Amex (USA) restricts bonus based on number of accounts opened/closed (June 2018)
Aug 31, 2018, 10:16 am
#76
Join Date: Feb 2003
Location: SFO or OAK
Programs: AA 1MM GLD, Hertz #1 Gold, bunch of other programs w/no status
Posts: 1,454
According to Doctorofcredit, it's supposed to pop up after submitting the application, but before the credit check.
https://www.doctorofcredit.com/ameri...ation-process/
https://www.doctorofcredit.com/ameri...ation-process/
Sep 3, 2018, 11:58 pm
#78
Join Date: Jan 2017
Posts: 790
Sep 4, 2018, 5:27 am
#79
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,933
If for the card, it has nothing to do with this thread. If for the bonus:
Not enough info. Amex doesn't care about 5/24. Amex cares about what you have done with Amex cards. You didn't explain what you did what that Amex card you got over 24 months ago, did you keep using it regularly or did you "sock drawer" it after you earned the signup bonus and then cancel it when the annual fee became due after a year?
That is what Amex cares about!
Sep 4, 2018, 8:09 am
#80
Join Date: Jan 2017
Posts: 790
I think another million dollar question is: if you get the pop-up, how long will you be on AMEX's sh*tlist for? Too early to tell, is my guess, so we all need to do the datapoint thing.
Also, if you get the pop-up, will you get the pop-up for ALL cards? Or just certain ones?
I've never been denied a card, a bonus, or anything by AMEX ever, until this month getting the pop-up on the AMEX Hilton Business card. So my point is that business cards are definitely under this new scope.
Also, if you get the pop-up, will you get the pop-up for ALL cards? Or just certain ones?
I've never been denied a card, a bonus, or anything by AMEX ever, until this month getting the pop-up on the AMEX Hilton Business card. So my point is that business cards are definitely under this new scope.
Sep 13, 2018, 5:43 am
#83
Join Date: Jan 2017
Posts: 790
I'll probably give the Hilton Aspire a go soon. Not expecting to get the bonus, since I JUST got the pop-up on the Hilton Business card, but I figure it's worth a try. Maybe for a high AF card they'll let me through? Not holding my breath, though.
Sep 13, 2018, 9:38 am
#84
Join Date: Nov 2009
Location: PDX
Programs: Don't think it matters...
Posts: 5,240
What about scenarios where Amex gives no pop up/ alert message about bonus ineligibility but later denies bonus based on the vague open ended statement in the
T&C's as follows - "If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with the welcome bonus offer in any way or that you intend to do so (for example, if you applied for one or more cards to obtain a welcome bonus offer (s) that we did not intend for you" ?
Or has the experience of folks been that once eligible and approved for the given card, there is no problem with bonuses assuming no obvious red flags in meeting MSR's.
T&C's as follows - "If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with the welcome bonus offer in any way or that you intend to do so (for example, if you applied for one or more cards to obtain a welcome bonus offer (s) that we did not intend for you" ?
Or has the experience of folks been that once eligible and approved for the given card, there is no problem with bonuses assuming no obvious red flags in meeting MSR's.
Sep 13, 2018, 12:27 pm
#87
Join Date: Apr 2014
Posts: 43
Anyone see datapoints of workarounds or it eventually working again? My wife and I have gotten the not eligible pop-up on all our Amex apps in the last few days (tested a few cards out to see what would happen after seeing it once). Saw it on no fee hilton, hilton biz, and amex platinum...
Is our only hope to start putting spend on our current Amex cards and pray that the message will eventually lift?
Is our only hope to start putting spend on our current Amex cards and pray that the message will eventually lift?
Sep 14, 2018, 12:23 pm
#88
Join Date: Nov 2011
Posts: 229
Got the pop-up when applying for Delta Gold personal card.
Currently holding a personal card since 2013 but used it very infrequently.
Three cards (1 personal, 2 biz) were closed shortly after one year mark. The most recent one was Delta Gold Business which was closed in July this year.
I guess I was not eligible because 1) not using AMEX cards enough 2) applying for another Delta card too soon 3) Open/Close pattern
Currently holding a personal card since 2013 but used it very infrequently.
Three cards (1 personal, 2 biz) were closed shortly after one year mark. The most recent one was Delta Gold Business which was closed in July this year.
I guess I was not eligible because 1) not using AMEX cards enough 2) applying for another Delta card too soon 3) Open/Close pattern
Sep 14, 2018, 3:55 pm
#89
Join Date: Feb 2016
Location: Bay Area, CA
Programs: Eternal Search for LT Club
Posts: 66
Datapoint: Got the popup when applying for Aspire, 0 AMEX card opened in the past 24 months, Plat closed in May after 25th month. Only open AMEX card is ED with minimal spend mostly to take advantage of AMEX offers.
More detailed description over in the hilton thread - https://www.flyertalk.com/forum/show...0&postcount=45
More detailed description over in the hilton thread - https://www.flyertalk.com/forum/show...0&postcount=45
Sep 14, 2018, 9:49 pm
#90
Join Date: Aug 2007
Location: Truth or Consequences, NM
Programs: HH Diamond, Marriott Titanium, Hertz President's Circle, UA Silver, Mobile Passport Unobtanium
Posts: 6,192
Got the pop-up when applying for Delta Gold personal card.
Currently holding a personal card since 2013 but used it very infrequently.
Three cards (1 personal, 2 biz) were closed shortly after one year mark. The most recent one was Delta Gold Business which was closed in July this year.
I guess I was not eligible because 1) not using AMEX cards enough 2) applying for another Delta card too soon 3) Open/Close pattern
Currently holding a personal card since 2013 but used it very infrequently.
Three cards (1 personal, 2 biz) were closed shortly after one year mark. The most recent one was Delta Gold Business which was closed in July this year.
I guess I was not eligible because 1) not using AMEX cards enough 2) applying for another Delta card too soon 3) Open/Close pattern