Citi AA churn - impact on Amex, BoA, Chase et.al. application strategy?
Jul 8, 2019, 9:23 am
#106
Join Date: Jan 2017
Posts: 805
That's a good idea, I have three that I've been meaning to close. I'll call in and see if I can get anything.
Jul 8, 2019, 10:25 am
#107
Join Date: Feb 2009
Posts: 6,607
There are many cards ( Amex and others ) that she has never had so it's good news that she will be all set to get the Amex cards after this last mailer.........................too bad it doesn't seem to work like that for her
Jul 9, 2019, 8:31 am
#108
formerly atomicfront
Join Date: Sep 2013
Posts: 171
Based on your history with American Express welcome offers, introductory APR offers, or the number of cards you have opened and closed, you are not eligible to receive this welcome offer.
We have not yet performed a credit check. Would you still like to proceed?
Because you have or have had The Platinum Card, you are not eligible to receive the welcome offer.
We have not yet performed a credit check. Would you still like to proceed?
Above are the message the pop up gives...........They are discussed in the link I listed below
My wife received the pop up saying she would not receive the bonus for a HH Biz card, a card she has never had.
A few weeks later applied for and received ( no pop up) the 75K bonus on a HH NAF amex ( a card she has had several times and recently upgraded to Ascend) via a link DOC posted with no lifetime language.
Earlier this year ( before the HH BIZ app) she applied for a DL BIZ ( another card she has never had) and received the same pop up message saying no bonus but a few months later she was able to get the DL business and the bonus via a targeted email.
How or why the no lifetime language and the targeted email bypassed the pop up I have no idea but it did.
It's all on this blog and the Amex sub forum on Flyertalk
https://thepointsguy.com/news/amex-n...fication-tool/
We have not yet performed a credit check. Would you still like to proceed?
Because you have or have had The Platinum Card, you are not eligible to receive the welcome offer.
We have not yet performed a credit check. Would you still like to proceed?
Above are the message the pop up gives...........They are discussed in the link I listed below
My wife received the pop up saying she would not receive the bonus for a HH Biz card, a card she has never had.
A few weeks later applied for and received ( no pop up) the 75K bonus on a HH NAF amex ( a card she has had several times and recently upgraded to Ascend) via a link DOC posted with no lifetime language.
Earlier this year ( before the HH BIZ app) she applied for a DL BIZ ( another card she has never had) and received the same pop up message saying no bonus but a few months later she was able to get the DL business and the bonus via a targeted email.
How or why the no lifetime language and the targeted email bypassed the pop up I have no idea but it did.
It's all on this blog and the Amex sub forum on Flyertalk
https://thepointsguy.com/news/amex-n...fication-tool/
Jul 9, 2019, 8:39 am
#109
Join Date: Jan 2017
Posts: 790
I got the pop-up on the Hilton Biz and the same day applied for Hilton Ascend with 150k bonus and no pop up. Got the bonus. Then a month later Applied for Hilton no fee personal got pop-up and then applied for personal Green and got no pop up. And received bonus. So the pop-ups are definitely card specific.
Jul 9, 2019, 9:02 am
#110
Join Date: Jan 2017
Posts: 790
I just used incognito to generate a 25,000 MR bonus for spending $1,000 link for the Amex Green Card.
Applied, got a pending, called in and did ID verification and was approved. They asked me about my Experian, which I said was frozen, and I offered to unfreeze it but they said no need.
I was definitely in pop up hell with both the Delta Reserve cards, the Marriott Bonvoy card, and the Hilton Business card. Bottom line, you can play around with this stuff.
Jul 10, 2019, 9:02 am
#112
Join Date: Jan 2017
Posts: 805
Called in to close my oldest card, opened 1/31/19, and was offered 3000 miles for a $500 spend. Going to try some of my other cards in the next few weeks and see if I can duplicate my results, this could be the new version of the 75k match.
Jul 10, 2019, 9:29 am
#113
Join Date: May 2011
Posts: 889
A 3 K for spend vs a 15 K for no spend doesn't really compare ... I'm not that desperate with my stack at this point.
Jul 10, 2019, 12:45 pm
#114
Join Date: Apr 2014
Programs: Hilton - Diamond, IHG - Spire Amb
Posts: 901
Cool, then all the heavy churners are all set from once the last mailers are used..................You heard it guys..............Amex is waiting, lol
Wife received the pop up saying she would not get the bonus on HH Amex BIZ card she never had......................a few weeks later she was approved approved for a NAF HH amex ( a card she has had before) via a link with no lifetime language.
She had a similar experience with a DL Amex biz ( another card she has never had) earlier this year................later approved via a email link
The pop ups are common talk on the Amex forum as they have been around for years
If somehow you are avoiding them that's great but I assure you that is not the case for most LOL/24
Wife received the pop up saying she would not get the bonus on HH Amex BIZ card she never had......................a few weeks later she was approved approved for a NAF HH amex ( a card she has had before) via a link with no lifetime language.
She had a similar experience with a DL Amex biz ( another card she has never had) earlier this year................later approved via a email link
The pop ups are common talk on the Amex forum as they have been around for years
If somehow you are avoiding them that's great but I assure you that is not the case for most LOL/24
That's why. If you had been spending a bunch with Amex and you had several cards you'd be in like Flynn. My wife and I are heavy churners, have been for years, we're both in Amex' good books. We do spend 40-50 K each on Amex cards, mostly grocery MS, but the gold Amex is on top of our wallet too. And we've opened / closed our fair share of Amex cards over the years, and we have never had any problems getting approved with Amex. They don't even pull credit because we have in essence our own credit file with Amex going back 10+ years.
I run the CC apps for 5 people (spouse, 3 adult kids) and have NEVER seen the pop up. Each of us is around 3x/24. Auto approval and bonus for every amex card. I submit that your contention, flyer, that this is a problem for most lol/24 is wrong. You and a few others appear to be the exception rather than the rule.
Jul 10, 2019, 3:04 pm
#115
Join Date: Feb 2009
Posts: 6,607
I run the CC apps for 5 people (spouse, 3 adult kids) and have NEVER seen the pop up. Each of us is around 3x/24. Auto approval and bonus for every amex card. I submit that your contention, flyer, that this is a problem for most lol/24 is wrong. You and a few others appear to be the exception rather than the rule.
Last edited by flyer4512; Jul 10, 2019 at 6:06 pm
Jul 12, 2019, 8:43 am
#116
Join Date: Jul 2013
Posts: 1,784
Just submitted an app on a 5/15 mailer (which would put me at 63 days). Got the 7-10 day message so I suspect when I call later it will get approved.
Incidentally, I also applied for a Hilton Ascend card and I received the "because you have so many damn cards, you don't qualify for the welcome bonus".
I'm about 16/24
Incidentally, I also applied for a Hilton Ascend card and I received the "because you have so many damn cards, you don't qualify for the welcome bonus".
I'm about 16/24
Jul 12, 2019, 9:14 am
#117
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,960
Amex (USA) restricts bonus based on number of accounts opened/closed (June 2018)
Jul 12, 2019, 9:40 am
#118
Join Date: Apr 2008
Posts: 615
American Express displays a popup during the application process to notify if you are ineligible for a bonus. Discussion here:
Amex (USA) restricts bonus based on number of accounts opened/closed (June 2018)
Amex (USA) restricts bonus based on number of accounts opened/closed (June 2018)
Jul 12, 2019, 11:08 am
#119
Join Date: Jan 2017
Posts: 790
Had to tell why - did not say. Only Hilton card I have is a biz card I opened almost 1 year ago. Since then I've been doing monthly AA apps (had a 5 month break). They told me that AFTER the app at the pop up as Mia highlights here:
Yep, I tried the application with the public 125k offer, the 150k incognito offer and the referral incognito 140k app. All 3 yielded the dreaded pop up.
Yep, I tried the application with the public 125k offer, the 150k incognito offer and the referral incognito 140k app. All 3 yielded the dreaded pop up.