Amex F/R Master Thread

[AJK]

plat from unlimited to 12k, another from 15 to 8

Not too bad all things considered.

[Armadillo]

I added 3 AUs the other day with an honest explanation to the guy over the phone.  This brings the total AUs to 4.

1) Should I be concerned?
2) Are you able to tell online if your accounts have been frozen? My online AmEx account looks normal.

1) from my experience you should be fine. I actually think if you're going to add AU's it's better to do in one shot over the phone, rather than online especially if it's to add the same person to various cards.
2) if you go into your online account and click on any card it will come up with a message in red telling you to call them if they haven't spoken to you yet and there's a hold on the account

[Armadillo]

Not too bad all things considered.

more nerve-wracking than anything. Especially because the way they first explained it to me was 12k across all my cards, but that turned out to be an uneducated rep.

[churnbabychurn]

Called two days ago to add my wife as AU to my three accounts. Called today to expedite, was automatically transferred to FR dept cuz there was a "freeze". She needed to ask some Q: , where Im employed, income and also why I have been opening so many CC recently(not amex)? I told her we are planning to travel and wanted airline cards. She then asked about a $1000 amazon transaction from a while ago, whether it was for goods.
Then she said that for now my accounts are ok but she is taking note of my answers for future and said something tantamount to 'you bettah behave'. And of course there is NO way to expedite the new AU cards...

[Moishebatchy]

What if I sign up for new cards now, and add AUs directly on the initial application? Does anyone think that's as suicidal?

[AJK]

Personally, no.

[yoyo6713]

What if I sign up for new cards now, and add AUs directly on the initial application? Does anyone think that's as suicidal?

I don't think adding AU during initial application is risky at all.  Adding multiple AUs in short period of time is.

[Armadillo]

Postscript: Still waiting for a response on my wife's account.

Finally! My DW got emails from Amex lowering her limits, but she passed! (Plat went from unlimited to $5!!!k)

[Moishebatchy]

I don't think adding AU during initial application is risky at all.  Adding multiple AUs in short period of time is.

Even if I add 5 AUs to each card at time of application, doing a 3BM/4BM?

[moshiach1]

Added authorized users and called , I was transferred to the FR department.

Seems adding authorized users is a trigger

[AJK]

Added authorized users and called , I was transferred to the FR department.

Seems adding authorized users is a trigger

News flash

How many did you add?

[moshiach1]

News flash

How many did you add?

3

When i called I was transferred to FR.
Was the call the trigger?

[AJK]

3

When i called I was transferred to FR.
Was the call the trigger?

The adding was the trigger.

What call are referring to?

[Armadillo]

Things I learned:
1)Be careful with adding AU's.

If you didn't listen to 1, then
2)If you have no tax returns, convince them (sounding plausible as to why not), to allow bank statements.

3)If at first you don't succeed, HUCA!

4)If you send them what they ask for you should pass.

5)Do not send more than what they ask for.

6)You probably need to have visible cash-flow, though not consistent amounts.

7)If you follow the steps listed, you should pass with a credit limit reduction. (Reduction depends on prior credit utilization. The more you used your cards, the less they'll reduce you.

[moto]

Adding au's to gold cards does that trigger
Because I've done it many times with all my platinum cards that I churned in the past and bh nothing happened bit now the reason why I'm doing it with gold is because I want to get 25 dollars back on Saturday any advice of there is?

[Jkhein]

3)If at first you don't succeed, HUCA!

generally that is not an option at all.
You were lucky, but generally, there is one case manager assigned to your case, all calls will be transferred directly to them, and nobody else will talk to you, they will put you through to your case manager.

[Jkhein]

because I want to get 25 dollars back on Saturday any advice of there is?

my advice is, its just $25, dont take chances - especially with a gold card, that might be more of a trigger.

[Moishebatchy]

Adding au's to gold cards does that trigger

my advice is, its just $25, dont take chances - especially with a gold card, that might be more of a trigger.

Is that Biz Gold only, or PRG as well?

[AJK]

1) Business gold period seems to be a trigger
2) Adding AUs seems to be a trigger

To do both would seem to be foolish.

In the case of PRG, see #2.

[Moishebatchy]

In the case of PRG, see #2.

I'm talking about this:

What if I sign up for new cards now, and add AUs directly on the initial application? Does anyone think that's as suicidal?