Three Strikes With Amex

I got my third denial from AmEx. I had a feeling they were not going to approve me due strictly to the fact that I have these 5 open credit cards:

  • AmEx Hilton Honors Surpass (Was Surpass, then Ascend)
  • AmEx Hilton Honors Aspire
  • AmEx Hilton Honors (Vanilla)
  • AmEx Marriott Bonvoy Brilliant (Was SPG Luxury)
  • AmEx Marriott Bonvoy (Was Vanilla SPG)

In the past the application would have gone into pending, and a phone call would have given me an option to close an account to get under 5 cards. Now I get this message:

We’re sorry, Derp. We can’t approve your application. You’ll receive a letter within the next 10 business days explaining the specific reason. Thanks for your interest in an American Express card.

And on the status page:

Anyone else out there with AmEx problems. I don’t want to poke the beast, so I am planning on upgrading my SPG to another Bonvoy Brillant, and my two Hilton to Aspire in a year!


One thought on “Three Strikes With Amex

  1. Steve says:

    Hi, I just got into the Hilton go-round and had a question. I recently upgraded back to the Aspire after downgrading it earlier this year. It looks like the airline credits don’t reset and I assume the resort credit also doesn’t. Is that supposed to happen? I didn’t think it would go off of what happened before the downgrade.

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