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It is well known that American Express follows the once in a lifetime rule.
Welcome bonus offer not available to applicants who have or have had this product.
As I wrote about here, Dave was approved for the no annual fee Amex Everyday card, with the following offer “Earn 10,000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months” but was thereafter informed that he was ineligible for the welcome bonus because Amex had replaced his old Blue American Express Card with an Everyday Card a few months before.
He argued that American Express’ application of the once in a lifetime rule would be inequitable under the circumstances because (1) he never applied for the Everyday card, but received it as a replacement for a different card; (2)he neither activated nor used the Everyday Card; and (3) he never received any promotion, or bonus or welcome points for the Everyday card.
One day after his plea to American Express, American Express contacted Dave and told him he will receive the welcome bonus provided he meets the spend requirement.
I think this is a fair result.
This also shows that you should never be afraid to request review or reconsideration from credit cards over a multitude of issues.
What do you think?
Editorial Note: The opinions expressed here are mine and not provided, reviewed, by any bank, card issuer, or other company unless otherwise stated.