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I like so many other points and mile enthusiasts decided to apply for the SPG American Express Card this week, during a limited sign-up (or is it sign-on?) promotion offering 30,000 points, instead of the usual 25,000 point promo. Since I already have the personal version of this card, I applied for the business card (offering the same 30,000 point promo). Of course, I waited until the very last day to apply (why do I do this?).
Suffice it to say, I submitted the application online, and – bingo -a message pops up saying We Have a Decision. I doubted the response would be pretty – I keep a block on my credit due to a minor identity theft problem years ago, so I never get automatic approval. Sure enough, I was declined because I have too many American Express Accounts. How many is too many?
I counted. I have 5 personal Amex cards, and 1 Amex business card. I tried to phone American Express customer service/new application/reconsideration lines, but I kept reaching global agents who did not have a script for my conversation. Finally, I spoke to a supervisor, and I canceled one of my Amex cards, and asked that my SPG Amex application be processed.
A day later, I called and checked my application status….. A cheery agent from somewhere on the other side of the world told me that my application was approved. The world can continue revolving.
So now I will have 4 personal Amex cards, and 2 business Amex cards.
It seems that is the limit. What’s your experience?
Editorial Note: The opinions expressed here are mine and not provided, reviewed, by any bank, card issuer, or other company unless otherwise stated.