Amex (USA) restricts bonus based on number of accounts opened/closed (June 2018)
Sep 18, 2018, 11:54 am
#91
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,933
I doesn't seem like they factor high AF in. I got my first popup on the SPG Luxury card, which just as high an actual AF as the Aspire card, and with fewer credit offsets so an even higher "net" AF than the Aspire card.
Sep 18, 2018, 2:49 pm
#92
Join Date: May 2014
Location: Charleston, SC
Programs: SPG/Marriot Gold, Hilton Gold
Posts: 412
I opened 3 credit cards with Amex in 2017, one in 2018, and 2 charge cards in 2017. I canceled one card a week ago and was approved for my 6th credit card in 2 years without the popup. I do spend a good amount of money with Amex though. Usually $2-3k a month even after bonuses are over, so I assume that's why they didn't flag me.
Sep 18, 2018, 11:57 pm
#93
Join Date: Feb 2009
Posts: 6,606
My wife is 7/24 with 2 Chase Business cards. She applied for the 60K Delta AMEX bus card tonight and before they ran her credit they came back with a message saying she would not be eligible for the bonus. Of course we cancelled the application.
She has one open AMEX card, a NAF Hilton that she opened about 3 years ago and only one other AMEX card in her life, a SPG from 2014
She has one open AMEX card, a NAF Hilton that she opened about 3 years ago and only one other AMEX card in her life, a SPG from 2014
Last edited by flyer4512; Sep 19, 2018 at 2:59 pm
Sep 20, 2018, 10:00 am
#96
Suspended
Join Date: Jan 2017
Location: EWR/PHL/BWI
Posts: 4,412
My wife is 7/24 with 2 Chase Business cards. She applied for the 60K Delta AMEX bus card tonight and before they ran her credit they came back with a message saying she would not be eligible for the bonus. Of course we cancelled the application.
She has one open AMEX card, a NAF Hilton that she opened about 3 years ago and only one other AMEX card in her life, a SPG from 2014
She has one open AMEX card, a NAF Hilton that she opened about 3 years ago and only one other AMEX card in her life, a SPG from 2014
If they say, they allow 5 new apps or SUBs over 2-year period, then we shut down the churners, then I'm good with it. But now they just shut the door closed to the folks who have not done much biz with them. Most of them are not even churners.
Sep 20, 2018, 10:18 am
#97
Join Date: May 2010
Location: BDL
Programs: DL PM, HHonors Silver
Posts: 440
AmEx is obsessed with SUB now. Sometimes it is even worse than Chase 5/24. With Chase, at least you know what to expect.
If they say, they allow 5 new apps or SUBs over 2-year period, then we shut down the churners, then I'm good with it. But now they just shut the door closed to the folks who have not done much biz with them. Most of them are not even churners.
If they say, they allow 5 new apps or SUBs over 2-year period, then we shut down the churners, then I'm good with it. But now they just shut the door closed to the folks who have not done much biz with them. Most of them are not even churners.
Sep 20, 2018, 10:48 am
#98
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
Sep 20, 2018, 2:07 pm
#99
Join Date: Aug 2005
Location: Brooklyn
Programs: Delta Diamond, Bonvoy something good; sometimes other things too
Posts: 5,050
If her credit report is reasonably clean and she got denied with that Amex history, that seems way too harsh on Amex's part.
Sep 20, 2018, 2:37 pm
#100
Join Date: Feb 2009
Posts: 6,606
AmEx is obsessed with SUB now. Sometimes it is even worse than Chase 5/24. With Chase, at least you know what to expect.
If they say, they allow 5 new apps or SUBs over 2-year period, then we shut down the churners, then I'm good with it. But now they just shut the door closed to the folks who have not done much biz with them. Most of them are not even churners.
If they say, they allow 5 new apps or SUBs over 2-year period, then we shut down the churners, then I'm good with it. But now they just shut the door closed to the folks who have not done much biz with them. Most of them are not even churners.
What does SUB stand for ?
Does anyone know if these new AMEX rules apply to an upgrade AMEX offer for upgrading a Hilton No annual fee Amex to Ascend ? Would you get the same warning ( stating you will not get the bonus) when you attempt to upgrade if they are not going to give out the points ?
Last edited by flyer4512; Sep 20, 2018 at 3:35 pm
Sep 20, 2018, 3:10 pm
#101
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,933
Can you please explain SUB? I've not seen it used before on (what I've read on) FT, and it's not in the FT glossary:
https://www.flyertalk.com/forum/glossary.php?do=list&LetterSelected=S
Thanks.
https://www.flyertalk.com/forum/glossary.php?do=list&LetterSelected=S
Thanks.
Sep 20, 2018, 3:15 pm
#102
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
To my knowledge American Express is only disqualifying new account application bonuses, not upgrades. The concept shouldn't apply to any type of targeted offer.
Sep 21, 2018, 11:09 am
#103
Suspended
Join Date: Jan 2017
Location: EWR/PHL/BWI
Posts: 4,412
Family members got popup messages for Hilton Ascend, SPG personal, BBP and SimplyCash, Never churners, about 4 AmEx CCs each person, light activities.
With the life-time language, there is no rush to do anything. It is going to be interesting to see what is going to happen....
With the life-time language, there is no rush to do anything. It is going to be interesting to see what is going to happen....
Sep 21, 2018, 1:19 pm
#104
Join Date: Feb 2014
Location: PHL, LHR
Posts: 219
I currently have a PRG card and while taking care of another issue with my card, brought up the idea with a CSR about potentially getting a Platinum card. They said I could "upgrade" my PRG card but wouldn't be eligible for a sign up bonus. Or, I could just apply for the card directly (not an "upgrade") and be eligible for a sign up bonus. What am I missing? Who would do the "upgrade" in this circumstance?
Sep 21, 2018, 1:48 pm
#105
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,933
I currently have a PRG card and while taking care of another issue with my card, brought up the idea with a CSR about potentially getting a Platinum card. They said I could "upgrade" my PRG card but wouldn't be eligible for a sign up bonus. Or, I could just apply for the card directly (not an "upgrade") and be eligible for a sign up bonus. What am I missing? Who would do the "upgrade" in this circumstance?