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For several years Amex had a hard rule of allowing only 4 credit cards per person. This counted both personal and business cards. Charge cards such as the Amex Platinum were excluded. Applying for a fifth invariably meant a discussion with Amex on closing another account.
This spring reports surfaced at FrequentMiler and Doctor of Credit that this was not longer being enforced, sometimes. Internet self-reports are hard to judge for accuracy. It is easy for people to get mixed up. Some others plant misinformation.
I was quiet with Amex recently so did not test it until now.
I entered the month with 3 Amex credit cards and 2 charge cards. The credit cards are Delta Platinum, no annual fee Hilton, and SPG business. A family member was targeted for Delta Gold 60k + $100 statement credit. I have never had that card so applied for both personal and business.
I was approved for business. Personal went to pending. Amex now delays processing of additional applications by 7 days. With the 7 days up, my application was processed and I was approved for personal.
5 credit cards for me. I want to add an EveryDay card to keep my Membership Rewards points active when I cancel my Platinum and Business Rewards Gold this month, so will try for #6 next week.
Readers, have you encountered the Amex 4 credit card rule this summer?