Originally Posted by
MDtR-Chicago
… I'm also of the controversial belief that the reasons for denial for somewhat irrelevant. ….
Possible typo? Maybe “reasons for denial
are somewhat irrelevant”?
Originally Posted by
MDtR-Chicago
On the other hand… Amex has rigid published requirements, there are so many and so frequent NLL offers ….
Agreed, although it remains unknown as to the reasons one person gets NLL offers and another doesn’t, and why and when that gravy train suddenly stops for those that do.
Originally Posted by
MDtR-Chicago
… directionality has markedly changed recently.
… reasons for denial … based on any logic that seems plausible …
… sort of thing happens periodically. … balance shifts until the internal metrics aren't what the issuers want, then the hidden rules change.
It is a marathon and we all must adapt.
Excellent assessment and summary, should be in the Wikipost and/or first post of every credit card thread.
It would be helpful and productive to hear from those who wrote here about their experiences opening many Ink cards (and getting many SUBs), way more frequently than q24 months, to learn if they too have experienced this swing of the pendulum. Personally I’ve only exceeded the q24 month restriction a few times: Ink Pref SUBs 5 and 16 months ago, Ink Cash SUBs 2 and 19 months ago, Ink Unlim SUBs 8 and 28 months ago. If I decide to do a Dorothy* for this, I wouldn’t be able to provide another DP for several months.
Only thing consistent in this game is change(s). It’s a marathon, not a sprint.
(BTW, FWIW, I can now determine EXACTLY when the rules, hidden or otherwise, will change
. Exactly 12 milliseconds after I think I’ve figured it out, the rules will change
. Why “12”? Because 11 is too little and 13 is too much
.)
(*
The Wizard of Oz quote, Glinda the Good Witch to Dorothy: “… you just had to learn it for yourself.”)