If this is not because she previously had the same product, it is typically because she has a history of opening accounts, and closing or not using them after earning the bonus. The only known remedy is to use all of her existing American Express cards on a regular basis for some months. I have no opinion on whether the invitation increases the probability of acceptance now, but there is no downside to applying and see if the bonus disqualification message appears.
Thank you. We will try to use the existing cards for sometime before trying again. Hopefully, the huge offers are still around by then.
Also, for myself, I have five Amex cards:
- Gold
- Hilton Surpass
- Everyday Preferred
- Blue Cash Everyday
- Blue Cash Everyday (originally from some other card that got converted into Blue Cash Everyday) - opened since 1999.
To improve by chance of getting the Amex Platinum without the " due to your pattern, you are not eligible for welcome bonus", should I try to close one or two more of these cards?