Author Topic: Amex F/R Master Thread (Read 1901984 times)

Jkhein · « **Reply #1640 on:** October 02, 2012, 08:08:45 PM »

I have an au on my account who got an FR today on their primary account. He will probably request to close his accounts. Will they close a card where he is just an au? And is it likely it will cause red flags for me?

Mimi K. · « **Reply #1641 on:** October 02, 2012, 09:39:00 PM »

Quote from: Jkhein on October 02, 2012, 08:08:45 PM

I have an au on my account who got an FR today on their primary account. He will probably request to close his accounts. Will they close a card where he is just an au? And is it likely it will cause red flags for me?

IME no
But YMMV! $:-\$

sky121 · « **Reply #1642 on:** October 02, 2012, 10:54:29 PM »

Quote from: Jkhein on October 02, 2012, 08:08:45 PM

I have an au on my account who got an FR today on their primary account. He will probably request to close his accounts. Will they close a card where he is just an au? And is it likely it will cause red flags for me?

Does he know what he did to cause the FR or was it a surprise?

Yellow · « **Reply #1643 on:** October 04, 2012, 03:16:33 PM »

shoot! I just got an f/r
Did an amex 3bm before yom tov and got approvals

myb821 · « **Reply #1644 on:** October 04, 2012, 03:17:14 PM »

Quote from: Yellow on October 04, 2012, 03:16:33 PM

shoot! I just got an f/r
Did an amex 3bm before yom tov and got approvals

do u have income on the books. and do u have any biz cards

Yellow · « **Reply #1645 on:** October 04, 2012, 03:24:10 PM »

Quote from: myb821 on October 04, 2012, 03:17:14 PM

do u have income on the books. and do u have any biz cards

no biz accounts
currently 4 cards open
only a few thousand dollars on the books (maybe $4-5k)
FR advisor seems to not be so mean and she advised me that if I fill out my 4506t even with barely any income they'll likely just slash my credit and not close my accounts.

myb821 · « **Reply #1646 on:** October 04, 2012, 03:25:19 PM »

Quote from: Yellow on October 04, 2012, 03:24:10 PM

no biz accounts
currently 4 cards open
only a few thousand dollars on the books (maybe $4-5k)
FR advisor seems to not be so mean and she advised me that if I fill out my 4506t even with barely any income they'll likely just slash my credit and not close my accounts.

ask to send in bank statements instead

Saver2000 · « **Reply #1647 on:** October 04, 2012, 03:27:46 PM »

I saw that right after I posted. I deleted my post. Please delete. Thanx

Yellow · « **Reply #1648 on:** October 06, 2012, 10:41:32 PM »

Quote from: myb821 on October 04, 2012, 03:25:19 PM

ask to send in bank statements instead

they didnt want my bank statements
Sent in my 4506t yesterday. My F/R rep is out of town till thursday so i won't know until at least then

Sdd · « **Reply #1649 on:** October 06, 2012, 11:41:25 PM »

I recently got approved for the Amex spg business(3k)and personal(15k).

Can someone please briefly note f/r triggers?

Yellow · « **Reply #1650 on:** October 06, 2012, 11:44:06 PM »

Quote from: Sdd on October 06, 2012, 11:41:25 PM

I recently got approved for the Amex spg business(3k)and personal(15k).

Can someone please briefly note f/r triggers?

http://wiki.dansdeals.com/AMEX_FR_TRIGGER_LIST

Saver2000 · « **Reply #1651 on:** October 06, 2012, 11:54:17 PM »

Quote from: Yellow on October 06, 2012, 11:44:06 PM

http://wiki.dansdeals.com/AMEX_FR_TRIGGER_LIST

Wow didn't know about that list. . . If someone wants to edit, its missing 2 that I could think of

1) AU doing most of the spending on the account

2) Paying from a checking account not belonging to the account holder.

#1 is for sure true (personal experience), #2 is a 'possible' trigger.

Sdd · « **Reply #1652 on:** October 07, 2012, 02:25:07 AM »

Moishebatchy · « **Reply #1653 on:** October 07, 2012, 02:25:50 AM »

Quote from: Saver2000 on October 06, 2012, 11:54:17 PM

Wow didn't know about that list. . . If someone wants to edit, its missing 2 that I could think of

It's a wiki. Why not do it yourself?

Yellow · « **Reply #1654 on:** October 13, 2012, 09:29:20 PM »

Passed my F/R B'H!
Accounts were reinstated over shabbas
Sent in my 4906t which showed only about $8k in income and they only lowered the limit on my PRG card to $3,000

My 3 other cards were not affected (Hilton card and spg had $9600 limit each that were untouched

and another old spg with a $2k limit wasn't affected either)

So far I've survived Chase A/A and Amex F/R... whats next??