Jan 15, 2016, 7:01 pm
Last edit by: uncommonsensical
Answer: YMMV. (period)
Any other answer is nonsense and, frankly, misleading; unless the author has intimate knowledge of the details of thousands of cases with each issuer to have a large enough sample size to render an opinion that is grounded in anything other than pure baseless speculation.
i understand the desire to have some sage MSer tell you 'go ahead, it's ok'. well, even though username 'KINGofMS' with 3869 posts (join date, October 2015) says so, he has no idea.
i can sum up people going along with no AA (adverse action) who give advise using a life analogy:
i plan to live forever.
so far, so good.
not to leave without providing some sage wisdom:
do NOT MS Amex Charge cards. too much risk for them and you will, almost certainly, be FR'd with any volume. that said, if your application is 100% truthful and you don't mind turning your tax returns over to Amex's data security... nevermind- knock yourself out.
-uncommonsensical
Any other answer is nonsense and, frankly, misleading; unless the author has intimate knowledge of the details of thousands of cases with each issuer to have a large enough sample size to render an opinion that is grounded in anything other than pure baseless speculation.
i understand the desire to have some sage MSer tell you 'go ahead, it's ok'. well, even though username 'KINGofMS' with 3869 posts (join date, October 2015) says so, he has no idea.
i can sum up people going along with no AA (adverse action) who give advise using a life analogy:
i plan to live forever.
so far, so good.
not to leave without providing some sage wisdom:
do NOT MS Amex Charge cards. too much risk for them and you will, almost certainly, be FR'd with any volume. that said, if your application is 100% truthful and you don't mind turning your tax returns over to Amex's data security... nevermind- knock yourself out.
-uncommonsensical
Cards to avoid MS on?
Jan 6, 2016, 4:40 pm
#1
Original Poster
Join Date: Dec 2015
Location: PHL
Posts: 96
Cards to avoid MS on?
Are there any cards that you avoid putting too much (or any) MS on, due to a reputation of shutting accounts down? I've read here, for instance, that AmEx is strict about the Plat, PRG, etc.
Jan 6, 2016, 4:43 pm
#2
Join Date: Mar 2013
Location: PHL based
Programs: USAir, UA, AA, BA, Hyatt, HHonors, SPG, Marriott, IHG
Posts: 356
Jan 6, 2016, 5:01 pm
#3
Join Date: Dec 2010
Location: Long Beach
Programs: HHonors Diamond, Hyatt Diamond
Posts: 1,171
you must avoid putting "too much" MS on every credit card. the trick is finding out what ("too much" - $1) is equal to for each card.
Jan 6, 2016, 5:06 pm
#4
Original Poster
Join Date: Dec 2015
Location: PHL
Posts: 96
Good point. With all these datapoints it would be nice to know what sort of volume people were doing (e.g., how many figures per month).
Jan 6, 2016, 5:56 pm
#5
Join Date: Mar 2013
Location: PHL based
Programs: USAir, UA, AA, BA, Hyatt, HHonors, SPG, Marriott, IHG
Posts: 356
Jan 6, 2016, 6:57 pm
#9
Join Date: Apr 2015
Location: San Diego
Posts: 229
Google is the best way to search this site - just type in whatever you are searching for + flyertalk at the end ... e.g., "shutdown flyertalk" will give you search results and the very first search result is pointing directly to this thread: http://www.flyertalk.com/forum/manuf...wn-thread.html
Jan 6, 2016, 11:20 pm
#11
Join Date: Nov 2015
Posts: 559
Jan 6, 2016, 11:24 pm
#12
Join Date: Jan 2013
Posts: 153
This is completely non-responsive to the question. The "trick" you mention is exactly what OP was asking -- which cards/issuers tend to have stricter limits.
Jan 6, 2016, 11:53 pm
#13
Join Date: Feb 2005
Location: a hotel room, somewhere...
Posts: 962
the only issuer who didn't have a history was amex- who just did anal probes (FR). but that changed with OBC where they shut all cards on some when closing.
there's nowhere to hide. it's like being a corner drug dealer- eventually you're gonna get caught if you're doing any volume.
Jan 7, 2016, 12:54 am
#14
Join Date: Jan 2013
Posts: 153
wrong. it's completely responsive. every issuer has a history of closing accounts for MS. it's also VERY VERY dependent upon your history, length of credit, income etc. iow, the question in nonsensical for any detail as it is ymmv.
the only issuer who didn't have a history was amex- who just did anal probes (FR). but that changed with OBC where they shut all cards on some when closing.
there's nowhere to hide. it's like being a corner drug dealer- eventually you're gonna get caught if you're doing any volume.
the only issuer who didn't have a history was amex- who just did anal probes (FR). but that changed with OBC where they shut all cards on some when closing.
there's nowhere to hide. it's like being a corner drug dealer- eventually you're gonna get caught if you're doing any volume.
Under this logic, the question of, say, "Which prepaid card is more MS-friendly: Amex Serve or H&R Block Emerald" would be totally impossible to answer because both cards have shut down users for MS activity in the past.
Last edited by billybayswater; Jan 7, 2016 at 1:18 am
Jan 7, 2016, 5:35 am
#15
Join Date: Oct 2009
Location: Land of the parrots and parrotheads
Programs: Several dozen
Posts: 4,820
Interesting analogy - heard of MS being compared to money laundering, but now drug dealing? You, sir, slander us legitimate businessmen!
"Just when I thought I was out, they pull me back in." -- Michael Corleone
"Just when I thought I was out, they pull me back in." -- Michael Corleone