Originally Posted by Bergy Bits

DH was approved for Platinum Select in August 2019. Upon approval, he was not told he was not eligible for SUB (for those who wonder about this) & didn’t find out until he met the minimum spend & no SUB and there was a series of phone calls on the subject. So much of pre-Covid-era has vanished from my brain that I cannot recall how this error on our part occurred, but IIRC it may have been a rule change that slipped by us. He’s been reluctant to apply for ANYTHING AA since that bad experience. The language states that he’s not eligible for the current offer if he received a new account bonus in the past 48 months, which he has not. However, I’m afraid Citi may just look back and see that he was APPROVED for that card in the past 48 months and ASSUME he received a bonus and then deny any current app & he’ll be back in the same position he was in 2019. I have no way to prove he never got SUB – there was never a letter confirming it wasn’t going to happen, account on line only goes back two years etc. It will just be their word vs. his and the notes in our file. Can he be confident that the 48 month lookback is truly for SUB and not just approval? Thanks for any thoughts!