Amex (USA) restricts bonus based on number of accounts opened/closed (June 2018)
Feb 14, 2019, 10:07 am
#256
Join Date: Jun 2010
Posts: 99
Feb 18, 2019, 5:38 pm
#257
Join Date: Feb 2013
Programs: Hyatt Globalist, MLife Gold, Marriott Gold, HHonors Gold, Caesars Diamond, Amex Plat
Posts: 5,939
I'm really hoping that downgrading and keeping a card at lower AF rate for 2 years instead of 1 will bode well for my spouse's reputation with Amex and getting new card bonuses. He hasn't applied for a card in a year and doesn't churn or MS but does have three cancellations from about 2-3 years ago. And soon wants to apply for the new personal gold card when the bonus goes back up.
Feb 19, 2019, 8:01 am
#258
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
I'm really hoping that downgrading and keeping a card at lower AF rate for 2 years instead of 1 will bode well for my spouse's reputation with Amex and getting new card bonuses. He hasn't applied for a card in a year and doesn't churn or MS but does have three cancellations from about 2-3 years ago. And soon wants to apply for the new personal gold card when the bonus goes back up.
https://www.doctorofcredit.com/incre...link-too-ymmv/
Feb 25, 2019, 12:13 pm
#259
Join Date: Apr 2012
Location: NYC, LAX, HKG
Posts: 286
Mar 4, 2019, 12:15 pm
#261
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,954
Someone with a title in Global Business Travel would not seem to be the correct primary contact for a card or bonus denial. I would research the named individual before writing to confirm that their current position is aligned with solving your problem.
Mar 8, 2019, 6:18 am
#262
Join Date: Feb 2016
Location: New York
Programs: Navy A-4 Skyhawk, B727 FE/FO, S80 FO, B757/767 FO, B737 CA
Posts: 1,342
Well, SO got hit by this yesterday when we tried to get the Blue Biz Plus using a referral from me. Currently has 3 Amex's open but we got the warning on the application before they did the pull (glad they warn us before hand). The two of us have almost exactly the same history with Amex and I have more total apps over all banks, but I still got the card a few months ago.
Mar 17, 2019, 3:50 pm
#263
Join Date: Apr 2012
Location: NYC, LAX, HKG
Posts: 286
Interesting DP.
1) Informed over chat that bonus was denied.
2) Denied bonus after CFPB claim.
3) Gave up / procrastinated and did not make any more complaints/claims for a few months. I continue to use the card a lot since it is nonetheless a good product. Noticed the bonus show up unexpectedly.
1) Informed over chat that bonus was denied.
2) Denied bonus after CFPB claim.
3) Gave up / procrastinated and did not make any more complaints/claims for a few months. I continue to use the card a lot since it is nonetheless a good product. Noticed the bonus show up unexpectedly.
Mar 17, 2019, 5:46 pm
#264
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
Interesting DP.
1) Informed over chat that bonus was denied.
2) Denied bonus after CFPB claim.
3) Gave up / procrastinated and did not make any more complaints/claims for a few months. I continue to use the card a lot since it is nonetheless a good product. Noticed the bonus show up unexpectedly.
1) Informed over chat that bonus was denied.
2) Denied bonus after CFPB claim.
3) Gave up / procrastinated and did not make any more complaints/claims for a few months. I continue to use the card a lot since it is nonetheless a good product. Noticed the bonus show up unexpectedly.
Mar 19, 2019, 7:14 am
#265
FlyerTalk Evangelist
Join Date: Jul 2003
Location: jfk area
Programs: AA platinum; 2MM AA, Delta Diamond, Hilton Diamond
Posts: 10,291
I applied and was approved for an AMEX DELTA PLAT card, there is a 70K bonus miles offer which expires 4/3/19. Then I did some googling and noticed that AMEX restricts bonuses to once in a lifetime* for most of their cards. Various "card churning" sites note that via chat one can get a list of ALL previously owned AMEX cards, the agent used my SS# for the search, the only cards which showed up were active cards and one recently closed Hilton card. I have a recollection that I once did have an AMEX DELTA PLAT card which I closed in 2003 or 2004 (when I switched to AA). Should I assume that the chat agents list is complete?
*LIFETIME is only as good as Amex's database look-back period, one site thought 7 years.
*LIFETIME is only as good as Amex's database look-back period, one site thought 7 years.
Mar 19, 2019, 8:28 am
#266
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,954
Amex USA terms now penalize:abuse,misuse,gaming;1st yr downgrade/close;leaked offers.
The lifetime policy is about five years old:
Put a fork in it 5.1.2014: One bonus per personal card per person "lifetime" [USA]
The live customer service database does seem to go back about 7 years, but we do not know if it is purged annually or more often. Remember, it is the year that you CLOSED the previous account which matters.
Mar 19, 2019, 9:30 am
#267
FlyerTalk Evangelist
Join Date: Jul 2003
Location: jfk area
Programs: AA platinum; 2MM AA, Delta Diamond, Hilton Diamond
Posts: 10,291
This information is also in the terms of the offer to which you responded. It really is worthwhile reading because there are other important restrictions:
Amex USA terms now penalize:abuse,misuse,gaming;1st yr downgrade/close;leaked offers.
The lifetime policy is about five years old:
Put a fork in it 5.1.2014: One bonus per personal card per person "lifetime" [USA]
The live customer service database does seem to go back about 7 years, but we do not know if it is purged annually or more often. Remember, it is the year that you CLOSED the previous account which matters.
Amex USA terms now penalize:abuse,misuse,gaming;1st yr downgrade/close;leaked offers.
The lifetime policy is about five years old:
Put a fork in it 5.1.2014: One bonus per personal card per person "lifetime" [USA]
The live customer service database does seem to go back about 7 years, but we do not know if it is purged annually or more often. Remember, it is the year that you CLOSED the previous account which matters.
Per another site AMEX is supposed to have a service (not via chat) where one can determine before one applies for a card (with promotions) whether you are eligible, but I can't find service.
Mar 19, 2019, 9:40 am
#268
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,954
Likewise, the bonus can be denied, or clawed back, if the spending used to achieve it is ineligible. Typically a return or similar credit during the bonus spend period will trigger an audit.
Mar 19, 2019, 10:30 am
#269
Join Date: Aug 2004
Location: YYZ
Programs: AA LT Plat, AC 25K, Marriott Plat, Hilton Diamond
Posts: 1,137
My wife applied for a Amex Biz Gold Rewards back in November 2018. She has never held the BGR before. She did not get any pop-up during the application process.
She had signed up for 3 Amex cards between October 2017 and April 2018 with sign-up bonuses, all of which are still open.
She met the minimum spend of $5K and never received the 50K sign-up bonus. I contacted Amex chat and was told she was ineligible for the bonus, and they kept pointing to the T&Cs.
Do I have any recourse for this bait & switch?
She had signed up for 3 Amex cards between October 2017 and April 2018 with sign-up bonuses, all of which are still open.
She met the minimum spend of $5K and never received the 50K sign-up bonus. I contacted Amex chat and was told she was ineligible for the bonus, and they kept pointing to the T&Cs.
Do I have any recourse for this bait & switch?
Mar 19, 2019, 10:41 am
#270
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,954