Author Topic: Amex pop-up in certain zip codes automatically?  (Read 2529 times)

Online Yehudaa

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Amex pop-up in certain zip codes automatically?
« on: November 09, 2020, 12:58:33 PM »
I have not heard any of this firsthand, but someone just sent me a link to this LI post. Is this old news, or a new thing?

Presumably it's not for everyone in the whole zip code- do they do a soft pull first and combine what's on your credit report with the zip code that you live in? (It's certainly possible that this guy has opened/closed cards with other banks.)

Or have they simply flagged this guy's address due to other people at that address churning Amex cards?



« Last Edit: November 09, 2020, 01:03:21 PM by Yehudaa »

Online Joel

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Re: Amex pop-up in certain zip codes automatically?
« Reply #1 on: November 09, 2020, 01:04:35 PM »
I have not heard any of this firsthand, but someone just sent me a link to this LI post. Is this old news, or a new thing?

Presumably it's not for everyone in the whole zip code- do they do a soft pull first and combine what's on your credit report with the zip code that you live in? (It's certainly possible that this guy has opened/closed cards with other banks.)

Or have they simply flagged this guy's address due to other people at that address churning Amex cards?



Add a poll for anyone living in 08701 if they had the same issues

Online Yehudaa

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Re: Amex pop-up in certain zip codes automatically?
« Reply #2 on: November 09, 2020, 01:13:25 PM »
Add a poll for anyone living in 08701 if they had the same issues
I'm not sure we even need a poll- I assume the biggest possibility is that this really just specific to this guy's address and maybe not the zip code...

Offline Yo ssi

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Re: Amex pop-up in certain zip codes automatically?
« Reply #3 on: November 09, 2020, 01:19:24 PM »
Regardless it's not a valid claim, they get to decide who they accept.
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Offline Samb

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Re: Amex pop-up in certain zip codes automatically?
« Reply #4 on: November 09, 2020, 01:46:47 PM »
let's do some testing-testing-123

Online Yehudaa

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Re: Amex pop-up in certain zip codes automatically?
« Reply #5 on: November 09, 2020, 01:48:51 PM »
Regardless it's not a valid claim, they get to decide who they accept.
Agreed. My question was more about whether this is true.
let's do some testing-testing-123
TARB

Offline Euclid

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Amex pop-up in certain zip codes automatically?
« Reply #6 on: November 09, 2020, 01:51:46 PM »
I've gotten approved for an Amex card recently and I live in 08701.

Why is disCriMiNaTiOn everyone's first reaction to something not going their way. I know we're the persecuted nation but cmon guys...

Offline Samb

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Re: Amex pop-up in certain zip codes automatically?
« Reply #7 on: November 09, 2020, 01:52:39 PM »
I have not heard any of this firsthand, but someone just sent me a link to this LI post. Is this old news, or a new thing?

Presumably it's not for everyone in the whole zip code- do they do a soft pull first and combine what's on your credit report with the zip code that you live in? (It's certainly possible that this guy has opened/closed cards with other banks.)

Or have they simply flagged this guy's address due to other people at that address churning Amex cards?



they legally cannot do a soft pull without your consent. only if your existing customer. I have heard people getting the popup even with no previous Amex cards......

Offline Aerial Dag

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Re: Amex pop-up in certain zip codes automatically?
« Reply #8 on: November 09, 2020, 02:13:50 PM »
Ugh what a horrible post by this guy. Is he seriously using one example of someone being denied as a reason to call out all of Lakewood being banned?? Maybe changing the address just tripped up the Amex popup because they don't have a record of that guy being at a different address. Sounds like this guy is just trying to generate likes and shares.

Offline Samb

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Re: Amex pop-up in certain zip codes automatically?
« Reply #9 on: November 09, 2020, 02:23:48 PM »
Ugh what a horrible post by this guy. Is he seriously using one example of someone being denied as a reason to call out all of Lakewood being banned?? Maybe changing the address just tripped up the Amex popup because they don't have a record of that guy being at a different address. Sounds like this guy is just trying to generate likes and shares.
It possible that doesn't happen to everyone in Lakewood but it is pretty common. but it can be its on the address level, not the zip code

Offline Aerial Dag

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Re: Amex pop-up in certain zip codes automatically?
« Reply #10 on: November 09, 2020, 02:26:13 PM »
It possible that doesn't happen to everyone in Lakewood but it is pretty common. but it can be its on the address level, not the zip code
My point is, don't frame the post as OMG we are being targeted. Start by asking if anyone else has had something similar happen to them, inside or outside of Lakewood.

Offline Yosel

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Re: Amex pop-up in certain zip codes automatically?
« Reply #11 on: November 09, 2020, 02:31:05 PM »
Ugh what a horrible post by this guy. Is he seriously using one example of someone being denied as a reason to call out all of Lakewood being banned?? Maybe changing the address just tripped up the Amex popup because they don't have a record of that guy being at a different address. Sounds like this guy is just trying to generate likes and shares.
what do you expect from a ""LAKEWOOD GUY"" ?