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First Amex gold, no popup, CSR: no SUB

New Contributor

First Amex gold, no popup, CSR: no SUB

So when I applied I saw the 50k points after 2k spend and 20% back on restaurant in first three months offers. This is my first Gold / PRG, I only have had one other Amex card ever (BCE), never closed anything etc. Never saw a pop-up saying I won't qualify for SUB.

Today I messaged CSR and they told me my account isn't showing any SUB offers, said it's weird, and gave me a number to call.

Any past incidents like this?

 

Update 1 (12/1): Amex says I had this card before, which is not true. They are investigating.

Update 2 (12/2): App chat rep now says he sees the offer on my account. Keeping my hopes low.

Update 3 (12/7): No sign up bonus due to "other factors", making it 3 mutually contradicting responses at this point.

 

Update (12/9): Another user faces a very similar situation: no pop-up, changing reasons for non-qualification

Nov 2018 - 770-780
Amex Gold; Paypal Cashback MC ($25,000); Citi DC ($20,000); Cap1 Savor ($5500); Chase Amazon ($18,000)
Amex BCE ($32,000), Citi ThankYou Preferred ($5,300), Discover It ($10,500), Cap1 Quicksilver ($9,500), Barclay Upromise ($4,900), US Bank Cash + ($6,500), Buypower ($5,000), Barclay Uber ($5,000),
Message 1 of 43
42 REPLIES
Super Contributor

Re: First Amex gold, 2 months in and CSR says no SUB offers for my account


@Whiteway wrote:
So when I applied I saw the 50k points after 2k spend and 20% back on restaurant in first three months offers. This is my first Gold, I only have had one other Amex card ever (BCE), never closed anything etc. Never saw a message saying I won't qualify for SUB.

Today I messaged CSR and they told me my account isn't showing any SUB offers, said it's weird, and gave me a number to call.

Any past incidents like this?

Someone else just mentioned having an issue with Amex not giving them the bonus on a card they never had before. I'm wondering if there is a glitch in their system. It seems completely absurd that they make you an offer on a card you never had and you app, do all the spend and then they refuse to pay out. If its happening to multiple people something doesn't sound right. Not to mention they are charging you an AF. I know they give the language saying they can deny bonuses or whatever but at some point if this is intentional it sounds like bait and switch. I'd argue it to the highest level and pull my business if they won't give the bonus. They clearly don't respect you as a customer if they pull a stunt like this.If you had a ton of amex cards opened and closed etc then I would get that but not with only one amex and its open. 

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 2 of 43
Contributor

Re: First Amex gold, 2 months in and CSR says no SUB offers for my account


@red259 wrote:

@Whiteway wrote:
So when I applied I saw the 50k points after 2k spend and 20% back on restaurant in first three months offers. This is my first Gold, I only have had one other Amex card ever (BCE), never closed anything etc. Never saw a message saying I won't qualify for SUB.

Today I messaged CSR and they told me my account isn't showing any SUB offers, said it's weird, and gave me a number to call.

Any past incidents like this?

Someone else just mentioned having an issue with Amex not giving them the bonus on a card they never had before. I'm wondering if there is a glitch in their system. It seems completely absurd that they make you an offer on a card you never had and you app, do all the spend and then they refuse to pay out. If its happening to multiple people something doesn't sound right. Not to mention they are charging you an AF. I know they give the language saying they can deny bonuses or whatever but at some point if this is intentional it sounds like bait and switch. I'd argue it to the highest level and pull my business if they won't give the bonus. They clearly don't respect you as a customer if they pull a stunt like this.If you had a ton of amex cards opened and closed etc then I would get that but not with only one amex and its open. 


+1

 

I am just getting into the AMEX ecosystem and if they pull this stuff with I'll bail. I'm not churning/manuf spending and I only want 2-3 of their cards.

 

None of their cards are "must haves" that you can't get anywhere else. 

 

Keep us posted! Good luck with it!






Next Steps:




TOTAL: $107k | EX: 790 TU: 792 | 27 yo
Message 3 of 43
Super Contributor

Re: First Amex gold, 2 months in and CSR says no SUB offers for my account

I am not usually one to defend Amex but what if they got more applications then they thought they would, so to make sure people who had it before don’t get bonus again they may be manually reviewing every application, even valid ones. 



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 4 of 43
New Contributor

Re: First Amex gold, 2 months in and CSR says no SUB offers for my account

Update: I contacted Amex and the rewards team told me my account shows I either had this card before, or the PRG, or declined the SUB. Neither was true so she transferred me to another CSR that could look into my account. The new rep told me system shows I had this card or the PRG before and wanted me to confirm this was not the case. I absolutely definitely never had this card. I had applied for one Amex card prior to this, the BCE, and still have that card. I am also only 20+ and my credit report is perfectly normal...

 

So now they initiated an internal investigation on this and asked that I call back in a few weeks...

Nov 2018 - 770-780
Amex Gold; Paypal Cashback MC ($25,000); Citi DC ($20,000); Cap1 Savor ($5500); Chase Amazon ($18,000)
Amex BCE ($32,000), Citi ThankYou Preferred ($5,300), Discover It ($10,500), Cap1 Quicksilver ($9,500), Barclay Upromise ($4,900), US Bank Cash + ($6,500), Buypower ($5,000), Barclay Uber ($5,000),
Message 5 of 43
New Contributor

Re: First Amex gold, 2 months in and CSR says no SUB offers for my account

Amex denied the SUB on BCE in 2015. I have no idea of why. I never received a SUB from Amex. Never had BCE before the 2015 application. I have no intention of ever considering another Amex product. Too many others available that do not cause all the grief Amex does. 

Message 6 of 43
New Contributor

Re: First Amex gold, 2 months in and CSR says no SUB offers for my account


@Save-n-Invest wrote:

Amex denied the SUB on BCE in 2015. I have no idea of why. I never received a SUB from Amex. Never had BCE before the 2015 application. I have no intention of ever considering another Amex product. Too many others available that do not cause all the grief Amex does. 


Due to this incident I essentially decided to just use them for the monthly restaurant $10 for a year to recoup my AF and then just switch to the new Citi Prestige. But their reps are so nice and apologetic.... maybe I need to man up and demand good service and not just polite service.

Nov 2018 - 770-780
Amex Gold; Paypal Cashback MC ($25,000); Citi DC ($20,000); Cap1 Savor ($5500); Chase Amazon ($18,000)
Amex BCE ($32,000), Citi ThankYou Preferred ($5,300), Discover It ($10,500), Cap1 Quicksilver ($9,500), Barclay Upromise ($4,900), US Bank Cash + ($6,500), Buypower ($5,000), Barclay Uber ($5,000),
Message 7 of 43
Frequent Contributor

Re: First Amex gold, 2 months in and CSR says no SUB offers for my account

Yes this happened to me as well. I applied for the offer didn’t get the popup. Messaged them shortly after I applied making sure I was eligible for the bonus and they confirmed it.

I chatted with a CSR a week later to reconfirm my eligibility and was told I was ineligible.
Amex Gold NPSL, Amex HH 1k, Amex SPG 1k, AMEX Everday 7k, BOA Cash Rewards 8.2k, BOA Better Balance Rewards 2k, Care Credit 15k, Chase Hyatt 7.4k, Chase Amazon Visa 13.5k, Discover 6.5k, Nordstrom Store 4.5k , Fidelity Visa 10k, Cap 1 Venture 15k, Cap 1 Savor 10.5k, Citi DC 4.4k, Citi Advantage Platinum 7.5k, Citi Premiere 5.2k
Message 8 of 43
New Contributor

Re: First Amex gold, 2 months in and CSR says no SUB offers for my account


@mr_suave wrote:
Yes this happened to me as well. I applied for the offer didn’t get the popup. Messaged them shortly after I applied making sure I was eligible for the bonus and they confirmed it.

I chatted with a CSR a week later to reconfirm my eligibility and was told I was ineligible.

Did you ever find out why?

Nov 2018 - 770-780
Amex Gold; Paypal Cashback MC ($25,000); Citi DC ($20,000); Cap1 Savor ($5500); Chase Amazon ($18,000)
Amex BCE ($32,000), Citi ThankYou Preferred ($5,300), Discover It ($10,500), Cap1 Quicksilver ($9,500), Barclay Upromise ($4,900), US Bank Cash + ($6,500), Buypower ($5,000), Barclay Uber ($5,000),
Message 9 of 43
Frequent Contributor

Re: First Amex gold, 2 months in and CSR says no SUB offers for my account

The 1st CSR reasoning was that I wasn’t eligible for the bonus because it was my 2nd time applying for the card. This made literally no sense whatsoever considering I’ve never had the card.

I called AMEX for a CSR over the phone and they told me that I was ineligible due to misuse or gaming the system in regards to Past SUBs.

I do have 3 Amex cards but I never even intended on closing them. Those cards don’t make any sense to be used for normal spending (Hilton, SPG and Amex ED). I have a BT on the Everyday and I use the Hilton and SPG for those hotels respectively. Honestly, I’ll prob end up closing my Gold next October. This at least allows me to double dip the airline credit since I’ve already paid the 250$ AF. This at least allows me to get some value outside of the SUB. I already have the Savor which is grandfathered so if I do drop this card next Octobe, I would have a worthy replacement.
Amex Gold NPSL, Amex HH 1k, Amex SPG 1k, AMEX Everday 7k, BOA Cash Rewards 8.2k, BOA Better Balance Rewards 2k, Care Credit 15k, Chase Hyatt 7.4k, Chase Amazon Visa 13.5k, Discover 6.5k, Nordstrom Store 4.5k , Fidelity Visa 10k, Cap 1 Venture 15k, Cap 1 Savor 10.5k, Citi DC 4.4k, Citi Advantage Platinum 7.5k, Citi Premiere 5.2k
Message 10 of 43