I love credit cards so much!

[Judique]

There is a spot on the back of the card for a number but mine is blank. I guess they must not have created an account even though I thought they would. I'll be calling soon to get it sorted out

You could try going to the website and using your email and 'forgot password' to see if anything pops up for you. I always sign in with my email.

 

[amalone1013]

Caught DHs 500 FFD Plastiq sign up 4 days before expiration, so I put in an extra payment on my car to use them up. Phew!

 

[CyndiLouWho]

Hi! I also got the got 100k upgrade. My understanding is the $300 credit won’t go in affect until your anniversary renewal date (mine is 3/19). That was through an AMEX CSR so I trust DOC more

If you have any info re:$300 credit once you get your card and info, please post here. Would love to know for sure. I also have the 100k upgrade offer and am planning to do it next month. We already have a spring break trip booked for March and would use the credit, if available, although my annual fee is usually due in April so might not work.

 

[kidsfirsttrip]

If you have any info re:$300 credit once you get your card and info, please post here. Would love to know for sure. I also have the 100k upgrade offer and am planning to do it next month. We already have a spring break trip booked for March and would use the credit, if available, although my annual fee is usually due in April so might not work.

Ditto!!! Any upgrade DPs are welcome!!

 

[CyndiLouWho]

Do you have any Marriott (or the Ritz-Carlton) cards? If not, there's no rush to apply for the SPG Lux before tomorrow. Wait for a higher public offer (it will come, since Amex is already targeting folks with 125k Marriott points).

If you are using an upgrade offer for the SPG Lux, it doesn’t matter if you’ve had Marriott, correct?

 

[CyndiLouWho]

Checked in for my six night stay at the Disneyland hotel. Tickets, maxpass and the hotel were completely covered by using Chase URs.

So jealous! Have fun!

 

[Lain]

If you are using an upgrade offer for the SPG Lux, it doesn’t matter if you’ve had Marriott, correct?

Unclear. The upgrade offer terms don’t seem to include the 8/26 restrictive language.

 

[CyndiLouWho]

Unclear. The upgrade offer terms don’t seem to include the 8/26 restrictive language.

So if I tried the upgrade and was disqualified I would get the dreaded pop-up?

 

[kmc8826]

So if I tried the upgrade and was disqualified I would get the dreaded pop-up?

https://www.google.com/amp/s/www.do...-card-upgrade-offers-worth-a-second-look/amp/

I did the upgrade this morning after seeing this. I don't see any way you would get the pop up if you have the upgrade offer.

Upgrading was super simple. Brought the upgrade offer on my account and hit upgrade now and boom came back you are approved. It said use old card until new card arrives. I read through Doctor of Credit comments last night (I don’t brave Reddit) and someone had done an online chat that showed the calendar year $300 credit. Plus your AF prorated with credit for personal AF. Speculation that gift cards would count if bought directly at a hotel/resort. Said spend for bonus counted as soon as your card changed on the website.

 

[CyndiLouWho]

https://www.google.com/amp/s/www.do...-card-upgrade-offers-worth-a-second-look/amp/

I did the upgrade this morning after seeing this. I don't see any way you would get the pop up if you have the upgrade offer.

Upgrading was super simple. Brought the upgrade offer on my account and hit upgrade now and boom came back you are approved. It said use old card until new card arrives. I read through Doctor of Credit comments last night (I don’t brave Reddit) and someone had done an online chat that showed the calendar year $300 credit. Plus your AF prorated with credit for personal AF. Speculation that gift cards would count if bought directly at a hotel/resort. Said spend for bonus counted as soon as your card changed on the website.

I’m banking on not getting denied because I’m already working on 2 MSRs and the upgrade offer says valid until 10/31. I really can’t take on another MSR, especially Amex, today. I did read the terms and it doesn’t mention anything about Marriott CCs or bonus (which I got about 18 months ago) Thing is, you did it today, before those terms on applying for SPG Lux went into effect. No DPs yet (and by the time there are any, it will be too late)

 

[Lain]

So if I tried the upgrade and was disqualified I would get the dreaded pop-up?

Also unclear how Amex would handle that. Amex has two pop-up messages:

1. Ineligible for the welcome offer because you have or have had this card.

2. Ineligible for the welcome offer based on your history with Amex.

Ineligibility for SPG cards based on Marriott cards and bonuses falls outside of both. You’re ineligible because you have or have had certain cards with Chase, and based on your history with bonus offers with Chase. So I wonder if Amex will have another eligibility checker for SPG cards based on the new 8/26 restrictions, if Amex will just let your application go pending then deny you on review, or worst case Amex approves you but then denies you the bonus.

 

[mom2elal]

When you get denied for a card, do you always call recon? I'm thinking about calling about my Citi Premier denial, because I really have no clue what could be going on there, but I'm afraid of being questioned about why I have so many cc, why I applied for two the same day, etc. How does it usually go?

 

[disneedee]

If I add my wife as an AU to my oldest AmEx card, one that is well over 24 months old, will it still count against her 5/24?

I’m way behind in reading this but wanted to put this dp out there. I added dh as au to one of my ax and the date on credit karma lists the “NEW” card for him as of the date I added him. So probably will count against the 5/24.

 

[SouthFayetteFan]

I’m way behind in reading this but wanted to put this dp out there. I added dh as au to one of my ax and the date on credit karma lists the “NEW” card for him as of the date I added him. So probably will count against the 5/24.

Thank you for this helpful DP! That also sucks, lol!

 

[CyndiLouWho]

worst case Amex approves you but then denies you the bonus.

Agh don’t say that. I didn’t even consider that. I figured if there’s an offer in my account, and there are no terms regarding Marriott cards, I’d be ok. 5k Amex spend without reward would be awful. Amex is hard for me to meet MSR.

 

[Lain]

Agh don’t say that. I didn’t even consider that. I figured if there’s an offer in my account, and there are no terms regarding Marriott cards, I’d be ok. 5k Amex spend without reward would be awful. Amex is hard for me to meet MSR.

So on the one hand, this thread on r/churning notes the upgrade offer terms don’t contain the 8/26 restrictions: https://www.reddit.com/r/churning/comments/9a5r71/comment/e4tqyds?st=JLAC45OJ&sh=ab369818

On the other hand, DoC in the comments thinks the 8/26 restrictions apply to both welcome bonuses and upgrade bonuses: https://www.doctorofcredit.com/amex-spg-luxury-card-upgrade-offers-worth-a-second-look/

If you can’t take on another MSR, you shouldn’t worry yourself over the SPG Lux. The upgrade offer is supposed to expire 10/31. Before then, I’m sure we’ll have DPs whether the 8/26 restrictions apply to upgrades so you won’t waste your time and money.

 

[mom2elal]

Back when the two tabs trick was working, I added the CPK Amex offer to two cards. I used it on one card yesterday, but it's still showing on the other card. Does that mean that it will probably still work on that card too? I thought it would probably disappear from the second card when I used it on the first.

 

[CyndiLouWho]

So on the one hand, this thread on r/churning notes the upgrade offer terms don’t contain the 8/26 restrictions: https://www.reddit.com/r/churning/comments/9a5r71/comment/e4tqyds?st=JLAC45OJ&sh=ab369818

On the other hand, DoC in the comments thinks the 8/26 restrictions apply to both welcome bonuses and upgrade bonuses: https://www.doctorofcredit.com/amex-spg-luxury-card-upgrade-offers-worth-a-second-look/

If you can’t take on another MSR, you shouldn’t worry yourself over the SPG Lux. The upgrade offer is supposed to expire 10/31. Before then, I’m sure we’ll have DPs whether the 8/26 restrictions apply to upgrades so you won’t waste your time and money.

DoC not very convincing on that. No hard info, just AFAIK. Not in terms, so seems it should be ok. But with Amex who knows.

 

[Albort]

Back when the two tabs trick was working, I added the CPK Amex offer to two cards. I used it on one card yesterday, but it's still showing on the other card. Does that mean that it will probably still work on that card too? I thought it would probably disappear from the second card when I used it on the first.

you are grandfathered in. it should work twice. anything new wont add though.

 

[Lain]

I’ve been trying to better understand the Amex welcome bonus denial popup, and came upon another DP on FT: SPG Biz Bonus Denied — “I do have Amex Delta and Hilton cards - and used them minimally - enough to satisfy the bonus requirement”. Further supporting the lack of spend theory.