Amex denying SUBs

[longtimelurker]

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@red259 wrote:

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Also, amex should be careful with people just starting out and not needlessly screw them over, because while they may be small fish to amex now you never know how successful they may be down the road later on and I know if a credit card company or bank screws me over I have a very long memory about such things and won't give them the time of day when they come sniffing around later to sell me their products.

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Certainly it's good for all companies to be somewhat respectful of their customers.   However, I personally don't find the small fish now, master-of-the-universe later argument that compelling, simply because, almost by definition the vast majority of small fish stay small fish!

[UncleB]

Here's my own data point:

5/2015 - Opened Green

5/2015 - Opened BCP

4/2016 - Closed Green

5/2016 - Opened PRG

5/2016 - Opened Delta Gold

1/2017 - Opened ED

4/2017 - Closed Delta Gold

I've only closed two cards, and the Green didn't even have a bonus (the bonus on the Delta Gold was a measly 30k SkyPesos). 

When I applied for the Cash Magnet 6/2018 I got the 'no bonus for you' pop-up, so I canceled the app.

I've not tried again since then.

[red259]

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@longtimelurker wrote:

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@red259 wrote:

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Also, amex should be careful with people just starting out and not needlessly screw them over, because while they may be small fish to amex now you never know how successful they may be down the road later on and I know if a credit card company or bank screws me over I have a very long memory about such things and won't give them the time of day when they come sniffing around later to sell me their products.

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Certainly it's good for all companies to be somewhat respectful of their customers.   However, I personally don't find the small fish now, master-of-the-universe later argument that compelling, simply because, almost by definition the vast majority of small fish stay small fish!

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I didn't say anything about master of the universe. I'm not talking about the 1% crowd when I talk about successful. More like college student/part time worker now compared with successful professional, doctor/lawyer/ceo later in life. 

[Anonymous]

Wonder why uncleb would be denied a sub on the magnet, since you never had it?

[mongstradamus]

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@UncleB wrote:

Here's my own data point:

5/2015 - Opened Green

5/2015 - Opened BCP

4/2016 - Closed Green

5/2016 - Opened PRG

5/2016 - Opened Delta Gold

1/2017 - Opened ED

4/2017 - Closed Delta Gold

I've only closed two cards, and the Green didn't even have a bonus (the bonus on the Delta Gold was a measly 30k SkyPesos). 

When I applied for the Cash Magnet 6/2018 I got the 'no bonus for you' pop-up, so I canceled the app.

I've not tried again since then.

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I don't think the popup occurs for all people thats the biggest problem is the inconsistency. I didn't get one for my app for gold and i had one CSR even tell me that i was approved for 50k offer for 2k spend. She also asked if i wanted to add AU to reach the Min spend easier. I for one am not one of those people that are all that impressed with Amex CSR for non plat users. I had an issue few years back with amex not giving me the free year of amazon prime when i signed up for the EDP.  With all that being said until there is a better program than MR right now I will just bite the bullet. UR to me has a lot of value recently with the UAL devalue a few years ago and just dropping KE out of the blue. 

[longtimelurker]

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@red259 wrote:

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@longtimelurker wrote:

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@red259 wrote:

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Also, amex should be careful with people just starting out and not needlessly screw them over, because while they may be small fish to amex now you never know how successful they may be down the road later on and I know if a credit card company or bank screws me over I have a very long memory about such things and won't give them the time of day when they come sniffing around later to sell me their products.

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Certainly it's good for all companies to be somewhat respectful of their customers.   However, I personally don't find the small fish now, master-of-the-universe later argument that compelling, simply because, almost by definition the vast majority of small fish stay small fish!

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I didn't say anything about master of the universe. I'm not talking about the 1% crowd when I talk about successful. More like college student/part time worker now compared with successful professional, doctor/lawyer/ceo later in life. 

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Sure, but failing to get the business of these lower tier succesess is not all that terrible.   Yes, I would rather get it, but denying lots of bonuses early on might still leave me ahead!  (Again, best for all businesses to treat all customers with at least a modicum of respect, but not overdoing it!)

[redpat]

2015 EDP 25k

2015 Plat 60k

2016 PRG 50k

2016 Biz plat 75k

2017 Biz BGR 75k

2017 SPG 35k

2018 Hilton 75k

closed SPG and EDP

2019 I’m thinking of a Delta SUB.

[Anonymous]

A new wrinkle. Need some information.

My AU had Amex gold, about 20 years ago, closed more than 15 years ago as well. I doubt there was SUB at that time. Will this prevent me from getting SUB? I myself never had amex gold before.

[Anonymous]

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@Anonymous wrote:

A new wrinkle. Need some information.

My AU had Amex gold, about 20 years ago, closed more than 15 years ago as well. I doubt there was SUB at that time. Will this prevent me from getting SUB? I myself never had amex gold before.

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No

[Anonymous]

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@red259 wrote:

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@longtimelurker wrote:

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@red259 wrote:

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Also, amex should be careful with people just starting out and not needlessly screw them over, because while they may be small fish to amex now you never know how successful they may be down the road later on and I know if a credit card company or bank screws me over I have a very long memory about such things and won't give them the time of day when they come sniffing around later to sell me their products.

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Certainly it's good for all companies to be somewhat respectful of their customers.   However, I personally don't find the small fish now, master-of-the-universe later argument that compelling, simply because, almost by definition the vast majority of small fish stay small fish!

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I didn't say anything about master of the universe. I'm not talking about the 1% crowd when I talk about successful. More like college student/part time worker now compared with successful professional, doctor/lawyer/ceo later in life. 

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Doctor and CEO would be 1% and a lot of attorney's would be as well.