AMEX Invitation

smithers1981

Hi about two months ago i applied and was declined for an AMEX cashback credit card.

Today i receive a letter from them inviting me to apply for an AMEX gold charge card.

Am i likely to be accepted? Obviously AMEX know my details, i don't want to waste a new search though.

Also not sure about the fees £125 a year but free for first year.

i will only spend about 4K on it which makes me think it not really suitable, but the more times AMEX turn me down the more i want one.

Buzby

No. There is no correlation between the mailing list and the scoring/acceptance process. They did this with me in 1998, with a 'you've been approved' marketing letter - only to be declined.

Taking it to the ASA achieved nothing, as they explained the approval related to the offer of a free card for my spouse, NOT the card itself!

InsideInsurance

Their marketing works well doesnt it?

I would find it highly unlikely that any review of data has happened. Companies tend to be fairly poor at removing people from marketing lists they buy - I've been a sky customer for 10+ years and still monthly receive letters inviting me to join sky.

From memory Amex recommend leaving 6 months between applications. Personally I reapplied after 2 months as I suspected I knew their concerns the first time and had taken corrective actions, and was accepted

BugsyBrowne

You had a barclaycard invitation drop through your door the other week aswell you must be on some sort of mailing list.

smithers1981

i have a barclaycard so mailing was an existing customer offer, and i assume AMEX got my details from recent application, i also appealed decision but no avail.

I am not going to pursue it this time, i really want cashback card rather than a charge card, and as ive made several applications in last few months i am going to wait until new year before applying for anything else.