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I convinced my wife to apply for the nice Amex Delta Platinum Business card offer valid through 6/30. She rarely gets credit cards and was instantly approved.
We logged into her Amex account a few hours later for bill pay and noticed her personal Hilton card was canceled, while Delta Platinum personal card open in good standing. Hilton card she rarely uses, it may have been a year or more since it was used, not our usual practice though things slip through the cracks. Delta card she regularly uses.
We chatted with Amex and after going in circles “Yes, I can confirm your account is closed,” we pulled out from him that the Hilton had been closed and the credit moved to open the new Delta Business card. Any further info we would have to call, which we wanted to save for weekday business hours.
Moving credit in part or whole is a common tactic for getting card approvals, though I have never had it done without my consent or even notice.
We don’t care about the card, might one day want to collect the bonus again, so if the closure won’t do much harm to her credit report, we may just let it sit and not fight to reinstate.
Readers, has this happened to you at Amex or another bank? What should we do?