mia

xp0's question merged into long running discussion of this topic.

ma91pmh

I am now up to 5 personal (mb plat, prg, blue pfd, delta plat, spg) and 2 business (biz gold and spg biz)

xp0

Mia - Thanks ... I did not see this thread before

troyhouse

Hi,
I am planning to apply Applying for Amex Delta Gold and I already have AMEX PR Gold and Platinum, I am due for renewal of both the existing cards in Oct.

I signed up for both these cards last year and got 300K delta skymiles after moving MR points to Delta. I am going to spend 180K miles for europe trip, so with this card I will get 70K + 120K to get me back to 190K which I can use for Asia trip.

So, I was planning to cancel PR Gold and continue with Platinum, as I will be traveling international during this and next year.

As there is some bug or offer for 70K Skymiles, I was thinking of getting this card, and cancel PR Gold.

What do you guys think? Will I get in trouble with too many AMEX cards and get review. I never had Delta Skymiles card before.

DavidAL

Obviously YMMV, but I've had up to 4 different personal cards, and 4 different Biz cards with Am Ex. So no, 3 is not too many. But it depends on your credit, income, etc.

ddallas

Go for it.

troyhouse

ok, applied and got instant approval.

bobby21

Anyone get a second gold business card approved, and not get a sign up bonus? I got my second business gold card, and now I am worried that I will spend 10k and not get the 75k bonus,

mia

No need. Send a SM to customer service asking for verification that you will receive a 75,000 bonus after spending $10,000 in XX days.

bobby21

Thanks mia, I will call as soon as I get my card, I have little confidence in the Amex reps these days, I just hope that if the bonus shows up in my card they actually post it to my account after I spend the 10k - hopefully there is no software code blocking my bonus since I have 2 business Golds.

mia

I wouldn't call, you need a written commitment which you can generate by logging into your account and using the Secure Messaging system.

BankofGreed

I had 5 personal - Plat, Gold, Delta, Hilton and BC and 1 business - SPG. I recently closed the Gold, so down to 4 personal.

booyaa

I just recently found out that they separate the card types even more by credit or charge card.

I have had at most 7 cards total with Amex at one point, 5 personal, 2 business.
Out of the 5 personal- 2 charge, 3 credit.
Out of the 2 business- 1 charge, 1 credit.

Before my last AOR a month ago, my standing was 5 total cards, 3 personal (1 charge, 2 credit), 2 business (1 charge, 1 credit).

I applied for 1 personal (credit) and 1 business (credit) during my AOR and was instantly approved for the personal (making the total 3 personal credits and 1 business credit). The business app was declined due to me reaching "the maximum number of accounts allowed." So I cancelled the 1 existing business charge card and asked for reconsideration. Still was declined and was told that the business charge I cancelled was not a "lending account" so the cancellation did not affect the total in "maximum number of accounts". I assume that meant if I cancelled a credit instead of a charge then the number of accounts in question would go down and hence be in consideration for approval.

I didn't have any credit accounts I wanted to close, so I just cancelled the app. BTW, no hard pull when this denial reason occurs.

So looks like I am not able to push pass the 4 credit accounts (across personal and business) with them, despite having had more total (credit and charge) accounts with them before.

BankofGreed

So even if someone had more than 4 in the past, the hard limit going forward is 4 cards? When did this go into effect? I applied for my 4th and 5th card in 2011.

ma91pmh

I was told explicitly that there was a four card limit on credit cards during my last app-o-rama.

I am currently at four credit and two charge cards.