Finally got the Amex ineligible for bonus screen

[MrDisco99]

I'm getting close to finishing up the minimum spend for my Delta Gold Biz card, so I figured I should go ahead and apply for the next one now.

I'd just canceled my Hilton Ascend about a week and a half ago to make room.  The account had just turned a year old.  I just opened the Delta Gold Biz a little over a month ago.

I was going to go for the 125K points + $100 statement credit offered on the Hiton Biz through dummy booking.  I pretended to book a room in Atlanta and clicked on the promo link then filed out the app.  Up came the screen telling me due to the recent accounts opened or closed I am not eligible for the bonus.  It said they did not check my credit and gave me the option to back out of the app, which I did.

I figured this would happen sooner or later.  What I'm wondering is if it's likely due to the recent new account and Ascend closure and perhaps I'd be eligible again in the next few months?  Or maybe it's more to do with my longer history and they're just putting the brakes on my bonuses in general.

I'm tempted to apply for the standard 125K offer to see if I get the same screen or not.  I'm just wondering if it would negatively affect me if I do.

[CreditCuriosity]

Most likely your recent churning with Amex.. Give it some time and try in a few months and USE your existing Amex cards.. I have yet to get this screen and I have opened and closed alot of Amex cards in my time.  I use the existing ones I have a decent amount though so i speculate the helps a bit, but they certainly don't like if you close it at the 1 year mark.  It doesn't mean you wont ever be eligable again, just not for the time being whatever that might be.

[RonM21]

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@CreditCuriosity wrote:

Most likely your recent churning with Amex.. Give it some time and try in a few months and USE your existing Amex cards.. I have yet to get this screen and I have opened and closed alot of Amex cards in my time.  I use the existing ones I have a decent amount though so i speculate the helps a bit, but they certainly don't like if you close it at the 1 year mark.  It doesn't mean you wont ever be eligable again, just not for the time being whatever that might be.

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I feel like there have been more examples of this popping up lately, and more from Amex, as if the Lenders are tightening up the reigns even more on these bonus offers in relation to the churning, etc.

[kdm31091]

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@RonM21 wrote:

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@CreditCuriosity wrote:

Most likely your recent churning with Amex.. Give it some time and try in a few months and USE your existing Amex cards.. I have yet to get this screen and I have opened and closed alot of Amex cards in my time.  I use the existing ones I have a decent amount though so i speculate the helps a bit, but they certainly don't like if you close it at the 1 year mark.  It doesn't mean you wont ever be eligable again, just not for the time being whatever that might be.

---

I feel like there have been more examples of this popping up lately, and more from Amex, as if the Lenders are tightening up the reigns even more on these bonus offers in relation to the churning, etc.

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I think algorithims (and human review teams too) are getting more and more sophisticated and we will see this with more lenders including Amex.

[CreditCuriosity]

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@kdm31091 wrote:

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@RonM21 wrote:

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@CreditCuriosity wrote:

Most likely your recent churning with Amex.. Give it some time and try in a few months and USE your existing Amex cards.. I have yet to get this screen and I have opened and closed alot of Amex cards in my time.  I use the existing ones I have a decent amount though so i speculate the helps a bit, but they certainly don't like if you close it at the 1 year mark.  It doesn't mean you wont ever be eligable again, just not for the time being whatever that might be.

---

I feel like there have been more examples of this popping up lately, and more from Amex, as if the Lenders are tightening up the reigns even more on these bonus offers in relation to the churning, etc.

---

I think algorithims (and human review teams too) are getting more and more sophisticated and we will see this with more lenders including Amex.

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Not a hard program to write per say it is just how they turn the dials the computer programming is rather simple.  They can loosen it up via paramters or tighten it up, etc... no human interaction is taking place as that is a huge waste of money 

[AverageJoesCredit]

Time to go churn Discover, Disco

[NRB525]

Does AMEX have a count limit combining personal and business revolvers?

[coldfusion]

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@NRB525 wrote:

Does AMEX have a count limit combining personal and business revolvers?

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AMEX' public posturing has been that no such limit officially exists, but to address your question emperically the 5-revolvers-for-most-cardholders limit includes permutations that include a mix of personal and business cards. 

[MrDisco99]

Yes all evidence points to a 5 revolver limit, including personal and business cards.  The few people who have 6 revolvers all seem to include at least one Hilton card converted from Citi.

[MrDisco99]

So I went ahead and tried for a referral offer on the BBP and got the same message. I guess whatever blacklist status I’m in probably applies to all welcome bonus offers.

I will get the BBP at some point with or without the bonus but I’ll wait a bit and use the ED for general spend for now and see if I can get the BBP bonus later. If they still won’t let me have it after several months then I’ll just go without to get that 2x on everything.

As for the Hilton, that one was just for the bonus really. I’ll pass on that one until I’m back on their good side.