Amex F/R Master Thread

[Name Changed]

Including wife's?

That worked for me

[dirah]

That worked for me

+1
Worked for both myself and my wife, and we were both F/R'ed at the same time.

[sruly101]

 
 Got the email yesterday for my business card......    and i cant prove ANY income Will call them today!

my main problem is that i got on it a $13k spending (probably this made the FR) that the statement didnt even close yet, and i can only pay it off after it closes (original only on the due date) if i want to close the cards before they do it, how can i push them that i should be able to pay it?
what will happen if i close the card with a balance?

What can i tell them when they tell me to prove income

[noturbizniss]

 Got the email yesterday for my business card......    and i cant prove ANY income Will call them today!

my main problem is that i got on it a $13k spending (probably this made the FR) that the statement didnt even close yet, and i can only pay it off after it closes (original only on the due date) if i want to close the cards before they do it, how can i push them that i should be able to pay it?
what will happen if i close the card with a balance?

What can i tell them when they tell me to prove income

Your pretty much screwed.  Same thing happened to my wife. We have plenty of personal income to support, but do not file taxes on business, so they said they would end up shutting down all biz cards. I just told them to close them as I didn't want the negative on my account.
As far as closing with balance don't worry. Once they remove the freeze you'll be able to pay the card as normal, by the regular due date.

[Newcc]

Does anyone know if there is another bonus for transferring MR in to Avios coming up?

[wierdal832]

Does anyone know if there is another bonus for transferring MR in to Avios coming up?

every few months, the last one ended in jan so id guess a few months away

[aryeh1]

Does anyone know if there is another bonus for transferring MR in to Avios coming up?

Wrong thread but it seems like a long shot

[sruly101]

Your pretty much screwed.  Same thing happened to my wife. We have plenty of personal income to support, but do not file taxes on business, so they said they would end up shutting down all biz cards. I just told them to close them as I didn't want the negative on my account.
As far as closing with balance don't worry. Once they remove the freeze you'll be able to pay the card as normal, by the regular due date.

Thanks, sounds like they did let open ur personal cards, did u prove any income for the personal or not?

[noturbizniss]

Thanks, sounds like they did let open ur personal cards, did u prove any income for the personal or not?

Didn't have to. I asked if the personal cards were under review and she said nope. I then asked if I close the biz cards will that end the FR and open up personal cards again. She said yep, so we closed the biz cards and within minutes my personal were free to use.

We were FR'd a few years ago at the tail end of the mint, and we have all our income on the books so it went fine (except for an apparent lifetime ban on AP and US mint purchases for my account - was told if I use AP or purchase from mint on any of my cards it's automatic closure of all cards under my name).

[sruly101]

Didn't have to. I asked if the personal cards were under review and she said nope. I then asked if I close the biz cards will that end the FR and open up personal cards again. She said yep, so we closed the biz cards and within minutes my personal were free to use.

We were FR'd a few years ago at the tail end of the mint, and we have all our income on the books so it went fine (except for an apparent lifetime ban on AP and US mint purchases for my account - was told if I use AP or purchase from mint on any of my cards it's automatic closure of all cards under my name).

Thanks so maybe on this part(leaving alone the personal) ill try to huca!

[noturbizniss]

Thanks so maybe on this part(leaving alone the personal) ill try to huca!

Definitely ask.

[dirah]

Your pretty much screwed.  Same thing happened to my wife. We have plenty of personal income to support, but do not file taxes on business, so they said they would end up shutting down all biz cards. I just told them to close them as I didn't want the negative on my account.
As far as closing with balance don't worry. Once they remove the freeze you'll be able to pay the card as normal, by the regular due date.

Didn't have to. I asked if the personal cards were under review and she said nope. I then asked if I close the biz cards will that end the FR and open up personal cards again. She said yep, so we closed the biz cards and within minutes my personal were free to use.

We were FR'd a few years ago at the tail end of the mint, and we have all our income on the books so it went fine (except for an apparent lifetime ban on AP and US mint purchases for my account - was told if I use AP or purchase from mint on any of my cards it's automatic closure of all cards under my name).

Why didn't you use your personal income to keep  your business accounts open?
That worked for me, and dozens others in the thread.
Even if you reported your real job, you could still say that you have a side job, e.g. ebay-seller, graphic or web designer, tutor or DDF'er, and you are using your business cards for that.

[noturbizniss]

Why didn't you use your personal income to keep  your business accounts open?
That worked for me, and dozens others in the thread.
Even if you reported your real job, you could still say that you have a side job, e.g. ebay-seller, graphic or web designer, tutor or DDF'er, and you are using your business cards for that.

That's what I told them (and wrote above). I was completely honest, said I sold small electronics and knick knacks for a few bucks on ebay and do not make enough to need to file a return but i have more than enough personal income to support it. She was very nice and understood my logic but she said that they are insisting on seeing the business name on my tax return with income in order to maintain the card. Like I said there is unfortunately no such thing as HUCA with FR so i was stuck with having the cards closed either way.

[dirah]

That's what I told them (and wrote above). I was completely honest, said I sold small electronics and knick knacks for a few bucks on ebay and do not make enough to need to file a return but i have more than enough personal income to support it. She was very nice and understood my logic but she said that they are insisting on seeing the business name on my tax return with income in order to maintain the card. Like I said there is unfortunately no such thing as HUCA with FR so i was stuck with having the cards closed either way.

If your name equals your business name, then it is on your TRs.

[noturbizniss]

If your name equals your business name, then it is on your TRs.

A. I didn't do my name=biz name, i did my ebay id.
B. I think they'd want to see actual business income (not a CPA here - is there some specific part of my tax return that would identify biz income?), however you make a great point - going forward I'm going to do that just in case that fullfills what they want.

[dirah]

A. I didn't do my name=biz name, i did my ebay id.
B. I think they'd want to see actual business income (not a CPA here - is there some specific part of my tax return that would identify biz income?), however you make a great point - going forward I'm going to do that just in case that fullfills what they want.

As I wrote earlier in this thread, both my wife and I (dealing with two different account managers) said that we just file everything lumped together as that is easiest, and the reps didn't have a problem with that, despite the fact that one of the account managers was a mamzer of the first order, (to put it mildly,) but he didn't object to this at all.

[noturbizniss]

As I wrote earlier in this thread, both my wife and I (dealing with two different account managers) said that we just file everything lumped together as that is easiest, and the reps didn't have a problem with that, despite the fact that one of the account managers was a mamzer of the first order, (to put it mildly,) but he didn't object to this at all.

Was it a classic ebay type business with $0.00 income reported on your returns? Cuz that's what mine is.

[sruly101]

Well all this wont help me either cuz i got a 0 personal income too! 

[dirah]

Was it a classic ebay type business with $0.00 income reported on your returns? Cuz that's what mine is.

No mention of any business on the returns. Just personal income.

[noturbizniss]

No mention of any business on the returns. Just personal income.

I am smacking myself so hard now. I used to do that years ago when I did biz apps, but the last couple years I put my ebay name and had no issues till a couple months ago. That's what I get for messing with something that was working.