Amex F/R Master Thread

[sruly]

Per FR rep, you can't get approved for a CL increase or CL reallocation between cards for a year after passing an FR. Anyone know anything contradictory to that?

I had the same experience so I opened new cards a got new cards with higher limits.

[cholent]

I had the same experience so I opened new cards a got new cards with higher limits.

Same here. Credit lines slashed ridiculously but haven't had any issue running up huge amounts on a new charge card I opened after passing bH

[@Yehuda]

Thanks for the idea. I specifically want access to more CL on an SPG card (I currently have Biz), so I guess I could re-open the personal, but it kills me to open a card w/o a signup bonus.  Will have to add it into my next AOR.

[yn27]

Anybody have any experience with an account that was shut down due to FR, getting them to reconsider and reinstate the account?

[yochiek93]

Anybody have any experience with an account that was shut down due to FR, getting them to reconsider and reinstate the account?

Why was it shut down?

[David Smith]

Anybody have any experience with an account that was shut down due to FR, getting them to reconsider and reinstate the account?

System won't allow it, AFAIK.

[yn27]

Why was it shut down?

"income we currently have on file is not sufficient to support your overall financial obligations"

[shulem92]

Now that I passed my fr and I have a cl on my plat, does that make it no longer a charge card? Nafka minah if I wanna try and lower the cl like the Ritz card....

[emjee]

Now that I passed my fr and I have a cl on my plat, does that make it no longer a charge card? Nafka minah if I wanna try and lower the cl like the Ritz card....

Still a charge card

[cashasap]

ok just spoke to them they want my 2015 tax info the rep sounded nice  :)so do i send in the info even though its a fraction of what i wrote on the apps that i make? also i filed jointly with my wife and her account is fine as of now.... am i risking bringing her down with me by sending it in

     turns out my wife just got fr as well...

[yochiek93]

     turns out my wife just got fr as well...

Good luck

[sams]

Any possibility that fr would affect an active car rental insurance claim? Any data points?

[mochjas]

Any possibility that fr would affect an active car rental insurance claim? Any data points?

it shouldn't. But I don't have any data points

[srf60]

For account under fr, I don't wanna speak to rep, can I just upload the 4506-t, and not call at all?

Eta;
I uploaded the form a day after being fr'd, 1 week later I received an email that account has been cleared with credit limits slashed.
All this without ever talking to them.

[sams]

Any possibility that fr would affect an active car rental insurance claim? Any data points?

no way?

[isaac1]

Eta;
I uploaded the form a day after being fr'd, 1 week later I received an email that account has been cleared with credit limits slashed.
All this without ever talking to them.

where did you upload the docs? you never spoke to them at all?

[srf60]

where did you upload the docs? you never spoke to them at all?

Americanexpress.com/financialreview

No, never spoke to them.

[shulem92]

Americanexpress.com/financialreview

No, never spoke to them.

It wasn't so scary to speak to them...lol

[srf60]

It wasn't so scary to speak to them...lol

Oh, don't you worry this was not the first fr I dealt with........, was just a data point.
But according to many reports it can be risky.

[shulem92]

Oh, don't you worry this was not the first fr I dealt with........, was just a data point.
But according to many reports it can be risky.

That's true. Btw, how many have u dealt with??