Amex F/R Master Thread

[A European]

What does that mean?
F/R coming soon? or something standard?
Got it on mine + wife account

[Dan]

or something standard?

That.

[dovy2]

That.

We all got that.
Every little change they make to the terms, they have to let all their millions of customers know

[zionest]

Hi,
 It’s one of  my first times on the forms & I'm finding it a bit hard 2 find the answer 2 my Q.
The story is like this I got my first amex premium rewards about 2 yrs ago( my first c.c. was a student card from chase that I got  3 month b4 ) I closed that card after a yr. Last yr I opened a new premium rewards & platinum. My spending Pattern was always very low regally under 1k. 3 month ago I swiped 10 k on my premium rewards & it went through.
 Then about 2 month ago I did the 4bm method & got approved 4 1 business premium rewards a  business spg a platinum consumer & a spg consumer. In order 2 meet the bonus, I gave it 2 someone & he did on all 4 of my charge cards about 15k they called me a week later about the different spending pattern & asked me 2 pay half on all my accounts & they will unfreeze all cards. I didn’t respond the person didn't pay up by the 2 weeks and now the FR is after me. They want my last 2yrs tax return. I only made last yr on my tax return about 5 1/2k and the yr b4 0. I told them on my app that I make 100k this yr I made already 15k on the books is there any way I can get out of this clean, holding on 2 my cards & points?  Is there any way I can just send them my pay stubs from the last few month? Is there any way I can still get all the points b4 I close it?

[Moshe123]

Hi,
 It’s one of  my first times on the forms & I'm finding it a bit hard 2 find the answer 2 my Q.
The story is like this I got my first amex premium rewards about 2 yrs ago( my first c.c. was a student card from chase that I got  3 month b4 ) I closed that card after a yr. Last yr I opened a new premium rewards & platinum. My spending Pattern was always very low regally under 1k. 3 month ago I swiped 10 k on my premium rewards & it went through.
 Then about 2 month ago I did the 4bm method & got approved 4 1 business premium rewards a  business spg a platinum consumer & a spg consumer. In order 2 meet the bonus, I gave it 2 someone & he did on all 4 of my charge cards about 15k they called me a week later about the different spending pattern & asked me 2 pay half on all my accounts & they will unfreeze all cards. I didn’t respond the person didn't pay up by the 2 weeks and now the FR is after me. They want my last 2yrs tax return. I only made last yr on my tax return about 5 1/2k and the yr b4 0. I told them on my app that I make 100k this yr I made already 15k on the books is there any way I can get out of this clean, holding on 2 my cards & points?  Is there any way I can just send them my pay stubs from the last few month? Is there any way I can still get all the points b4 I close it?

When will people learn that you don't give your CC to another person, unless extremely reliable??
There is a reason why they didn't spend it or couldn't spend it on their card.

[Moshe123]

Hi,
 It’s one of  my first times on the forms & I'm finding it a bit hard 2 find the answer 2 my Q.
The story is like this I got my first amex premium rewards about 2 yrs ago( my first c.c. was a student card from chase that I got  3 month b4 ) I closed that card after a yr. Last yr I opened a new premium rewards & platinum. My spending Pattern was always very low regally under 1k. 3 month ago I swiped 10 k on my premium rewards & it went through.
 Then about 2 month ago I did the 4bm method & got approved 4 1 business premium rewards a  business spg a platinum consumer & a spg consumer. In order 2 meet the bonus, I gave it 2 someone & he did on all 4 of my charge cards about 15k they called me a week later about the different spending pattern & asked me 2 pay half on all my accounts & they will unfreeze all cards. I didn’t respond the person didn't pay up by the 2 weeks and now the FR is after me. They want my last 2yrs tax return. I only made last yr on my tax return about 5 1/2k and the yr b4 0. I told them on my app that I make 100k this yr I made already 15k on the books is there any way I can get out of this clean, holding on 2 my cards & points?  Is there any way I can just send them my pay stubs from the last few month? Is there any way I can still get all the points b4 I close it?

Another thing, always follow precise instructions on a F/R.

You will probably have to close most if not all of your cards. As for the points, you might be able to salvage them. CMIIW.

[meshugener]

-1
Don't close the cards. Fill out the IRS form and see what happens.

[Moshe123]

-1
Don't close the cards. Fill out the IRS form and see what happens.

I didn't say that he should close the cards unilaterally right away. Just the likely outcome.

[meshugener]

And that's what im -1ing.
Its not the likely outcome.

[zionest]

so what do you recommend i do send in the authorization 4 them 2 access my tax returns from the past 2 yrs witch only has 5k? how could i salvage the points b4 i close it? is it accessible during the review?

[Yellow]

so what do you recommend i do send in the authorization 4 them 2 access my tax returns from the past 2 yrs witch only has 5k? how could i salvage the points b4 i close it? is it accessible during the review?

Send in your tax returns, give them an explanation, be friendly with your rep, and send in proof that you made $15k this year (pay stubs?)
Tell your rep to inform you before he/she closes the cards (if it comes to that) so you can do it first

I too submitted tax forms stating MUCH less than I put down in my app and I survived bh

[Hamavin]

if someone got FR after having zero income is there any chance he can get accepted 2 years later if he might not have to send in irs forms cuz still at zzero income or is it a waste of time?

[Dan]

if someone got FR after having zero income is there any chance he can get accepted 2 years later if he might not have to send in irs forms cuz still at zzero income or is it a waste of time?

Ask cbs

[Hamavin]

cbs?

[MEIR613]

cbs?

Cbs

[Cbs]

if someone got FR after having zero income is there any chance he can get accepted 2 years later if he might not have to send in irs forms cuz still at zzero income or is it a waste of time?

I don't really understand the case. U got shut down from an f/R or u got f/r'd and u passed and u want to know if u will get accepted later for more cards?
Or are you asking how to pass an f/R if u don't have income.

[Hamavin]

i got shut down from fr and want to reapply just dont want to waste my time if there is no hope

[Name Changed]

i got shut down from fr and want to reapply just dont want to waste my time if there is no hope

Do you have a tax return?

[EMES]

Got a fr and was given a hard limit by providing bank statements.
Received an email that the review was completed a few days later online showed charging suspended again contact them and they want my taxes .
Any one had this ?

[lich2539]

Hi,
 It’s one of  my first times on the forums & I'm finding it a bit hard 2 find the answer 2 my Q.
The story is like this I got my first amex gold rewards about a year ago and I never activated it. A few months passed and I had been targeted for a 50k offer and i applied for it. I was told that i currently have a gold card but i never activated it. I had asked the representative if I can cancel the non activated card and reapply fot the new one and receive the bonus and she said yes. Now after meeting the spending requirement withen the time limit I had not seen my points posted and I called back and was told that im blocked out from getting the bonus points because I had a gold card within 12 months. I told them that I was told that since it was not activated I can still be eligible and she said thats clearly not the case... any ideas?? thanks so much!