@simplynoir wrote:
@FinStar wrote:
@simplynoir wrote:
@Anonymous wrote:Ok, spoke with a supervisor.
These are the details according to that person:
My application was approved through the automated system for the Blue Cash Everyday card. Thats why it says "approved" through the automation line.
The application then got automatically "cancelled" immediately after when it recognizes that I already have a cash rewards card. I can apply for a points type card, or a business cash card, or even another card that might offer "cash back" - it just can't be one of the Blue Cash Everyday, the Blue Cash Preferred, or the Blue Cash Magnet (which I currently have), because according to the representative a person can have only ONE of those THREE type cards as of about a year ago. Accounts opened prior to that time may be different.
I can request an "upgrade" to the Preffered card.
I can apply for any other products without penalty or having to wait a certain amount of time since the app was cancelled and not a decline technically.
I guess I am riding with the Magnet card.
Interesting, thanks for the information there. Something I'll have to keep in mind and bookmark for future reference
That's definitely interesting. I had all 3 (Cash Magnet, BCP and most recently BCE) without any restrictions as far as cashback product family goes 🤷♂️. BCE was the last one approved a few months back, but Cash Magnet had been open for a couple of years. I closed CM like a month or so ago. Maybe some product policy changed recently?
That's my guess too because it's the first I've heard of it. Dunno what would trigger this change since AMEX already limits the number of revolvers a person can hold at one time. Seemed to me like a good deterrent from someone just nabbing every card they can charge cards notwithstanding. Because not many people would want to hold at least two of the Blue cards it's going to be difficult to find more datapoints on this
It's interesting that the would block the combo of CM & BCP/BCE, instead of just limiting you to one of the grocery cards, since they fill different roles in a cash back wallet. You'd think AMEX would want the swipes from both slots if someone was willing to give it to them.
@Anonymous wrote:Thanks for replying. I think I will call Amex this afternoon. I did temporary lift the freeze on my Experian - but it's possible I didn't give it enough time to process before submitting the app. I'll update when I learn something after calling.
Thanks!
I was told on my end from Amex that , that error message is because you have applied for another card within a 5 day period it's a fraud protection. After 5 days you can apply again via SP since you are an Amex customer .
