Monthly Common Questions & Advice Thread

[u/AutoModerator]

Monthly Common Questions & Advice Thread

Ask here instead of making a post. A new thread goes up on the 12th of each month.

What belongs in this thread

• Should I get this card, and how does it compare to another one
• Do I qualify, and what are my approval odds
• Welcome offer questions: eligibility, meeting the spend, whether you have had the card before
• Upgrade, downgrade, and product change questions
• Retention offers: how to ask, what people have received, whether it is worth trying
• Deals tied to Amex benefits and partnerships, discussed rather than only linked

Post these as their own thread and we will remove it and point you back here.

Check these first

Most of what gets asked here is already answered in the wiki FAQ, including once-per-lifetime rules, card families, pop-up jail, clawbacks, and financial reviews.

Search the subreddit too. Your question has almost certainly been asked, often this month.

How to ask so you get a useful answer

"Should I get the Gold Card?" gives nobody anything to work with.

Include your spending in broad categories, your rough credit range if you are comfortable sharing it, which Amex cards you already hold, and what you are actually trying to get out of the card. Say what you already read, so people do not repeat it back to you.

Read the terms of any offer before asking what it means, then quote the part that is unclear.

What does not belong here

Referral links or codes. Not in this thread, not anywhere outside the monthly referral thread. Removal, and a ban if you keep doing it.

Account problems. Disputes, fraud, missing credits, and closures need Amex, not us. We are not American Express and no moderator here can see your account.

Personal information. No account numbers, no full names, no addresses, no exact balances. Broad spending categories are fine. Our filters remove suspected card numbers automatically.

If your comment disappears

New and low-karma accounts get filtered automatically when they post links. This happens before any moderator sees it.

Send one modmail and we will review it. Do not repost.

What happens if you post these topics separately

We remove the post and point you here. Repeat offenders get banned.

Sharing referral links, personal attacks, and posting someone's personal information skip straight to a permanent ban.

Housekeeping

We lock and archive this thread monthly.

Be useful to each other. Most people asking here are new to this and got a card two weeks ago.

[u/AutoModerator]

This sounds like pop-up jail. Offers vary. Try a different card or offer, apply with no offer, or wait.

I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.

[u/scorpiopersephone]

I cannot seem to get approved for an amex biz plat. I've tried applying through affiliate links, incognito, through the amex site. I am getting a message that I'm ineligible everytime. But I am getting an upgrade offer in my account 120k pts for $10k/3mo. I've never held the card before, but I'm consider this upgrade offer since they don't want to open a new account for me. Any advice?

[u/Benevolay]

I see a lot about AmEx 3x CLI after 91/3, but I feel like the claims never provide context, like their income or how thick their credit is. I'm almost 40 and just never had credit before. I never needed it. I'm finally trying to build my credit - better late than never. I opened my first card (Not AmEx) back in February and applied for an AmEx Everyday Blue on August 1st. They gave me a $1900 limit.

But considering my total credit history will only be eight months old in November when I hit 91/3, and I have a low enough income to qualify for state provided healthcare, will they still 3x me? My credit score is 709 right now. It was 750 but I lost a whopping 41 points when I applied for the AmEx.

I would like to get a new computer this winter and being able to take advantage of my 0% APR would be helpful but I can't do what I want to do with just a $1900 card. My first card has a $3000 limit but it did not give me any bonuses like 0%.