数据点收集:Amex开卡奖励被弹窗拒绝了?

最近形式真是越来越差啊,Chase不仅通气说计划要把524推广到所有卡上,运通也在进一步缩紧:在申请新卡时,Amex现在会考虑你近期开关他们卡的情况来决定是否给你开卡奖励,而不仅仅是受限于一张卡一生只能拿一次奖励的限制。

如果你无法拿到开卡奖励,那么Amex会在申请过程中提示你:因为你以前持有过这张卡;或者因为你近期开关Amex卡的情况,你将无法拿到此卡的开卡奖励,你可以选择继续申请或者放弃(放弃的话不会有 Hard Pull)。对于后一种情况,原文如下:

XXX, based on your history with American Express welcome offers, introductory APR offers, or the number of cards you have opened and closed, you are not eligible to receive this welcome offer.

We have not yet performed a credit check. Would you like to proceed?

对于开关卡拿不到奖励的情况,Amex当然不会告诉你他们是用什么标准来衡量的,包括当初Chase 524也是,都是大家摸索出来的规律。因此我们希望通过一点统计,尝试分析一下是否有规律可循。如果在申请Amex时被提示拿不到开卡奖励,而且显示的是因为近期开关卡的原因,我们欢迎大家来这里汇报一下数据点,包括你申请了什么卡、一年内开关过多少张Amex、最近一张Amex是什么时候开/关的、近一年在Amex消费大概多少。

谢谢大家啦~


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