Personal Referrals Lead To The Amex Popup? Multiple Data Points
If you remember I wrestled with the Amex Popup last year when I tried to apply for the Charles Schwab Platinum card. I was not able to get it because of the popup and Ryan just rubbed it in my face that he got it first try. Well after about 6 months I finally slayed the popup and was able to get new American Express cards again. Well it appears there is something else causing the popup to show for some. It appears that personal referrals lead to the Amex popup as well for some cards.
First Of All What Is The Amex Pop Up?
Before we get ahead of ourselves I should go over what the Amex pop up is. Around a year ago American Express started a program that would alert people if they were not eligible for a welcome offer. This pop up would appear after you hit apply telling you that you would not receive the welcome offer. You would be offered the chance to cancel the application after they informed you.
It sounded like a pretty customer friendly thing at first. Amex was going to let us know if we had the card in the past and just forgot about it etc. The program quickly morphed into something much more obscene and obscure. Amex had changed their terms that they could pretty much deny anyone for any reason they wanted. That is when the pop up started appearing in large numbers for people in the miles & points hobby. We were labeled as gamers or abusers and we were locked out of Amex applications. That was true for me too, until now!
Multiple Data Points
I first had reader Megan reach out to tell me that her recent application was thwarted by the annoying Amex popup. She had been using a person to person referral to apply so she could get extra points for the application, one of the perks of the two player system!
After seeing the popup she decided to use a regular link instead and forgo the extra points for using someone’s personal referral. This time there was no popup and she was able to grab the card and the juicy welcome offer. Her application was for a Delta personal card.
I thought this was kind of bizarre but thought maybe it was a unique experience. Why would American Express block applications that offer points? Referrals have to be one of the cheaper avenues for American Express to acquire new business. But then Megan sent me a Reddit thread that had the same thing happen. She also said she has read a few more data points that match their experience. It appears, for now at least, this has always involved the Delta co-branded cards.
I am not sure why American Express would be targeting referrals with the popup but it could be the reason for your recent dismay on your Delta application. If you have recently tried to apply for a new card and got one it is worth trying a non personal referral link to see if the popup still appears. Maybe the person referring the card is the issue or maybe their algorithm is going haywire sometimes. I can’t see the reason for it but if you run into the issue it is worth trying to see if this is a workaround to your popup.