{"id":4915,"date":"2022-07-21T04:00:00","date_gmt":"2022-07-21T10:00:00","guid":{"rendered":"https:\/\/milesearnandburn.com\/?p=4915"},"modified":"2023-04-18T11:32:30","modified_gmt":"2023-04-18T17:32:30","slug":"american-express-nlls-and-the-popup","status":"publish","type":"post","link":"https:\/\/milesearnandburn.com\/index.php\/2022\/07\/21\/american-express-nlls-and-the-popup\/","title":{"rendered":"American Express: NLLs and the Popup"},"content":{"rendered":"<p>The greater manufactured spend and churning collective has been slowly twirling toward a land of confusion with American Express application rules, especially related to no-lifetime language (NLL) applications. Let\u2019s clear it all up: Lifetime language and a popup during a new credit card application aren\u2019t the same thing, and they don\u2019t matter in the same ways.<\/p>\n<h4>(No-)Lifetime Language<\/h4>\n<p>Lifetime language with American Express cards means that the application\u2019s terms and conditions say something like the following, usually in bold, usually as the very first sentence:<\/p>\n<\/p>\n<p class=\"has-ek-indent\" style=\"--ek-indent:20px\">\u201cWelcome offer not available to applicants who have or have had this Card or previous versions of <em>[CARD]<\/em> from American Express\u201d<\/p>\n<p>No-lifetime language (NLL) means there\u2019s no such language in the terms and conditions. <\/p>\n<p>Practically speaking, this language doesn\u2019t actually matter to a churner because unless you need to arbitrate with or sue American Express, the terms and conditions don\u2019t affect whether or not you get a sign-up bonus. What does matter then?<\/p>\n<h4>The Popup<\/h4>\n<p>If you\u2019re not eligible for a sign-up bonus, American Express will tell you before you submit your final application. You\u2019ll see a popup that says:<\/p>\n<\/p>\n<p class=\"has-ek-indent\" style=\"--ek-indent:20px\">\u201c<em>Name<\/em>, based on <em>[reasons]<\/em>, you are not eligible to receive the welcome offer. We have not yet performed a credit check. Would you still like to proceed?\u201d<\/p>\n<p>If you get that popup, you\u2019re not going to get the bonus whether or not the card has NLL. If you don\u2019t get the popup, you are going to get the bonus whether or not the card has NLL provided you hit the spend requirements.<\/p>\n<h4>Why You Should Care<\/h4>\n<p>Since lifetime language doesn\u2019t matter unless you want to sue or arbitrate with AmEx, why do we talk about it so much? A couple of reasons:<\/p>\n<ul>\n<li>No-lifetime language offers are less likely to give a popup<\/li>\n<li>No-lifetime language offers will often let you get multiple accounts for the same card<\/li>\n<\/ul>\n<p>So, don\u2019t be afraid to lob in an application for a juicy American Express sign-up bonus because you\u2019ve already had the card and it\u2019s not NLL. If you don\u2019t get a popup, the bonus is in the bag.<\/p>\n<div class=\"wp-block-image is-style-editorskit-rounded\">\n<figure class=\"aligncenter size-full is-resized\"><img decoding=\"async\" alt=\"\" class=\"wp-image-4917\" sizes=\"(max-width: 819px) 100vw, 819px\" src=\"https:\/\/milesearnandburn.com\/wp-content\/uploads\/2022\/07\/bonus-in-the-bag.jpg\" srcset=\"https:\/\/milesearnandburn.com\/wp-content\/uploads\/2022\/07\/bonus-in-the-bag.jpg 819w, https:\/\/milesearnandburn.com\/wp-content\/uploads\/2022\/07\/bonus-in-the-bag-300x207.jpg 300w, https:\/\/milesearnandburn.com\/wp-content\/uploads\/2022\/07\/bonus-in-the-bag-768x531.jpg 768w\" width=\"420\"\/><\/figure>\n<\/div>\n<p class=\"has-text-align-center\" style=\"font-size:14px\">Pictured: The bonus in the bag.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The greater manufactured spend and churning collective has been slowly twirling toward a land of confusion with American Express application rules, especially related to no-lifetime<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_editorskit_title_hidden":false,"_editorskit_reading_time":1,"_editorskit_is_block_options_detached":false,"_editorskit_block_options_position":"{}","footnotes":""},"categories":[54,56],"tags":[],"class_list":["post-4915","post","type-post","status-publish","format-standard","hentry","category-credit-cards","category-wisdom"],"_links":{"self":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/4915","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/comments?post=4915"}],"version-history":[{"count":7,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/4915\/revisions"}],"predecessor-version":[{"id":6985,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/4915\/revisions\/6985"}],"wp:attachment":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/media?parent=4915"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/categories?post=4915"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/tags?post=4915"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}