‘Credit Card Offers’, updated for June 2013

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• thesaver79 says:

  3 Jun3 June 07:42

  I imagine there is still a limit of max 2 Amex credit cards per account holder?

  • Simon says:

    3 Jun3 June 07:56

    I had 2 AMEX issued American Express Credit Cards and the Gold card but was accepted for the SPG card last month.

    • Rob says:

      3 Jun3 June 08:07

      Yes, some people do seem to be able to get more than the ‘2 plus 2’ rule – which, of course, means it isn’t technically a ‘rule’ at all …

• Flashware says:

  3 Jun3 June 07:50

  I’ve found the HH Plat Visa very difficult to get. I applied / was approved, just needed to send some ID in. Did that straight away, however still yet to receive my card. In the mean time, the 4 Hilton stays I had that I was planning to use against it to trigger the extra 10,000 HH points have now occured and I only have a few award stays in the pipeline, very annoying!

  • Flashware says:

    3 Jun3 June 11:44

    An update …. although I had a letter already saying it was approved and just asking to confirm ID, sent that in 2 weeks ago … then received a letter today saying denied due to not able to verify who I am. These guys are useless! Rang them up and spoke to them, they’ve diverted it to their paper applications team.

    • Flashware says:

      3 Jun3 June 12:01

      … and they’ve just called and said it was a system error and should not have received the letter …. and it’ll take another 2 weeks to sort. Barclayscard are useless!

      • momomo says:

        4 Jun4 June 15:21

        I went through a very similar process on signing up.

        And you still have all the fun of chasing statement points to look forward to! Good luck 🙂

        • Flashware says:

          4 Jun4 June 16:22

          Thanks! 😀 I’ve heard they were useless on the PC card, so no surprises really. Ah, the things we do for benefits.

• PGW says:

  3 Jun3 June 08:19

  Does the referrer have to hold the exact Amex card to refer for that product or can any Amex cardholder do it and still collect the bonus?

  • Lakin says:

    3 Jun3 June 10:22

    You need to have a similar card.
    e.g. Gold can refer to Platinum, Gold or Green
    BA can refer to BA or BA Premium
    SPG can only refer to SPG
    Here is the link to do it which has more details:
    https://www.americanexpress.com/uk/recommend-a-friend/default.shtml

  • Rob says:

    3 Jun3 June 10:23

    A Gold, Plat or Green can refer either a Gold, Plat or Green

    A BA or BA Premium Plus Amex can refer either a BA or BA Premium Plus

    SPG can only refer SPG

    You only refer across the same reward scheme, basically, so any Membership Rewards card can refer any other personal Membership Rewards card etc. Which is logical, as they pay you in points!

• Simon says:

  3 Jun3 June 08:40

  I’m struggling with the £500 per month on my Lloyd’s card, by the time it arrived I only had 2 weeks before my first statement was due, I’ve made the spend by buying gift cards but Lloyd’s seem very slow at putting the transactions on my account, purchases made last Wednesday still aren’t showing.

  • Rob says:

    3 Jun3 June 10:26

    I agree, it is a pain. This is why I do not promote the card as much as I logically should, given the bonus. It is actually worse than you think, because someone got refused the bonus despite spending £500 per month because Lloyds was using a different set of dates – one it was impossible for the cardholder to know.

  • Brian says:

    3 Jun3 June 17:02

    I’ve noticed their tardiness too – I’m coming up to the end of my third month and expenditure I made on the 30th May has STILL not appeared today (4 days later) and apparently, today is my cut-off date. So it’s likely that I won’t get the bonus, which is annoying – and makes me think that they might be doing it deliberately!

    • Simon says:

      3 Jun3 June 18:35

      I have no idea what my dates are, I applied on the 12th, was accepted on the 14th, activated my card on the 24th and my statement starts on the 7th each month. I’ve spent over £500 in my first week but Lloyd’s are so slow with the transactions my account is showing that I’ve spent £6! I don’t know if it is the date you spend the money or the date the spend appears on your account that counts. After having the card for a week I really appreciate how good AMEX are.

      • Jamie says:

        4 Jun4 June 09:14

        Has anyone spoken to Lloyds about this ?

        I applied in the middle of May and my first statement arrived yesterday dates up to 24th May (aprox12-13 days later). My statement only had £350 but I have spent £650 within 3 weeks of my actual start date.

        The website says the one months spend is from your start date but I can see this being an issue where I spend the £500 for the next 2 months as well and don’t get the bonus.

        • Rob says:

          4 Jun4 June 09:18

          It is even worse than this. It appears it is actually from account opening date – a date you don’t know. It is a bit earlier than your statement date. Someone on Flyertalk managed £500 of spend per statement but was refused the bonus because Lloyds used a month which was a couple of days different from the statement month, and some end of month charges didn’t count.

          He even appealed this to the Ombudsman but was thrown out.

        • Brian says:

          4 Jun4 June 11:33

          I spoke to Lloyds about this in the first month, since I wanted to be sure. They told me that the start date was 5 March – which is the date of the email saying that I’d been accepted. The actual card didn’t arrive until at least 10 days later and my first statement date was 23 March. No, I don’t know how they arrive at these dates…
          I would definitely advise anybody applying for the card to phone up Lloyds as early as possible and find out when the start date for the bonus is – that way, you can organise your spending appropriately.

        • Simon says:

          4 Jun4 June 12:39

          I’ve phoned up twice now and haven’t been able to get an answer, the first person didn’t know what my dates were and the 2nd person said it was per calendar month! Turned out he was giving me details of a different offer. I thought it would be per statement month but looks like it isn’t, I’ll have to phone up again, as I didn’t apply until 12th hopefully I’ve got a couple of days to buy another gift card for the first month.

• dan says:

  3 Jun3 June 10:10

  Fully refundable expedia hotel bookings for next year does the trick

• PGW says:

  3 Jun3 June 11:52

  Thanks Raffles.

• Boi says:

  3 Jun3 June 21:33

  I cancelled my Amex gold card last month. Will I get the bonus if I apply for the SPG card now or do I have to wait 6 months?

  • Rob says:

    3 Jun3 June 21:43

    You are fine to get SPG now, there are no restrictions on that

    • Michael says:

      4 Jun4 June 21:54

      In case you cancel the SPG AMEX card for a part refund – can you keeo the account to decide later how to use the SPG points and what to use them for. i.e. to change them to AVIOS months later?

      • Rob says:

        4 Jun4 June 21:59

        Yes of course. Once your points have been sent to Starwood Amex cannot touch them.

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