Planning on a Disney trip and hoping for - but not expecting - a bonus offer, I applied for the AmEx Platinum. I was expecting another pop-up stating that I would not be eligible for the bonus offer. I was going to shrug it off after some frustrated grumblings and just use one of my cash back cards.
The stupid application went into pending status instead. 
Some data points for those interested:
0/12, 2/24
My reports are locked.
I have 2 previous AmEx cards, and I recently started putting more spend on my 2nd one due to two planned trips in the next couple months.
Since receiving the 2nd AmEx, I have been denied a bonus offer although I have not closed either of the cards since opening them.
No negatives.
My FICO 08 TU is 807. Don't know the others but probably high 700s, low 800s as they have been for years now.
Util 1%.
Anyone know how soon I might hear back from them? Will it show up on my AmEx app if approved before I hear from them? If approved, will they let me know prior to acceptance if they still plan to deny me the bonus offer? I'll be so upset if they approve me without the bonus offer and I lose an opportunity for 100k MR points.
It may be a little late now but you can call Amex new accounts and find out what the issue was- my applications both went into pending and they needed to verify miitary status and personal info, and then they approved
@minski wrote:Planning on a Disney trip and hoping for - but not expecting - a bonus offer, I applied for the AmEx Platinum. I was expecting another pop-up stating that I would not be eligible for the bonus offer. I was going to shrug it off after some frustrated grumblings and just use one of my cash back cards.
The
stupidapplication went into pending status instead.
Some data points for those interested:
0/12, 2/24
My reports are locked.
I have 2 previous AmEx cards, and I recently started putting more spend on my 2nd one due to two planned trips in the next couple months.
Since receiving the 2nd AmEx, I have been denied a bonus offer although I have not closed either of the cards since opening them.
No negatives.
My FICO 08 TU is 807. Don't know the others but probably high 700s, low 800s as they have been for years now.
Util 1%.
Anyone know how soon I might hear back from them? Will it show up on my AmEx app if approved before I hear from them? If approved, will they let me know prior to acceptance if they still plan to deny me the bonus offer? I'll be so upset if they approve me without the bonus offer and I lose an opportunity for 100k MR points.
Update:
Monday, I received an email stating that my application was approved. I called to see if the card could be sent to me expedited. The CS rep I spoke to must have been new because she put me hold to double check only to tell me no, it was already processed. I accepted that. In any case, I did receive the card today.
I also asked whether I was eligible for sign up promotion like you recommended @FinStar. She had to double check again and then told me that until I activate the card, they cannot see whether I am eligible for any "promotions".... 
I hope that I am. Otherwise, the application wouldn't really be worth it. It is already too late anyway. 
I think I would rather have the pop up telling me that I wasn't eligible for the sign up bonus than go through a pending application and not know for certain.
I am afraid to call again and rock the boat and possibly be told, no, you are not eligible because you seem too interested in it. Should I call?
@minski wrote:Update:
Monday, I received an email stating that my application was approved. I called to see if the card could be sent to me expedited. The CS rep I spoke to must have been new because she put me hold to double check only to tell me no, it was already processed. I accepted that. In any case, I did receive the card today.
I also asked whether I was eligible for sign up promotion like you recommended @FinStar. She had to double check again and then told me that until I activate the card, they cannot see whether I am eligible for any "promotions"....
I hope that I am. Otherwise, the application wouldn't really be worth it. It is already too late anyway.
I think I would rather have the pop up telling me that I wasn't eligible for the sign up bonus than go through a pending application and not know for certain.
I am afraid to call again and rock the boat and possibly be told, no, you are not eligible because you seem too interested in it. Should I call?
If you've already confirmed receipt of the card or activated it, there's nothing wrong with checking again. Try their chat feature. If you feel more comfortable with calling again, no harm, no foul. It's really not rocking the boat to confirm that your account has the promotion before you engage in spending $6K.
