Mar 18, 2020 · The RAT Team could convince the top brass at AMEX that the only way to weather the financial storm is to prevent all abuse in their card portfolio (both proprietary and co-brand cards). They’d make it so you’d only be able to have one kind of card that earns Membership Rewards, period.

Apr 26, 2020 · Early on, I wondered what would become of the AMEX RAT department. Well, we know they’re not gone as they’ve been shutting down accounts of people who were refunded their airline incidental credits after their flights were canceled.

Apr 10, 2019 · The American Express Rewards Abuse Team (RAT) seems to be cracking down on people who have closed credit or charge cards within 12 months of them being opened. The terms on American Express cards state (emphasis ours) :

Oct 4, 2017 · The Amex RAT team has been on an absolute rampage this year. They updated their terms to penalize those gaming the signup bonus system; They may have begun cracking down on some kinds of minimum spend purchases for …

The Rewards Abuse Team (RAT) is a division within American Express that looks into accounts who try to game or abuse the rewards system. Often, people will tell me that they called into the American Express customer service line and talked to …

Feb 26, 2020 · Unfortunately, I see no course correction in AMEX’s future, and the RAT team will find more and more ways to say we’re abusing the system to claw back points and close accounts, even if we weren’t doing anything wrong.

Jan 6, 2025 · Has anyone received a letter or email with Rewards Abuse Team in the signature lines? Anyone ever talk to an AmEx agent who identified themselves as being with the RAT? Any other official reference(s)?

Aug 30, 2018 · Amex created the Rewards Abuse Team (RAT) in late 2016. The RAT has been on the hunt to close down deals and offers that have been been more generous than Amex may have intended. First up were headline items like not granting card sign-up bonuses for people who applied using offers or invitation codes for which they were not explicitly targeted.

Oct 22, 2018 · We are all well aware that American Express had language added that they can claw back signup bonuses in the event of abuse, and their RAT team has actually been doing that. Two key things to avoid clawbacks are to ensure the spend is normal, non-manufactured, and to keep the card for a year.

Mar 9, 2025 · The Roblox Assault Team, also known as the Frostarian Union, or simply RAT, is a war clan and considered a super clan due to their size. The group is currently in hiatus as of late 2019.