Author Topic: Amex F/R Master Thread (Read 1929454 times)

rcarentals · « **Reply #1420 on:** August 14, 2012, 02:23:39 PM »

so should i be beleiving them that all i'm in for is worst case scenario some limit cuts or should i be expecting my accounts to be shut down?... they sent out all three of my cards gold plat and starwood... in the meantime can i use my PLAT to get into lounges?... even if they close them?

......

aryeh1 · « **Reply #1421 on:** August 14, 2012, 02:31:40 PM »

you can pass with 6500 income?

rcarentals · « **Reply #1422 on:** August 14, 2012, 02:34:55 PM »

dunno? could i? people have posted they did with bank account statements? maybe without too?... they told me they don't want my bank account statements?... i have a PRG personal and now these 3 biz cards.. gold plat and starwood.
am i definitely not passing?

A3 · « **Reply #1423 on:** August 14, 2012, 02:40:02 PM »

Will they need to see tax statements from your business? if its for a business card?

aryeh1 · « **Reply #1424 on:** August 14, 2012, 02:40:09 PM »

Quote from: rcarentals on August 14, 2012, 02:34:55 PM

dunno? could i? people have posted they did with bank account statements? maybe without too?... they told me they don't want my bank account statements?... i have a PRG personal and now these 3 biz cards.. gold plat and starwood.
am i definitely not passing?

I'm not saying you cant -just asking if anyone ever passed with that type of income

rcarentals · « **Reply #1425 on:** August 14, 2012, 02:45:29 PM »

Quote from: A3 on August 14, 2012, 02:40:02 PM

Will they need to see tax statements from your business? if its for a business card?

i filed as sole proprietorship.
they told me over the phone that since they weren't able to pull my business they are pulling my personal.

AsherO · « **Reply #1426 on:** August 14, 2012, 05:50:46 PM »

Quote from: aryeh1 on August 14, 2012, 02:40:09 PM

I'm not saying you cant -just asking if anyone ever passed with that type of income

I remember someone saying they had their limits cut drastically with 8k income.

rcarentals · « **Reply #1427 on:** August 14, 2012, 05:54:34 PM »

Quote from: AsherO on August 14, 2012, 05:50:46 PM

I remember someone saying they had their limits cut drastically with 8k income.

i read they even put soft limits on their charge cards...

AsherO · « **Reply #1428 on:** August 14, 2012, 06:12:16 PM »

Quote from: rcarentals on August 14, 2012, 05:54:34 PM

i read they even put soft limits on their charge cards...

Soft limit? Those don't really mean anything.

myb821 · « **Reply #1429 on:** August 14, 2012, 06:14:09 PM »

Quote from: AsherO on August 14, 2012, 06:12:16 PM

Soft limit? Those don't really mean anything.

i got limits on my charge cards and they arent soft

AsherO · « **Reply #1430 on:** August 14, 2012, 06:17:29 PM »

Quote from: myb821 on August 14, 2012, 06:14:09 PM

i got limits on my charge cards and they arent soft

Yup, those are called hard limits.

Charge cards don't have soft limits, but even if they did (after F/R), it wouldn't pose an issue.

Jay the PRESIDENT · « **Reply #1431 on:** August 15, 2012, 12:53:06 AM »

So even though a rep told I cud send in bank statement instead of tax return, amex still wants my taxes. So my question is do I lose anything by sending my tax info?

rcarentals · « **Reply #1432 on:** August 15, 2012, 01:08:49 AM »

is there a special form you needed to send in with your bank statements? if i just added them in to my fax would that be adviseable or not?

Name Changed · « **Reply #1433 on:** August 15, 2012, 01:19:39 AM »

Quote from: rcarentals on August 14, 2012, 05:54:34 PM

i read they even put soft limits on their charge cards...

What do you mean by soft limit?

Some of my charge cards have a limit that was not able to spend over

Jkhein · « **Reply #1434 on:** August 15, 2012, 08:06:17 AM »

Quote from: Name Changed on August 15, 2012, 01:19:39 AM

What do you mean by soft limit?

Some of my charge cards have a limit that was not able to spend over

he prob means, that even charge cards are not unlimited, they do have some kind of internal limit pattern.

A3 · « **Reply #1435 on:** August 18, 2012, 10:11:19 PM »

Giftcardmall.com
I know alot of things can lead to and amex f/r. is buying gift cards from giftcardmall.com
as big a risk as buying str8 from amex?

AsherO · « **Reply #1436 on:** August 18, 2012, 10:28:07 PM »

Quote from: A3 on August 18, 2012, 10:11:19 PM

Giftcardmall.com
I know alot of things can lead to and amex f/r. is buying gift cards from giftcardmall.com
as big a risk as buying str8 from amex?

I'd say a drop less. I don't think it's a flag per se, but once they review your account (to see if you should be F/R'd) these types of spend make them suspicious.

ANONYMOUS · « **Reply #1437 on:** August 18, 2012, 11:24:25 PM »

Quote from: AsherO on August 18, 2012, 10:28:07 PM

I'd say a drop less. I don't think it's a flag per se, but once they review your account (to see if you should be F/R'd) these types of spend make them suspicious.

Why??

Thanks!

AsherO · « **Reply #1438 on:** August 18, 2012, 11:34:21 PM »

Quote from: ANONYMOUS on August 18, 2012, 11:24:25 PM

Why??

Thanks!

1. They don't know what exactly you purchased at the 3rd party giftcard merchant.
2. It was suggested above that (at least in some instances) they went to look at how the GCs were used, with cards from a 3rd party they wouldn't be able to do that.

ANONYMOUS · « **Reply #1439 on:** August 18, 2012, 11:36:47 PM »

Quote from: AsherO on August 18, 2012, 11:34:21 PM

1. They don't know what exactly you purchased at the 3rd party giftcard merchant.
2. It was suggested above that (at least in some instances) they went to look at how the GCs were used, with cards from a 3rd party they wouldn't be able to do that.

& meaning, what are they afraid that you purchased??

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Author Topic: Amex F/R Master Thread (Read 1929454 times)