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We just don't understand each other, Amex!

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Mycreditjourney2020
New Contributor

We just don't understand each other, Amex!

This is a question about the Amex pop up.

 A little back story:  July 2021 I applied for the BCP and was approved for $5k SL. After 63 days I applied for a 3X CLI and was instantly approved for $15k, so assuming Amex likes me.  In the 5 months I've had the card I've put $17k through it, always PIF.  This is my first and only Amex I've ever had. 

So last week I get an email invite to apply for the Gold card.  When I went to the Amex site, the SUB offer was the same as in the email so not sure why a special code was in the email.   At this point I'm not interested in the Gold so didn't apply. 

Yesterday I was looking at Amex hotel cards and saw a SUB for 200k points on the Hilton Surpass.  I couldn't resist so I applied...and got the pop up.  IMO, none of the reasons stated in the pop up applied to me so I was perplexed.  I wasn't upset, didn't lose any sleep, BUT then tonight I get the Gold card invite email again!  Is Amex trying to push me into one of their high AF cards?  Curious if I would still get the pop up being they sent me the email before and after the Hilton app pop-up. 

Message 1 of 5
4 REPLIES 4
coldfusion
Credit Mentor

Re: We just don't understand each other, Amex!

What popup are you talking about?    The "NO SUB For You, click through if you still want to apply anyway" popup? 

(10/2025)
FICO 8 (EX) 838 (TU) 846 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 2 of 5
Mycreditjourney2020
New Contributor

Re: We just don't understand each other, Amex!

Yes, the no SUB.

Message 3 of 5
SouthJamaica
Mega Contributor

Re: We just don't understand each other, Amex!


@Mycreditjourney2020 wrote:

This is a question about the Amex pop up.

 A little back story:  July 2021 I applied for the BCP and was approved for $5k SL. After 63 days I applied for a 3X CLI and was instantly approved for $15k, so assuming Amex likes me.  In the 5 months I've had the card I've put $17k through it, always PIF.  This is my first and only Amex I've ever had. 

So last week I get an email invite to apply for the Gold card.  When I went to the Amex site, the SUB offer was the same as in the email so not sure why a special code was in the email.   At this point I'm not interested in the Gold so didn't apply. 

Yesterday I was looking at Amex hotel cards and saw a SUB for 200k points on the Hilton Surpass.  I couldn't resist so I applied...and got the pop up.  IMO, none of the reasons stated in the pop up applied to me so I was perplexed.  I wasn't upset, didn't lose any sleep, BUT then tonight I get the Gold card invite email again!  Is Amex trying to push me into one of their high AF cards?  Curious if I would still get the pop up being they sent me the email before and after the Hilton app pop-up. 


If you want the Surpass card, I would call them and try to find out why you should be getting the no-SUB-for-you popup.


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 4 of 5
Mycreditjourney2020
New Contributor

Re: We just don't understand each other, Amex!

If you want the Surpass card, I would call them and try to find out why you should be getting the no-SUB-for-you popup.

 

I did call and the CSR said the pop up explains the reason.  I told her it's a generic response and not one of them applies to me.   She was super nice but said she could give me no information.

 

Message 5 of 5
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