Hello everybody.
I would like to share an experience I had with American Express. This post should also serve as a warning to be careful with how you conduct spends.
About 7 years ago as a bachur who did not know any better, I was pretty active in some of the 'spend' methods that were out there. It worked nice for some time, but it all came to an end with a Business gold card and a financial review.
Basically, at that time the popular 'spend' method was with the Target Red Prepaid card from Amex. I had just hit the spend requirement when suddenly it all went dead. I got the dreader FR call from Amex. My source of income was a summer job that had no paper trail and I was unable to provide any documentation. They let me keep the points but all my cards got canceled and that was that.
I soon after got married and moved to Israel for a few years. I recently moved back B'H with a family. I decided to apply for a new Amex card. I went to the Amex site and checked to see if I had any targeted offers. I saw that I had a gold card offer for 70k MR points and a 5k spend in 6 months. B'H at this point the spend would not be too difficult the normal route. Without thinking too much into it I applied, expecting to get the instant approval status. Unfortunately, that was not the case.
I got a letter in the mail a week later stating that I was "deemed ineligible for approval do to to having participating in activities such as misuse, abuse or gaming with an Amex product".
I then tried reaching out to corporate and sending them an email explaining what had happened and that I am now at a different status in life, but to no avail. They said that they will not change their position on the denial. I was just wondering if anyone had a suggestion for me at this point. (I already tried to become an authorized user on someone else's account)
Thanks