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Amex Platinum 100K Membership Rewards Frozen
Last week I shared my wife’s experience with getting in on the recent Amex Platinum 100K offer that surfaced on Thanksgiving Eve. She applied through a publicly available link and didn’t do anything special to get the application to work. Additionally she confirmed via chat that the 100K bonus was attached to her application. All was good, or was it?
Earlier this week reports began surfacing (HT Doctor of Credit) of people who applied under that offer having their Membership Rewards accounts frozen. This is the same type of behavior Amex showed towards applicants of a similar 100K offer earlier this year so it isn’t entirely unexpected.
While I saw those reports earlier in the week, I have been traveling and just got around to checking my wife’s account. To test to see if it was frozen, I decided to transfer 500 Membership Rewards points to my wife’s Plenti account with their current 50% bonus.
Attempting the Transfer
First, in order to transfer points I had to link my wife’s Plenti account to her Membership Rewards account. That worked perfectly.
Then I went to the transfer page and input the numbers for the transfer. Everything looked like it was going to work!
Then the problem came. As soon as I clicked “Confirm & Transfer Points” I got the dreaded notice. My wife’s account is under “review”. Boo.
Where To Go From Here
Thankfully my wife’s Membership Rewards account had the lesser of our balances and thus this isn’t a huge deal in the short term. She hasn’t even used the Platinum card yet, but will be earning the bonus through 100% normal spend. In fact, she received an Amex Offer giving 3X points at Amazon and we do a lot of shopping at Amazon. My guess is most of the spend will be completed there and we plan to spend more than the minimum to avoid any issues.
Other than spending on the card, we plan to let Amex do their investigation. During the deal earlier this year they eventually unlocked people’s accounts, so we will just let this go a couple of weeks and see what happens. My wife has never had another flavor of Platinum (where she is the primary), so Amex shouldn’t be able to deny the bonus based on those grounds. Remember too that she has confirmed the bonus in writing with Amex.
Is This Harassment?
The term harassment is a strong one and I fully believe Amex is within their rights to review accounts, but this is really ridiculous. My wife has not made one purchase on that Platinum card and thus there are no purchases to review. It is clear that they only froze her account (and the accounts of others) because she applied with a public application link that they don’t like. Call it what you want but at the very least it is very customer unfriendly.
On the other side, I was well aware of how they treated customers during the last 100K offer and even had a warning in my post covering this deal that people should use caution. In other words I am not trying to play the victim here. Should Amex treat customers this way? No, but I knew this was a possibility. An unfortunate one though.
My wife and I value our relationship with Amex and have no problem staying within their rules and terms. The simple fact is they had a public application that she applied through and now they are going to make life difficult for her because of it. It really is unfriendly behavior, but we’ll cross our “T”s and dot our “I”s to make sure we get the bonus.
Did you apply under this offer link? Has your Membership Rewards account been frozen? Please share your experiences in the comments!
Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers.