I have not had a green card, just the platinum and the gold business. Any thoughts why I got this message?

"you are not eligible to receive the welcome offer. In determining eligibility, we considered your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors."

I just got this message:
"you are not eligible to receive the welcome offer. In determining eligibility, we considered your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors."

Never had the green charge card. Only the gold business and platinum business and personal. Use them often enough. The only non-used card is a DL Gold, that I have not touched in years.

Im trying to sum up the main concepts here.... it would appear that AmEx is OK with folks getting multiple products, as long as you dont show a pattern of ONLY opening accounts to earn Bonuses, to then close them with no or very little use. I know there are no guarantees and every case is different, but this would be my take in a nutshell...?

Cheers,
Alex / Gaucho100K

So sorry if this is a basic question. I know the sign up bonus is once in a lifetime for each card, and I just got the Amex Platinum and received the bonus. Years in the future, would i be able to get a sign up bonus for the Schwab platinum card? Or the other one? OR do they all fall under the platinum banner and therefore no repeat sign up bonus?

Each is a separate product. Opening one does not disqualify earning a bonus for the others.

I got the dreaded popup when I applied for the Marriott Bonvoy Brilliant card today. I thought this only happened to other people, but now I got put in AMEX SUB jail. I have never had a Marriott Bonvoy card with AMEX or Chase. I used to have an SPG card with AMEX (which I loved) several years ago. I have a Personal Plat (7+ years), Personal Delta Plat (3+ years), and a Business Blue Plus (almost 4 years). I had a Personal Gold Card for about 3 years, but canceled a couple of years ago. All bills paid on time. I never applied just for an AMEX card with a sign-up bonus and split before the first annual fee was due. When I called Customer Service, they didn't have the tools or resources to provide a real explanation. I would love to know why AMEX made me ineligible for a sign-up bonus. If anyone knows the eligibility criteria for a Marriott Bonvoy Brilliant SUB beyond previous Bonvoy cards held, I would be grateful if that information can be shared.

To clarify, did you open cards and cancel rather than paying the first renewal fee? Are you regularly using the American Express cards that you already hold?

Consider the possibility that American Express is also looking at accounts you hold with other issuers. Are they seeing many accounts with no activity?

Do you have frequent paid Marriott stays?

I have always paid at least one annual renewal fee (when applicable) for AMEX credit cards. Other than the Blue Plus card, I regularly use my other AMEX cards.

My Blue Plus card is rarely used, and has had $0 balance for nearly 6 months. I could cancel that if it would help. I offered that to the customer service representative, but there weren’t any assurances that was the root cause. Elsewhere, I have a couple of Mastercards with Citi (Premier and Double Cash) that haven’t been used in a while. Those could be closed too if that would help. Maybe 3 cc total with not much recent activity…I have had 2 Marriott stays in the past 7 months, December and February. Before taking action to close or cancel a card, I was hoping to get a clearer reason for SUB denial.

I wish I knew...

I believe cancelling is the opposite of what would help. Start using the card.

Thanks for the suggestion. It might help long term, but not short term. There are no assurances that low usage of the Business Blue Card was the reason. Ironically, the Blue Cash Plus never came with an SUB. I most likely will have to hope for the best but expect the worst; my expectations are now tempered but I will still try working with AMEX.

I don’t have hard evidence but the preponderance of data points suggests that Amex recently became very tight with the SUB, perhaps around the time of the SVB meltdown. It seems very few people who already have cards are getting a bonus, at least on the personal side. I’m in jail for pretty much all the personal cards, but Amex keeps sending me targeted, elevated offers for business cards and other business products.

All of the Platinums are treated as separate products, so you can bonuses on each.

Interesting. I too have received offers recently for Business cards. I have an offer for the Business Plat card (both from mail and email), to receive 150K membership reward points for 15K spending in 3 months. Last month I received an email for a Business Gold Card. 90K membership reward points for 10K spend in 3 months. I'm not sure why in the eyes of AMEX, I'm a bad customer for a personal card SUB, but they market SUBs to me on Business Cards.

Targeted offers for Business Platinum and Gold, which do not disqualify previous cardholders, are widely reported and discussed in these threads:

Had Business Platinum previously. Received email offer. Eligible for signup bonus?

https://www.flyertalk.com/forum/amer...cc-offers.html

If you open one of these they will probably invite you to open another, and another, etc.

Also using the card only for elevated bonus categories is a red flag for AMEX since they are losing money on you. I would increase spending in non-bonus categories