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Amex信用卡由于其强悍的跨卡refer以及低门槛的下卡政策,一直是大家撸卡的香馍馍。刚开始出跨卡refer的时候,一度可以self-refer导致不少人撸旧版Amex Green撸得很开心(当时首年免年费)。随后Amex开始ban掉这些Self refer的人,甚至只self-refer一张卡也会被ban。过段时间后甚至开始针对大量下Amex Green的人杀全家。
时过境迁,现在已经没有人敢Self-refer了。然后依然有一些人的refer会被ban掉。有些情况的具体原因也不明确。概括下笔者碰到的几种情况。也欢迎大家补充自己的DP。
2.1 App端问题
这个情况在读者群里有讨论,主要是近期Amex app进行了小更新(查看benefit页面可以显示是否enroll福利了,以前只能看有没有;撤掉了部分人的app chat选项,大概都是不怎样用的人被撤了)。另外一个比较大的更新就是,所有人app内,酒店联名卡的refer生成都被移除了(笔者没有Delta信用卡,Delta的不清楚)。
如果你不信,打开app看看就清楚了。这个不用担心,网页端的refer还是在的。
2.2 未知原因全ban
最开始笔者以为自己碰到的是个例,有一个账号被全ban了(图片如下)。
Doc今天也引用了Reddit的几个DP,确实也有个别人出现此类情况。也都是集中在近期发生。
https://www.doctorofcredit.com/american-express-removes-some-users-ability-to-refer-friends/
这些DP(包括笔者的这个账号)都没有self-refer,但是所有卡都被禁止refer了,甚至包括新申请的卡,具体原因不明。如果是由代码决定的,预计未来会有更多人有此类情况。
2.3 部分ban
笔者还经历过账户部分卡被Amex ban refer的,但是会保留几张卡。这种情况会ban掉所有Amex自家MR Charge卡的refer(联名的Charge卡及其他个人卡会保留),目前经历过两次。
Amex也没给任何解释,但是笔者出现此类情况的背景都很统一:短期刷太多了,经常收到Amex警告邮件或者电话,不知道是否有影响。出现部分被ban的情况,targted的升级奖励也会被临时移除。
并且,过了财务危机后(账单还干净,不再接到警告邮件或电话),被ban的refer跟升级offer又自动回来了,比较玄幻。此类情况,笔者也跟几个博主讨论过,他们也觉得没见过,可能他们都比我有钱,所以不太容易被Amex判定有财务危机的情况😂。
首先,是否有refer要以Amex网页端为准(app端的不准)。目前被ban后,短期内老链接还是可以用的,大可放心,但有些人的link一段时间后会无效,具体时间未知。
解决办法很简单:网银申请换卡即可,YMMV。注意,卡号最好要换掉。差不多等你卡号变更了,refer也就回来了。这个方法目前大概率都可以成功,YMMV。关于换卡,可以参考:




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