amex sending out email "ineligible for signup bonus"

[ludmila]

So far that hasn't really happened across the board... Even other banks dont do that.

I do not think this will happen, though they can start closing accounts for abuse.

[farmbochur]

Not to go OT, but why does Amex even care whether spend is MS or organic? They collect their fees either way.

[noturbizniss]

You guys who got the letter how did you meet the spend?

[moe8555]

Not to go OT, but why does Amex even care whether spend is MS or organic? They collect their fees either way.

For bonused spend categories, I can understand since the rewards given may be equal to or greater than the charge fees collected.

For non-bonused spend, completely agree with you.

[Hershelsdeals]

Is this only happening to delta cards?

I received a Personal Plat NL offer, should i skip?

[chinagel]

You guys who got the letter how did you meet the spend?

regular spending

Is this only happening to delta cards?

I received a Personal Plat NL offer, should i skip?

i wouldnt skip, i got the email after already getting the points. clawbacks are unlikely IMO aand you can always use the miles first.

[Dan]

Not to go OT, but why does Amex even care whether spend is MS or organic? They collect their fees either way.

1. They wan to collect cash advance fees on cash equivalents.
2. They want signup bonus breakage
3. They don't want to offer more bonus category points than they have to as that's a loss leader for the card.

[Dan]

I guess this RAT is paying dividends. Some MS spend is no longer earning points.

Namely?

[Dan]

regular spendingi wouldnt skip, i got the email after already getting the points. clawbacks are unlikely IMO aand you can always use the miles first.

I'm sure AMEX and Delta will find a way to make clawbacks work if they want to.

[yelped]

Namely?

+1.

[farmbochur]

1. They wan to collect cash advance fees on cash equivalents.

None of what their doing addresses this

2. They want signup bonus breakage

How big a deal is this given once per lifetime limit?

3. They don't want to offer more bonus category points than they have to as that's a loss leader for the card.

Then why not just cap the bonus like Chase does with 5x on ink/freedom?

[chinagel]

I'm sure AMEX and Delta will find a way to make clawbacks work if they want to.

not saying its not possible, just that its a lot less likely. also, delta doesnt neccessarily want to

[yitzf]

Not to go OT, but why does Amex even care whether spend is MS or organic? They collect their fees either way.

Perhaps they don't want the MS type people. They generally cost Amex a lot in frequent sign up bonuses but don't provide long term revenue.
They want long term consistent spenders, and if you need MS to reach a 3k sign up bonus they probably wont make much on you long term.

[tzifanya54]

Did anyone actually get anything clawed back? (after receiving the email)

[mmgfarb]

Amex already shut down the people they were costing them the big $$, I don't think this crazy level of scrutiny on the average consumer is going to be worth it in the long run.

[mmgfarb]

Is this only happening to delta cards?

I received a Personal Plat NL offer, should i skip?

You will get it clawed back, that's pretty much a guarantee. You can negate the damage if you really want to though.

[Hershelsdeals]

that's pretty much a guarantee.

-1000000

[Hershelsdeals]

Amex already shut down the people they were costing them the big $$, I don't think this crazy level of scrutiny on the average consumer is going to be worth it in the long run.

Source? Total BS AFAIK

[mmgfarb]

Source? Total BS AFAIK

I don't mean that they closed everyone's accounts but they made it a lot harder to do what they were doing. It was those people that were costing amex so much, not the random people signing up for a regular delta card.

[mmgfarb]

-1000000

Alright, if you feel so strongly about it, why even ask?