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It’s an interesting insight into the things that trigger Amex. Thanks for sharing and sorry for your experience.
You can’t pay off Amex directly with another credit card, but I’m wondering if they thought doing a balance transfer meant you were struggling to pay off debts?
A switched-on regulator would not permit this. Shedding customers who shop around for the best rates is unconscionable, and a risk engine that considers this is broken.
I doubt a balance transfer triggered the closure. Didnt JDB or someone mention that such closures are escalated internally and needs approvals? Doesnt closing them on the date of balance transfer shows the BT didnt actually trigger closure?
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