5 COMMENTS

  1. Alas, the card issuer with the most straight forward, cut and dried rule for bonus illegibility is no longer so cut nor dried. The worst part (until the community gathers more DPs) is that it’s one of those variable risk things where there’s no clear answer on how many is too many.

    It sure used to be easy to help people figure out what card to get next. Now it takes a page worth of equations and IF/THEN/NOT logic functions!

    • Tell me about it! That’s why I offer free credit card consultations… so you don’t have to spend time figuring it out. Not that I will be able to tell much re Amex cards for a while (aside from what we already know from once in a lifetime and the limit of charge and credit cards you can have at one time).

  2. I think the solution was not made mostly to avoid driving away risk averse people that they actually want as customers, but I think their lawyers told them they needed to do something like this to avoid lawsuits based on illegally vague language. I think a bank can’t just say, “Here is the bonus we may or may not offer you based on whether we like your past habits or not, but we won’t say for sure until after you have spent several thousand dollars with us.”

    The pop-up alert and option covers that, and it’s a net positive for us in terms of the already existing once in a lifetime rule, since we often are not sure whether or not we have had the same card, another version of the card that counts or doesn’t count as the same card, a card so long ago it’s out of the system – it brings some improved clarity to the process.

    • Yes, that’s a good point as well re legality. I imagine it’s a combination of both factors as to why they implemented the pop-ups. And I agree, certainly better to have clarity rather than uncertainty for once in a lifetime rule. They essentially are taking the work out of that step of the process for us.

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