I screwed up! When might Amex let me out of the penalty box?
#1
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Join Date: Dec 2003
Location: Benicia, California, USA
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To make a long story short, about a year ago I canceled my Business Platinum card less than a year after receiving it (or, technically, upgrading from Business Gold to Business Plainum). As a result, two bad things happened:
1. Upon my cancelling the card, Amex clawed back the 140K bonus it had provided me (under a targeted offer) for upgrading my Amex Business Gold to the Amex Business Platinum and meeting the spending target.
2. When I subsequently sought to obtain an Amex Green card, with what I recall as a 60K initial spending offer, I was turned down. The reconsideration agent informed me that a factor was my early cancellation of the Business Platinum card.
A couple of questions:
1. Any sense of how long I'll be in the Amex penalty box before I might be eligible to get another Amex card, along with an attached spending bonus?
2. Does my de facto ban probably extend to hotel/airline-affliated Amex cards?
FWIW, my credit rating is over 800, I've been an Amex cc cardholder of one kind for another for almost 40 years, I've never had any payment problems, and I currently have four Amex ccs (Schwab Platinum, Business Plus, Marriott Business and Hilton Business).
Thanks for any advice.
1. Upon my cancelling the card, Amex clawed back the 140K bonus it had provided me (under a targeted offer) for upgrading my Amex Business Gold to the Amex Business Platinum and meeting the spending target.
2. When I subsequently sought to obtain an Amex Green card, with what I recall as a 60K initial spending offer, I was turned down. The reconsideration agent informed me that a factor was my early cancellation of the Business Platinum card.
A couple of questions:
1. Any sense of how long I'll be in the Amex penalty box before I might be eligible to get another Amex card, along with an attached spending bonus?
2. Does my de facto ban probably extend to hotel/airline-affliated Amex cards?
FWIW, my credit rating is over 800, I've been an Amex cc cardholder of one kind for another for almost 40 years, I've never had any payment problems, and I currently have four Amex ccs (Schwab Platinum, Business Plus, Marriott Business and Hilton Business).
Thanks for any advice.
#3
Flyertalk Posting Legend Moderator: Credit Card Programs, American Express, Capital One, Chase, Citi, Diners Club, Signatures.
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: HH & IHG Gold; Marriott & AA Perpetual Platinum
Posts: 49,216
You could open a card without a bonus (choose one that typically has a low offer), and use it to teach the algorithm that you are interested in using their cards, not only the bonus.
Last edited by mia; Oct 23, 2023 at 2:31 pm
#4
Join Date: May 2000
Location: Houston, TX, USA
Programs: UA Platinum, AA Lifetime Platinum, DL Platinum, Honors Diamond, Bonvoy Ambassador, Hertz Platinum
Posts: 8,007
and I currently have four Amex ccs (Schwab Platinum, Business Plus, Marriott Business and Hilton Business)
#5
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Join Date: Dec 2002
Location: Danville, CA, USA;
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There is an existing thread on the penalty box aka amex jail which has a number of data points. There is no specific time limit.
The conventional wisdom is to use each of your four existing cards for several months and then try again.
The conventional wisdom is to use each of your four existing cards for several months and then try again.
#6
Join Date: Mar 2007
Location: MSP
Programs: Marriott Lifetime Titanium, UA Silver, Hertz 5*
Posts: 915
I was in pop up jail a while back for a similar situation. In my case, I upgraded from the Amex Everyday to the Everyday Preferred and paid the incremental prorated fee. When the full year fee was charged, I downgraded back to the Preferred since I was rarely hitting 30 transactions in a month to get the 50% bonus. My bonus was clawed back.
Few months later I applied for the Gold card to get a 90K bonus and got the popup. Folks here advised me to keep spending on the Everyday card and try again in a few months. I did exactly that and few months later was approved for the Gold with a 90K bonus.
FWIW, at the one year anniversary mark I called about a retention offer on the Gold but was denied. I sucked it up and decided to keep it open to not give the almighty algorithm any more reasons to throw me in jail again. I was making atleast some use of the dining and uber credits. Maybe next year I will likely cancel completely if I dont get a retention offer.
Few months later I applied for the Gold card to get a 90K bonus and got the popup. Folks here advised me to keep spending on the Everyday card and try again in a few months. I did exactly that and few months later was approved for the Gold with a 90K bonus.
FWIW, at the one year anniversary mark I called about a retention offer on the Gold but was denied. I sucked it up and decided to keep it open to not give the almighty algorithm any more reasons to throw me in jail again. I was making atleast some use of the dining and uber credits. Maybe next year I will likely cancel completely if I dont get a retention offer.
#7
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Original Poster
Join Date: Dec 2003
Location: Benicia, California, USA
Programs: AA PLT,AS,UA PP,J6,FB,EY,LH,SQ,HH Dmd,Hyatt Glbl,Marriott Plat,IHG Plat,Accor Gold
Posts: 10,845
Thanks very much for this and the several other useful replies, folks. I'll probably go this route and see what happens.
#8
Join Date: Jun 2006
Location: YVR
Programs: Bonvoy Lifetime Plat (earned as Starwood), Canadian Amex Plat & resulting statuses, WestJet Silver
Posts: 663
If you paid your annual fee and achieved the spending target, I don't understand why they would claw back the bonus even if you subsequently cancelled the card.
#9
Flyertalk Posting Legend Moderator: Credit Card Programs, American Express, Capital One, Chase, Citi, Diners Club, Signatures.
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When you accept an American Express (USA) retention bonus you agree to keep the card open for a full year. They retract the points because the cardholder did not fulfil the agreement. The terms of a Canadian retention offer may be different.