AmEx 运通 MR 积分 Clawback 事件【2019.11 更新：今天部分用户账户被关】

【2019.11 更新】今天有用户 report 自己运通账户被关 大概从 11 月 4 日 4pm EST 开始有人汇报，大家在猜测是否与以下事件有关

1. 近期有没有在 bonus categories 制造消费
2. 有没有使用 pay-over-times
3. 有没有自己 refer 自己申卡
4. 有没有被 financial review
5. 有没有用一些方法 reset spend limits
6. 有没有持有多张同样的信用卡
7. 有没有用今天 bug 首年无年费 Hilton Aspire 链接申卡

已经有专门的帖子讨论，主要猜测还是 self-referral 导致的 【2019.10 更新】这两天又来了一拨 claw back，有些朋友的积分已经显示了负数 比上次更严重的是，部分用户也不能生成 referral link 了，会提示“Your Card is not eligible to participate in this campaign”。 详细讨论可以看这个帖子 【2019.7 更新】Reddit 上有 data point 爆出，最近不少账户运通 MR 积分有大幅减少的现象 有人账号少了 90k 积分，并且收到了运通如下的邮件。

"We are writing to let you know that, after careful review of your Membership Rewards® account activity, we have removed points in your Membership Rewards® program account. Please ensure that any Additional Card Members who are authorized to redeem points from your account are notified of this change in your Membership Rewards balance.

Why we are removing these points We recently noticed point accrual or redemption activity on your Membership Rewards program account that indicates an effort to obtain or use points in a manner that is not appropriate. It's important for you to know that the Membership Rewards program terms and conditions state that "If we in our sole discretion determine that you have engaged in abuse, misuse or gaming in connection with earning or using points or that you may attempt to do so, we may:

Take away any points in your program account, Temporarily suspend your ability to redeem points, Temporarily suspend your ability to earn points, Cancel your program account, or Cancel any of your American Express Cards"

邮件没有明说，但大家普遍怀疑是跟 self referral 有关。如果已经自己 refer 申卡获得大量积分，可以考虑尽快 redeem 了，不少被收回的积分就发生在这两天。至少近期不要 refer 自己申卡比较安全。