Amex Closed Accounts

[Yehuda25]

none.
only thing i could think of is paying bills from accounts under other ppl's names

multiple accounts? Did any of the payments bounce? Any of those people get shut?

[Yehudaa]

only thing i could think of is paying bills from accounts under other ppl's names

Wondering, is this a problem if it's in someone else's name but always the same acct? (I.e. I pay my cards and my wife's cards from my account.)

[m65]

a few months after my DW, my turn came.
i got that dreaded email saying:

We want to let you know that after a recent review of your American Express® account(s), we have cancelled the accounts referenced above because one or more of these accounts, or other accounts to which these accounts are linked, have been identified as not being used for the intended purpose.

i called them to ask why, they said we reserve the right to terminate etc. blah blah blah...

1-anyone has any experience getting them to reopen?
2- will i be able to use mr?
3- will they want now a clawback on bonus points for cards opened within the year?

[Yehuda25]

a few months after my DW, my turn came.
i got that dreaded email saying:

We want to let you know that after a recent review of your American Express® account(s), we have cancelled the accounts referenced above because one or more of these accounts, or other accounts to which these accounts are linked, have been identified as not being used for the intended purpose.

i called them to ask why, they said we reserve the right to terminate etc. blah blah blah...

1-anyone has any experience getting them to reopen?
2- will i be able to use mr?
3- will they want now a clawback on bonus points for cards opened within the year?

I think it was reopening is rare.

Mr depending on if they claim points abuse can be used for 30/60 days

Any idea what triggered dw's closure? Many cards quickly? Many upgrades/downgrades? Many refunds? Bounced payment?

[TheDroid]

a few months after my DW, my turn came.
i got that dreaded email saying:

We want to let you know that after a recent review of your American Express® account(s), we have cancelled the accounts referenced above because one or more of these accounts, or other accounts to which these accounts are linked, have been identified as not being used for the intended purpose.

i called them to ask why, they said we reserve the right to terminate etc. blah blah blah...

1-anyone has any experience getting them to reopen?
2- will i be able to use mr?
3- will they want now a clawback on bonus points for cards opened within the year?

Depending on what DW did. Still no clarification from you on how was her cards paid. Did either of you get FR before? How much MS or giftcard purchases?
Paying from a 3rd party account is red flag. However, I don't think it's uncommon to pay for family members. What might be the case is paying from too many different account, even all of it under your name.
Your closure is collateral damage, anyone who shares your address with DW will likely get shutdown too. The sad news is even if you separate from DW, this will still stick to your SSN.
Time to say AMEX goodbye your lifetime (which maybe 10 years under AMEX definition)
 

[m65]

the sad news is even if you separate from DW, this will still stick to your SSN.

i think god forbid that would be a drop sadder
u think i should try finding someone with a clean amex record?

[m65]

I think it was reopening is rare.

Mr depending on if they claim points abuse can be used for 30/60 days

Any idea what triggered dw's closure? Many cards quickly? Many upgrades/downgrades? Many refunds? Bounced payment?

none of the above
just in the past we used to use other ppls checking accounts to pay bills, after DW shutdown i stopped that.
amazon biz card was used heavy on BG's

[m65]

(they pay u direct?)

not the case, although even if it was, amex cant know that

One of the reasons I never joined BG is I don't know where it ultimately goes to (care to explain?). I can't see how BGs are sustainable unless it involves loan shark or money laundering.

very simple program, sales are limited and retailers cannot purchase thousands of items at sale price, so BG sends out lists of items they want, and buyer buys them at sale price, gaining points/cash back (amazon 5%) sometimes with a small markup.
i cant see a reason why if run well it shouldnt be sustainable and legal.

[TheDroid]

not the case, although even if it was, amex cant know that
very simple program, sales are limited and retailers cannot purchase thousands of items at sale price, so BG sends out lists of items they want, and buyer buys them at sale price, gaining points/cash back (amazon 5%) sometimes with a small markup.
i cant see a reason why if run well it shouldnt be sustainable and legal.

Again I don't really know how BG works but just from the concepts I see few holes, especially logistic costs.
Anyway, the focus here is AMEX, which unfortunately, I think you're out of luck. Quickly burn your remaining points.
What sucks for you is if you rely on DL cards for MQM and MQD waiver. It might make me rethink airline loyalty altogether.

[m65]

Lol, no surprises here.
But better than the folks that say they did nothing wrong and can't imagine why they got suhtdown.

willing to chip in youre opinion on when to try new amex cards?

[m65]

do you mean ms or reapplying for the same card?

reapplying

[TheDroid]

willing to chip in youre opinion on when to try new amex cards?

I don't really have much DP on anyone ever being a customer again. (for reasons other than defaulting AMEX) But I would give at least 12 months a minimum.
With no cards, applying probably will be HP even when denied.
One thing I can think of to test the water is opening their bank account to see if AMEX is cutting all ties to you or not. Not sure it will help or not but if you are denied banking too, I would say credit card will be denied too.

[m65]

With no cards, applying probably will be HP even when denied.

not sure what u mean, care to explain further?

[Joel]

1-anyone has any experience getting them to reopen?

Try reading up this thread IIRC i have seen some reopen after a while
https://forums.dansdeals.com/index.php?topic=8.0

[unclesam]

reapplying

was it targeted to your name or someone else?

[m65]

was it targeted to your name or someone else?

both

[m65]

https://forums.dansdeals.com/index.php?topic=8.0

that seems like the FR thread. this is a totally different type of shutdown

[Joel]

that seems like the FR thread. this is a totally different type of shutdown

Does the shutdown matter if it was a FR or not?
FR is just a way for amex to verify your spend etc and give you a chance to reopen and looks like recently amex has closed accounts without going through the FR route.

[TravelSER]

Does the shutdown matter if it was a FR or not?
FR is just a way for amex to verify your spend etc and give you a chance to reopen and looks like recently amex has closed accounts without going through the FR route.

-1 on his situation.

[TheDroid]

not sure what u mean, care to explain further?

Normally, if you are an AMEX cardholder and apply for more cards you will get HP only when approved and no HP when denied. But in your case, you might not be considered a cardholder anymore.
So HP regardless of approved or denied.

that seems like the FR thread. this is a totally different type of shutdown

Agree, FR does not apply to your case.
For FR, you can easily get approved by providing 4506.