Amex F/R Master Thread

[etech0]

You applied already?

Not yet

[theberk]

I just got F/R as well and I'm also a student. I told them that being that I am still a dependant I can send in my parents tax papers. They said that's fine but I must also send the last 3 statements of the checking account which I paid the CC from. (Even though I have only been with Amex for 1 month.)
I sent it all in. Waiting for good news...

Wow! That took a long time. But it worked. They didn't even lower my CLs!

[Hershelsdeals]

I got an email from Amex platinum


"The balance on your account is approaching a level where we may need to temporarily suspend your spending privileges. Please call us to ensure uninterrupted use of your Card."

Is this a FR?

[Boruch999]

I got an email from Amex platinum


"The balance on your account is approaching a level where we may need to temporarily suspend your spending privileges. Please call us to ensure uninterrupted use of your Card."

Is this a FR?

It doesn't sound like it. It sounds like "the balance on your account is approaching a level where we may need to temporarily suspend your spending privileges."

No preset spending limit does not mean unlimited spending, to quote the T&C.  They have a specific amount they are comfortable with you spending at any given time.  It sounds like you're getting close to that amount.

[Hershelsdeals]

Do you think that i should call them? or should i ignore the message and continue using the card after paying up the card?

[yoshi]

Do you think that i should call them? or should i ignore the message and continue using the card after paying up the card?

Uneducated opinion:
Pay bill. Then call.

[Hershelsdeals]

Uneducated opinion:
Pay bill. Then call.

The big question is,  what happens if i don't call?

[Boruch999]

Why wouldn't you call? I agree with yoshi, best is to pay bill and then call.  But I don't really see why you can't call even before paying.  Is there something unusual about your spending?  If it's triggered a flag,  I don't think ignoring them will help, but I can't say from experience.

[Hershelsdeals]

Why wouldn't you call? I agree with yoshi, best is to pay bill and then call.  But I don't really see why you can't call even before paying.  Is there something unusual about your spending?  If it's triggered a flag,  I don't think ignoring them will help, but I can't say from experience.

Nothing unusual,  the problem is that the card is on my wife's name and she's hates calling calling CC companies.

Let's say the issue is that I'm close to my credit limit,  if I don't charge my cc till my card is fully paid, shouldn't I be ok if I don't call?

[Novo]

Nothing unusual,  the problem is that the card is on my wife's name and she's hates calling calling CC companies.

Let's say the issue is that I'm close to my credit limit,  if I don't charge my cc till my card is fully paid, shouldn't I be ok if I don't call?

Go to americanexpress.com/accountmanager

You can do the same with Chase over the phone, just have your wife call in and say I'd like to assign my husband as a proxy.

[Hershelsdeals]

Go to americanexpress.com/accountmanager
You can do the same Chase over the phone, just have your wife call in and say I'd like to assign my husband as a proxy.

And?

[Novo]

And?

You'll be able to make the phone calls w/o her.

[Hershelsdeals]

You'll be able to make the phone calls w/o her.

Thanks

[Hershelsdeals]

Is there anything wrong with paying my business or personal CC from someone else's bank account?
Chase?
Amex?
Citi?

[bznt]

Amex does not like it.

[Hershelsdeals]

Amex does not like it.

What does that mean? Can it trigger an f r?

[Novo]

Is there anything wrong with paying my business or personal CC from someone else's bank account?
Chase?
Amex?
Citi?

When making an online or phone payment, how would they see it's not my account?
And if the bank account owner has the same name as me but different address, social, etc.?

[Boruch999]

When making an online or phone payment, how would they see it's not my account?
And if the bank account owner has the same name as me but different address, social, etc.?

There have been reports of them requesting bank statements for the account from which cc was paid, during an an F/R or a mini.  I imagine their purpose is to rule out this practice.

[Novo]

There have been reports of them requesting bank statements for the account from which cc was paid, during an an F/R or a mini.  I imagine their purpose is to rule out this practice.

They won't see until they ask for the statements? So how would that be a red flag/trigger?

[bznt]

They do see it the name of the account before they get the bank statements. . I just went through this they asked me why I am paying from other peoples accounts. They asked me for 3 months statements of all accounts that I made payments from. I faxed everything in I called they said well I did not get page 2 of statement #1 for April and so on. This went on for 3 weeks.   they made me so Meshuga that I said " it looks like you don't want me as a customer so please go ahead and close my account. " right away they closed my account as per my request.