Amex F/R Master Thread

[Mendylab]

5k but he had a 15k balance from the previous statement

Does paying back before swiping a large amount again, help not to get a fr, or regardless they look at the mounthly over all?

Also, is every card looked at by it self, or its an overall on all your cards? I just got the biz pla and biz gold, can I spend a lot on each, or the high amounts should be split between both?

Thanks

[Mendylab]

High spending on a new card could be a trigger. Check the wiki

I understand, but I have so far spent $4,000 each on 2 cards and I'm new to Amex...

In general I heard a lot people getting  of fr's for spending a lot on flights.... I am asking if flights in general on a new card like asking for a fr?

[Aj3042]

I understand, but I have so far spent $4,000 each on 2 cards and I'm new to Amex...

In general I heard a lot people getting  of fr's for spending a lot on flights.... I am asking if flights in general on a new card like asking for a fr?

Yes-watch out. And paying back before will NOT necessarily do the trick.

[txtmax4]

Does paying back before swiping a large amount again, help not to get a fr, or regardless they look at the mounthly over all?

Also, is every card looked at by it self, or its an overall on all your cards? I just got the biz pla and biz gold, can I spend a lot on each, or the high amounts should be split between both?

Thanks

see wiki.
Preparing might be a trigger.

[Aj3042]

see wiki.
Preparing might be a trigger.

That's prepaying to go over the limit. He's talking about paying down the bill as it goes.

[txtmax4]

That's prepaying to go over the limit. He's talking about paying down the bill as it goes.

Sorry, read it too quick :/

[rileywiles23]

Just had an identity concern on my wife's Amex account. She had to send them copy of, ssc, license, and notary. My question is, can I still call under her name ( yes I know she should just authorize... ) or is the account now noted with all the info. And they will see a man calling for a females account ?

[Aj3042]

Just had an identity concern on my wife's Amex account. She had to send them copy of, ssc, license, and notary. My question is, can I still call under her name ( yes I know she should just authorize... ) or is the account now noted with all the info. And they will see s mane calling for a females account ?

Can't imagine it makes a difference. If you're doing it until now it's prob fine.

[yakrot]

Just got f/r'ed

Here's the story. On the application I wrote one year so when they called me up I told them I have not yet filed taxes this year. I was put on  hold and when she came back she said that instead they will be requiring 2 bank statements and a tax extention form.

 I called the rep back and told her that after speaking with my biz advisors I realized that I may not end up filing taxes at all, so what should I do about the extension if there is none. She then made it seem to me like the important thing is the bank statements and that it does not need to be specifically the last two months.

My question is as follows I have two checking accounts one a 360 account that was dedicated to rc/serve with five k in and out every month my second account has a revolving balance of less than that but is more diverse which account should I use (I would assume the answer is number two)

My second question is that I would rather not risk my account being closed as opposed to Me closing it myself is there a chance that I can submit the statements and tell the rep this is all I have for now, please try and make this work... If it won't work please call me back and I'll see if I can get you the tax extention... In which case obviously I would preemptively shut down my account.

Any help would be appreciated thanks for all your help in the past.

update: I passed my f/r.

long story short, due to two combined factors 1)only claimed on application that it was my first year in business and told them over the phone that I will not even be filing this year (at first they wanted to see my extention)
2)they asked me for my personal income  to which I told them under 10k and that I never filed taxes.

I believe this to be the reason that all I had to send in was bank statements and even though they were fairly unsubstantial I passed my f/r, although they did put a cl on the card

Is it true that you come out of an  f/r stronger than before?  How careful do I have to be moving forward?

[Emkay]

update: I passed my f/r.

long story short, due to two combined factors 1)only claimed on application that it was my first year in business and told them over the phone that I will not even be filing this year (at first they wanted to see my extention)
2)they asked me for my personal income  to which I told them under 10k and that I never filed taxes.

I believe this to be the reason that all I had to send in was bank statements and even though they were fairly unsubstantial I passed my f/r, although they did put a cl on the card

Is it true that you come out of an  f/r stronger than before?  How careful do I have to be moving forward?

Nice! They didn't all whose income you wrote on the app?
Also dunno about your question but I know people who got fr'd more than once

[benjie1305]

update: I passed my f/r.

long story short, due to two combined factors 1)only claimed on application that it was my first year in business and told them over the phone that I will not even be filing this year (at first they wanted to see my extention)
2)they asked me for my personal income  to which I told them under 10k and that I never filed taxes.

I believe this to be the reason that all I had to send in was bank statements and even though they were fairly unsubstantial I passed my f/r, although they did put a cl on the card

Is it true that you come out of an  f/r stronger than before?  How careful do I have to be moving forward?

MT! And still, it wonders me that they have no issue with an alleged business that isnt filing and only has a 10k personal income to back that up. But that doesn't need to be your concern. 

[yakrot]

Nice! They didn't all whose income you wrote on the app?
Also dunno about your question but I know people who got fr'd more than once

They asked me who's income I wrote on the app and when I answered household, they wanted to know my personal income...

[yoshapman]

1 - Have we got an approx. amount of authorized users on a card that can trigger a F/R, or at least, "No one under 10 cards on one account has been F/R due to it, etc"
2 - A little off topic, but when adding Authorized users to an Amex, do you need a real DOB (and it is fraud if you just give any name/DOB just to get a card)?

[TimT]

1 - Have we got an approx. amount of authorized users on a card that can trigger a F/R, or at least, "No one under 10 cards on one account has been F/R due to it, etc"
2 - A little off topic, but when adding Authorized users to an Amex, do you need a real DOB (and it is fraud if you just give any name/DOB just to get a card)?

1-no known number
2-it is fraud to make up

[myi]

F/r is going to trigger once u hit a spending limit of how much and in how long of a time frame !? As well as having a bussiness cards multiple of 10 is that anything to be worried abt !?

[yakrot]

F/r is going to trigger once u hit a spending limit of how much and in how long of a time frame !? As well as having a bussiness cards multiple of 10 is that anything to be worried abt !?

There is no specific number that ppl know. try to keep it steady and spread out and hope for the best.

[Mendylab]

F/r is going to trigger once u hit a spending limit of how much and in how long of a time frame !? As well as having a bussiness cards multiple of 10 is that anything to be worried abt !?

You hit the jackpot, that's the million dollar question....

[Mendylab]

having a bussiness cards multiple of 10

?

[yakrot]

?

+1  doesn't really change the answer regardless.

[myi]

As I have a few cards open as I need different due dates in the month so have more then one of such card , like mend... Said makes no diff if by one u have to be carefull then fisure by many