topic Amex popup question in Credit Cards

Amex popup question

red259 — Tue, 19 Jun 2018 23:07:18 GMT

In the past I had the PRG (like 4 or 5 years ago). This was before the once in a lifetime language. In the past year I have gotten online offers to signup for this card. I have asked Amex customer service and they checked my account and listed all the amex cards I ever had and they do not see the PRG card. I think I likely can get the bonus again. What I am wondering is at what point in the app process does the amex window pop up telling you that you won't get the bonus? Is there a way to start the app to confirm if eligible for the bonus but not app? Like if elgible for the bonus I would assume there is no popup. Is there a way to get that far in the process to see if I am going to get the popup or not and still not apply or does th popup only occur after you click submit and if you are eligible for the bonus the app just processes right then?

Re: Amex popup question

K-in-Boston — Tue, 19 Jun 2018 23:46:56 GMT

The popup stating you are not eligible pops up after you click Submit. If you are not eligible, you get a chance to back out. If you are eligible, you've already reached the point of no return.

Re: Amex popup question

red259 — Wed, 20 Jun 2018 00:13:22 GMT

@K-in-Boston wrote:
The popup stating you are not eligible pops up after you click Submit. If you are not eligible, you get a chance to back out. If you are eligible, you've already reached the point of no return.

Ok good to know.

Re: Amex popup question

AverageJoesCredit — Wed, 20 Jun 2018 00:20:49 GMT

C'mon K, lay it down easy PONR, Drama much

Re: Amex popup question

UncleB — Wed, 20 Jun 2018 14:21:50 GMT

@K-in-Boston wrote:
The popup stating you are not eligible pops up after you click Submit. If you are not eligible, you get a chance to back out. If you are eligible, you've already reached the point of no return.

Precisely this. ^^^^

Re: Amex popup question

Anonymous — Wed, 20 Jun 2018 15:32:34 GMT

@UncleB wrote:
@K-in-Boston wrote:
The popup stating you are not eligible pops up after you click Submit. If you are not eligible, you get a chance to back out. If you are eligible, you've already reached the point of no return.
+1

Precisely this. ^^^^

And much as it pains me to be positive about Amex, this really does seem to perfectly fair: you app knowing the expected terms of the offer, so they only notify you if some of the benefits will not apply.

Re: Amex popup question

K-in-Boston — Wed, 20 Jun 2018 15:44:08 GMT

I agree that it's a fair solution to clamping down on churning, although there have certainly been a few eyebrow-raising cases where the applicant was inelgibile. Also, an "assist" on my answer should be credited to @CreditCuriosity and @UncleB for posting their experiences in the Cash Magnet thread.

Re: Amex popup question

NRB525 — Wed, 20 Jun 2018 15:56:49 GMT

I am keeping these notes for likely future apps. I cold append the Delta Gold in 2013, the Delta Platinum in 2014. When I am no longer concerned about 5/24, have closed a couple AMEX revolvers, and another large SkyPesos offer comes up, I intend to see if these are available.

Re: Amex popup question

UncleB — Wed, 20 Jun 2018 15:57:18 GMT

Yep, no real complaints here, either, even though I was impacted by the rule. I would rather know up-front that there's an issue with the bonus rather than after-the-fact.

As a data point, I got the pop-up on a Cash Magnet app. I've only ever closed two Amex cards... a Green card and a Delta Gold, and the Green didn't even have a bonus (and tragically the Delta was only 30k Skymiles).

I'm assuming the issue was the timing; both the Green and Delta were closed before the first AF was due (this was pre-RAT). I still have a BCP and PRG, as well as an installment loan.

Re: Amex popup question

CreditCuriosity — Wed, 20 Jun 2018 16:14:43 GMT

@UncleB wrote:
Yep, no real complaints here, either, even though I was impacted by the rule. I would rather know up-front that there's an issue with the bonus rather than after-the-fact.

As a data point, I got the pop-up on a Cash Magnet app. I've only ever closed two Amex cards... a Green card and a Delta Gold, and the Green didn't even have a bonus (and tragically the Delta was only 30k Skymiles).

I'm assuming the issue was the timing; both the Green and Delta were closed before the first AF was due (this was pre-RAT). I still have a BCP and PRG, as well as an installment loan.

Need to try one of those business cards ... See if you get a pop-up if not then bonus and no AAoA hit and a SP win-win if pop-up then skip... For science I tell you! lol.. I wonder if it is card independent and independent between business and personal.. We need more detail I tell you!

Re: Amex popup question

UncleB — Wed, 20 Jun 2018 16:35:16 GMT

@CreditCuriosity wrote:
@UncleB wrote:
Yep, no real complaints here, either, even though I was impacted by the rule. I would rather know up-front that there's an issue with the bonus rather than after-the-fact.

As a data point, I got the pop-up on a Cash Magnet app. I've only ever closed two Amex cards... a Green card and a Delta Gold, and the Green didn't even have a bonus (and tragically the Delta was only 30k Skymiles).

I'm assuming the issue was the timing; both the Green and Delta were closed before the first AF was due (this was pre-RAT). I still have a BCP and PRG, as well as an installment loan.
Need to try one of those business cards ... See if you get a pop-up if not then bonus and no AAoA hit and a SP win-win if pop-up then skip... For science I tell you! lol.. I wonder if it is card independent and independent between business and personal.. We need more detail I tell you!

LOL... I might give it another shot next month before the sign-up bonus is nerfed. By then I will have paid another AF on my PRG, and it will be more than 18 months since my ED was opened.

Of course there's also the chance they'll "count" my installment loan being PIF by then as yet another closed account (that would be my luck...LOL). In any case there's little to lose by trying.

Side note: I'm somewhat wishing I had just taken the Cash Magnet even without the bonus, since I was considering getting the Delta Blue just for Amex Offers, anyway. I admit I was caught off-guard by the pop-up and really didn't have a 'Plan B' in mind when I canceled.