when/why the "rewards abuser" label drops off...etc. Amex apparently *LIKES* it that way. It seems all you can do is take a 6mon break (give or take) and then try/apply again.