Citi AA churn - impact on Amex, BoA, Chase et.al. application strategy?
#91
Join Date: Feb 2009
Posts: 6,604
Since the other cards have AF's I think the best route is NAF 75K then upgrade to Ascend for 150K then upgrade to aspire for another 150K..................assuming you can get the offers
Here are links to both upgrades. I Have no need for an upgrade now as we have a lot of points and gold status but it does say I can get the upgrade on my NAF HH Amex
https://online.americanexpress.com/d...details#/cshop
https://online.americanexpress.com/d...details#/cshop
#92
Join Date: Feb 2009
Posts: 6,604
#93
Join Date: Apr 2008
Posts: 615
Most people doing the AA churn will not be able to get any new Amex cards so the link with no language or upgrades ( Ascend Aspire ) may be the only option
Since the other cards have AF's I think the best route is NAF 75K then upgrade to Ascend for 150K then upgrade to aspire for another 150K..................assuming you can get the offers
Here are links to both upgrades. I Have no need for an upgrade now as we have a lot of points and gold status but it does say I can get the upgrade on my NAF HH Amex
https://online.americanexpress.com/d...details#/cshop
https://online.americanexpress.com/d...details#/cshop
Since the other cards have AF's I think the best route is NAF 75K then upgrade to Ascend for 150K then upgrade to aspire for another 150K..................assuming you can get the offers
Here are links to both upgrades. I Have no need for an upgrade now as we have a lot of points and gold status but it does say I can get the upgrade on my NAF HH Amex
https://online.americanexpress.com/d...details#/cshop
https://online.americanexpress.com/d...details#/cshop
#94
Join Date: Feb 2009
Posts: 6,604
Most people who are LOL/24 will get a message from Amex saying you won't get the bonus before you submit the application. They will give you the card but not the bonus
https://thepointsguy.com/news/amex-n...fication-tool/
My wife actually had that scenario play out as I was going to get her a HH biz card about 2 months ago but we passed on submitting the application as there would have been no bonus
A week or so later the HH Amex link with no lifetime language showed up and she got that card, her 75K posted last week
#95
Join Date: Jan 2017
Posts: 805
I'm about 17k AA miles away from the needed miles for a big redemption for next year. Any ideas on earning that last bit since the mailers have dried up?
I'm thinking of opening the MileUp card for the 10k bonus and then MS'ing the last 7k but it's definitely not my first choice.
I'm thinking of opening the MileUp card for the 10k bonus and then MS'ing the last 7k but it's definitely not my first choice.
#96
Join Date: May 2011
Posts: 889
I'm about 17k AA miles away from the needed miles for a big redemption for next year. Any ideas on earning that last bit since the mailers have dried up?
I'm thinking of opening the MileUp card for the 10k bonus and then MS'ing the last 7k but it's definitely not my first choice.
I'm thinking of opening the MileUp card for the 10k bonus and then MS'ing the last 7k but it's definitely not my first choice.
-edit- Especially if you see availability now, better to grab and be at ease.
Alternatively open up one of the Barclays Aadvantage cards if you can.
#97
Join Date: May 2011
Posts: 889
Amex doesn't even always pull credit if they know you well enough. Being LOL/24 is not very relevant to amex. My wife open up a couple of Delta Golds recently. She's about 30/24.
#98
Join Date: Jan 2017
Posts: 805
If I can get the spend down to 5000 miles I'll look at buying miles depending on how much time I have to MS the rest, $182 for 5k hurts but it's a lot better than flying economy.
#99
Join Date: Jul 2009
Location: SEA
Posts: 2,556
I'm not a heaver churner, just moderate. In the past year Amex declined my credit card application (for an Amex business card which I had never had before), saying something like (I forget the exact words): "We cannot approve you for a card due to your history of opening and closing accounts in order to get bonuses".
And I had not opened or closed an account with Amex itself in the past four years.
And I had not opened or closed an account with Amex itself in the past four years.
#100
Join Date: May 2011
Posts: 889
I'm not a heaver churner, just moderate. In the past year Amex declined my credit card application (for an Amex business card which I had never had before), saying something like (I forget the exact words): "We cannot approve you for a card due to your history of opening and closing accounts in order to get bonuses".
And I had not opened or closed an account with Amex itself in the past four years.
And I had not opened or closed an account with Amex itself in the past four years.
#101
Join Date: Jul 2009
Location: SEA
Posts: 2,556
My understanding is that Amex would not do a hard pull to make a product conversion/upgrade and would not report the new product as a new account. Is this always the case, or not necessarily?
#102
Join Date: Feb 2009
Posts: 6,604
Wrong. This is if you've already had the card in the past, you won't get the bonus again unless targeted.
Amex doesn't even always pull credit if they know you well enough. Being LOL/24 is not very relevant to amex. My wife open up a couple of Delta Golds recently. She's about 30/24.
Amex doesn't even always pull credit if they know you well enough. Being LOL/24 is not very relevant to amex. My wife open up a couple of Delta Golds recently. She's about 30/24.
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
Last edited by flyer4512; Jul 7, 2019 at 10:49 pm
#103
Join Date: Feb 2009
Posts: 6,604
I'm not a heaver churner, just moderate. In the past year Amex declined my credit card application (for an Amex business card which I had never had before), saying something like (I forget the exact words): "We cannot approve you for a card due to your history of opening and closing accounts in order to get bonuses".
And I had not opened or closed an account with Amex itself in the past four years.
And I had not opened or closed an account with Amex itself in the past four years.
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/
Last edited by flyer4512; Jul 7, 2019 at 11:00 pm
#104
Join Date: Feb 2009
Posts: 6,604
I'm about 17k AA miles away from the needed miles for a big redemption for next year. Any ideas on earning that last bit since the mailers have dried up?
I'm thinking of opening the MileUp card for the 10k bonus and then MS'ing the last 7k but it's definitely not my first choice.
I'm thinking of opening the MileUp card for the 10k bonus and then MS'ing the last 7k but it's definitely not my first choice.
People have posted about Citi AA retention offers of 3K for spending $500 ( I think).........maybe you could get one or more ( do you have more than one AA card open) to bridge the gap if you call and say you are going to cancel the card(s).
#105
Join Date: Jan 2017
Posts: 790
Amex pop ups are based on a combination of factors including opening and closing Amex cards (particularly ones where you got a sign up bonus) plus not spending above a certain threshold on your existing Amex cards.
LOL/24 has nothing to do with it.
LOL/24 has nothing to do with it.