Reply To: A bug in the Amex application algorithm

[Scott]

alig4th wrote:

What I have found in the past is that the system won’t let you reapply 90 days from when the account balance was zeroed out… So either the last credit refunded to your bank (e.g. because of a pro-rata refund) …

This is interesting to hear because there was a refund to my card in question many months after it was closed, although I can’t recall whether this happened before or after I first experienced the ‘duplicate application’ message.