Amex F/R Master Thread

[YG]

I've closed multiple cards with chase moving the entire CLs to other cards. Relative newbie, but have closed three or four cards and never lost any CL .....?

[meshugener]

@Moishebatchy:
Re Chase: -1
They have such a policy, but a HUCA or a call to the lending dept. always helped.

[Dan]

I've closed multiple cards with chase moving the entire CLs to other cards. Relative newbie, but have closed three or four cards and never lost any CL .....?

+1.
If you're keeping the card open or if it has a balance that's when you can't move the entire line.
Otherwise it can be done.

[meshugener]

I don't say @Moishebatchy's experience is not true, I had the same with a 0 balance, but it very easy to get around.

[YG]

+1.
If you're keeping the card open or if it has a balance that's when you can't move the entire line.
Otherwise it can be done.

So is it likely that the reason the reason they won't let me move it all is because of the balance on the card from the annual fee?
If that assumption is correct, would paying the balance then increase the likelihood that they'd be prepared to move the whole CL to another card before closing it? Presumably I could then request a personal check for the refund of the annual fee once it shows up as a negative balance on the closed account.

Should this work for both the Delta Amex and the Citi AA Amex?

[MEIR613]

I want to do a 3bm spg,spg biz, mb plat. It's my first biz card. What precautions do I make in spending that I shouldn't trigger a fr. The basics are ap, use more than half the cl. What else should I be careful about (I can't afford a fr)

[Moishebatchy]

@Moishebatchy:
Re Chase: -1
They have such a policy, but a HUCA or a call to the lending dept. always helped.

I had this issue with 2 separate cards, called over a dozen times each with no luck. Maybe they notated my accounts...

[YG]

I had this issue with 2 separate cards, called over a dozen times each with no luck. Maybe they notated my accounts...

Was there a balance on the cards you wanted to move the CL away from at the time?

[Moishebatchy]

Was there a balance on the cards you wanted to move the CL away from at the time?

No.

The sin I was guilty of was "activity on the card within the last 3 months."

[PETERP]

No.

The sin I was guilty of was "activity on the card within the last 3 months."

?  I would not accept that answer . HUCA  Unless of course your activity was outside the T & Cs ?

[Moishebatchy]

?  I would not accept that answer . HUCA  Unless of course your activity was outside the T & Cs ?

I had this issue with 2 separate cards, called over a dozen times each with no luck. Maybe they notated my accounts...

[PETERP]

Anyone here understand what guilty of activity on a Chase credit card means . Isn't activity what Chase issues credit cards for?

is this supposed to be funny or some kind of inside joke ?

[meshugener]

Anyone here understand what guilty of activity on a Chase credit card means . Isn't activity what Chase issues credit cards for?

is this supposed to be funny or some kind of inside joke ?

I'm with you on this.

[txtmax4]

Anybody here went through an F/R, closed all their Amex cards and after some time had a smooth transition with applying for new cards without being requested F/R docs?

[Moishebatchy]

Anyone here understand what guilty of activity on a Chase credit card means . Isn't activity what Chase issues credit cards for?

is this supposed to be funny or some kind of inside joke ?

It's called being facetious. Also known as "tongue-in-cheek". Familiar with that concept?

[elikay]

+1.
If you're keeping the card open or if it has a balance that's when you can't move the entire line.
Otherwise it can be done.

+1
I once called Chase and asked to move over credit and close the card. The csr says not possible since you have a balance. I said try leaving over $500 and wonder of wonders, it worked!

[dirah]

Getting back on topic:
One of the people whose account I manage was f/r, and it only finished after SBS.
[Kinda defeated the purpose of getting all those AU's in the first place ]
Just got off the phone with them, and they are crediting all twelve accounts (including secondary) with $25, plus a courtesy of 3,000 SPG points for the "inconvenience".
I hope this is helpful to anyone in the same boat.

[peace123]

Anybody here went through an F/R, closed all their Amex cards and after some time had a smooth transition with applying for new cards without being requested F/R docs?

have the same question

[moish]

i havent read up until now, and i really dont want to.

would someone be so kind and answer the following:
at the end of the day, if i were to get FR'd, as long as i can provide a 1040 from 2011 that verifies the income i wrote on the application, i will be okay regardless of what triggered the FR in the first place (such as opening too many cards or adding too many AU's)??

thank you

[Moishebatchy]

i havent read up until now, and i really dont want to.

would someone be so kind and answer the following:
at the end of the day, if i were to get FR'd, as long as i can provide a 1040 from 2011 that verifies the income i wrote on the application, i will be okay regardless of what triggered the FR in the first place (such as opening too many cards or adding too many AU's)??

thank you

Yes.

Still a royal PITA, though.