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TWICE this year, I've received an email from American Express offering a generous upgrade offer to upgrade from the Delta Gold Amex to the Platinum (plus a 50,000 mile bonus and a $200 statement credit). When I try to redeem the offer, I am told that my cards don't qualify. Does anyone have any insight into why this is happening?

I may just apply for a new Platinum account, but upgrading is attractive because I don't really need two co-branded Delta cards, I have a very generous credit limit on the existing card, plus upgrades don't require a hard inquiry to the credit report.

My relationship with Amex goes all the way back to 2008. My credit score is 800+, my utilization is low, and I am in overall good financial health. I'm just perplexed about why I'm being denied this offer.

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