Jan 2, 2018, 8:58 am
Last edit by: ChrisFlyer66
This is the thread for 2018. The previous discussion can be found here.
When reporting/posting here please give as many details as you can or you will be asked for it anyways. Copy and paste the text below and alter as needed.
1. SHUTdn by Bank, Credit Card info. (@m3x, chs3 ,c1t1 and brcl@y)
2. Length of account before closure and CL?
3. Average monthly account balance checking and savings?
4. Volume of ms per month and how many months?
5. Cycle CL?
6. Did you BP using both options?
- BP by issuing bank (@m3x, chs3, c1t1 and brcl@y)
- BP by Vis/MC
7. Did you spell out the bank's full name in an internet forum?
When reporting/posting here please give as many details as you can or you will be asked for it anyways. Copy and paste the text below and alter as needed.
1. SHUTdn by Bank, Credit Card info. (@m3x, chs3 ,c1t1 and brcl@y)
2. Length of account before closure and CL?
3. Average monthly account balance checking and savings?
4. Volume of ms per month and how many months?
5. Cycle CL?
6. Did you BP using both options?
- BP by issuing bank (@m3x, chs3, c1t1 and brcl@y)
- BP by Vis/MC
7. Did you spell out the bank's full name in an internet forum?
2018 Shutdown Thread
Aug 29, 2018, 9:31 pm
#286
Join Date: Sep 2015
Posts: 305
He never did BP, just occasional MOs...he thinks he was shut down because of the sharp increase in spending on those two SPG cards...but I personally think it was because of MOs...perhaps that put the eyes on his account, and then they could see the rest (Simon mall, GC.com and such)...neither great FICO nor high income nor long term relationship with Amx helped...
Aug 30, 2018, 3:51 am
#287
Join Date: Nov 2012
Posts: 105
going based off the credit check Chase provides and not actually pulling my credit report, the Citi would put me right at 5/24. I’ll drop back to 4/24 in like October or November though (and I am planning to close that account, an Amex Delta card, before then).
Aug 30, 2018, 6:15 am
#288
Join Date: Oct 2017
Programs: Lots
Posts: 320
do you have CSR/CSP/CIC/CIP?
Aug 30, 2018, 6:31 am
#289
Join Date: Nov 2012
Posts: 105
Chase Freedom that I’ve had for probably 8 or 9 years at least and a CSP that I’ve had for almost 6. All of my other chase cards are co branded (amazon, UA, WN, and Marriott). I would like to upgrade to a CSR and get a Freedom Unlimited at some point but I’m not in a huge hurry for it. I’ve also had a Checking and Savings with Chase since they took over WAMU, but from what I’ve seen, those don’t seem to help your case much.
Last edited by tjh8402; Aug 30, 2018 at 6:40 am
Aug 30, 2018, 6:52 am
#290
FlyerTalk Evangelist
Join Date: Nov 2002
Location: BOS, MHT
Programs: AA ltg, B6, DL, UA, AS, SPG/Marriott Plt, HH, Hyatt
Posts: 10,052
Well, whatever shut downs many here have suffered, it cannot be as bad as THIS ONE...
I commented today in a long post there that sadly does not take paragraph returns.
I commented today in a long post there that sadly does not take paragraph returns.
Aug 30, 2018, 7:24 am
#292
FlyerTalk Evangelist
Join Date: Nov 2002
Location: BOS, MHT
Programs: AA ltg, B6, DL, UA, AS, SPG/Marriott Plt, HH, Hyatt
Posts: 10,052
yes
and while some could argue this broke some level of terms and conditions my biggest question is this: if it was so big and so many people were doing it and MX decided to stop it then it almost makes you wonder why they let it go on so long and why they were so lazy to not look into this earlier. What I mean is, they aren’t in part responsible because they let it happen for so long and at such high levels
why were they even allowing people to get all those aus that way? Aren’t they at some level responsible for putting forth systems that work right? If so, then how can you fully fault all those who worked within said system?
I actually did no amex offers or had multiple au cards
and while some could argue this broke some level of terms and conditions my biggest question is this: if it was so big and so many people were doing it and MX decided to stop it then it almost makes you wonder why they let it go on so long and why they were so lazy to not look into this earlier. What I mean is, they aren’t in part responsible because they let it happen for so long and at such high levels
why were they even allowing people to get all those aus that way? Aren’t they at some level responsible for putting forth systems that work right? If so, then how can you fully fault all those who worked within said system?
I actually did no amex offers or had multiple au cards
Aug 30, 2018, 12:11 pm
#293
Join Date: Aug 2014
Location: BOS
Posts: 550
yes
and while some could argue this broke some level of terms and conditions my biggest question is this: if it was so big and so many people were doing it and MX decided to stop it then it almost makes you wonder why they let it go on so long and why they were so lazy to not look into this earlier. What I mean is, they aren’t in part responsible because they let it happen for so long and at such high levels
why were they even allowing people to get all those aus that way? Aren’t they at some level responsible for putting forth systems that work right? If so, then how can you fully fault all those who worked within said system?
I actually did no amex offers or had multiple au cards
Aug 30, 2018, 12:47 pm
#294
FlyerTalk Evangelist
Join Date: Nov 2002
Location: BOS, MHT
Programs: AA ltg, B6, DL, UA, AS, SPG/Marriott Plt, HH, Hyatt
Posts: 10,052
Aug 30, 2018, 5:33 pm
#295
FlyerTalk Evangelist
Join Date: Nov 2002
Location: BOS, MHT
Programs: AA ltg, B6, DL, UA, AS, SPG/Marriott Plt, HH, Hyatt
Posts: 10,052
While I'd be pretty upset if this has happened to me, it's pretty much guaranteed that every person who had added the same offer to multiple cards via different accounts / browsers trick and maxed out the benefits knew they were trying to get around AMEX T&C and system implementation. AMEX has obviously stepped up the enforcement of their T&C over the past several weeks, but IMO all this outrage is not justified.
BUT… Are these T&Cs actual legal to even have in there?
And are they legal in YOUR state? –like, just because it says this or that in some agreement between you and the company, is that even allowed to be an agreed upon thing or a rule?
And will a judge or magistrate enforce them based on other criteria, evidence, intent from both sides if there is a disagreement regarding the use of such T&Cs?
Think about that one for a while.
Aug 30, 2018, 5:50 pm
#296
Join Date: Jun 2014
Posts: 163
The Staples Amex offer would appear on all business cards, as well as all personal cards through the /domorebusiness URL back in June, which was a URL Amex advertised in emails. You could have had 10 cards with them -- maybe 5 personal credit cards and 5 charge cards between personal and business variants, and added the offer on all of them, without any multi-tab trick if done in June. There was no need to make phony authorized users with the same SSN, as you can add the same individual as an AU to all 10 of your cards and they could add the offer there too. Amex did a terrible job if they really wanted to limit it to one per person. This would be like Office Depot clawing back all the people who got extra money off on MasterCard gift cards last week.
Aug 30, 2018, 5:58 pm
#297
FlyerTalk Evangelist
Join Date: Nov 2002
Location: BOS, MHT
Programs: AA ltg, B6, DL, UA, AS, SPG/Marriott Plt, HH, Hyatt
Posts: 10,052
Some could equate this to putting a giant liquor stores with specials and deals right next to a rehab center and having store sales people going inside to give vodka discount coupons to patients
Aug 30, 2018, 6:01 pm
#298
Join Date: Jun 2014
Posts: 163
This is why cigarette ads aren't allowed on TV and they can't give away free cigarettes to college students anymore... But Amex can issue cards to 13-year-olds as authorized users.
Aug 30, 2018, 6:03 pm
#299
FlyerTalk Evangelist
Join Date: Nov 2002
Location: BOS, MHT
Programs: AA ltg, B6, DL, UA, AS, SPG/Marriott Plt, HH, Hyatt
Posts: 10,052
You can go buy a gun and ammo at walmart but if you want $3k in money orders they are gonna want your id and ssn and a form filled out and they still may deny you
Aug 30, 2018, 9:09 pm
#300
Join Date: Sep 2015
Posts: 305
Even if Amx legally is in the right, morally it is in the wrong...with that and with all the recent shutdowns one begins to wonder if Amx is worth keeping...that RAT that they created might do them some good in the short term but a lot of damage in the long term...