Amex F/R Master Thread

[Excalibur]

K that's what I originally requested.

Could you please let me know are there any minimum credit limits for delta or spg?

Thank you for the quick response I'm panicking

[Yeki89]

5)   What to do if American Express closed your accounts?
Once American Express closes your accounts, the only way to get back on is if you have the required information needed to pass a Financial Review. They will require you to request a 4506 form from the IRS (which will cost you $57) before they even approve any of your future applications.

Not necessarily true.

[Excalibur]

Thanks, I actually sent in the information already and they made the decision to close my accounts instead of reducing my credit line

[ilherman]

I would really appreciate any and all input on my current situation.

Amex notified me today that they were closing my accounts. I had a 5k limit on skyblue used a low amount of revolving credit (under 20%) and just got approved a year later (a month ago) delta and spg.

They put me under F/R. This year much less on the books.

I called them multiple times to get through to my account manager and he NEVER called me back except right now to close my accounts.

Is there ANYTHING I can do?!

They said it was because my household income does not justify my credit lines and that because I applied for it the business decision was to shut me down

How much was your reporting income?

[Excalibur]

Huca doesn't work I can't speak to anyone but my account manager and supervisors have to call you back

[Excalibur]

I also had twenty aus but 7 were the same people on three cards

[Yeki89]

You played the game hard, Amex played harder.

Wait it out 2 years and start again.

[Mm4goog]

I recently got the amex spg and need to spend 5k.
1) What's the safest way to spend it with VR and amazon payments?
2) Is it fine to pay Amex bill from BB directly or is it safer to withdraw it to my bank account and pay from there?
I am new to the game!
Thanks!

[ual902]

I recently got the amex spg and need to spend 5k.
1) What's the safest way to spend it with VR and amazon payments?
2) Is it fine to pay Amex bill from BB directly or is it safer to withdraw it to my bank account and pay from there?
I am new to the game!
Thanks!

I have spent on 3 SPG, AMEX Buisness and Amex premier rewards, I always did everyday spends such as gas, groceries, restraunts, AP and VR here and there and never got F/R,  I also paid my Amex Bills before the monthly statement.

[metziah]

I recently got the amex spg and need to spend 5k.
1) What's the safest way to spend it with VR and amazon payments?
2) Is it fine to pay Amex bill from BB directly or is it safer to withdraw it to my bank account and pay from there?
I am new to the game!
Thanks!

1) yup plus everyday spend , again as long as its in moderation, IMHO 1500 a month at cvs is fine . Obviously you can try more if you want, but your probably better off playing it safe.also with ap don't do 1000 I'd recommend different numbers 945,965 etc...
2)haven't had any issues paying directly

[HP58]

I have spent on 3 SPG, AMEX Buisness and Amex premier rewards, I always did everyday spends such as gas, groceries, restraunts, AP and VR here and there and never got F/R,  I also paid my Amex Bills before the due date.

What do you mean byAP & VR here and there? Approximate frequency? Amounts?

[ual902]

What do you mean byAP & VR here and there? Approximate frequency? Amounts?

AP $1000 a month
VR $500 per month sometimes $1000 per month and not always from CVS once I found VR @ a truck stop on the I10 in FL which was charged as a travel expense.

[Mm4goog]

Thank you

[HP58]

AP $1000 a month
VR $500 per month sometimes $1000 per month and not always from CVS once I found VR @ a truck stop on the I10 in FL which was charged as a travel expense.

And what was your total regular spending per month?

[ual902]

And what was your total regular spending per month?

Every month was different.

[metziah]

AP $1000 a month
VR $500 per month sometimes $1000 per month and not always from CVS once I found VR @ a truck stop on the I10 in FL which was charged as a travel expense.

What truck stop?name? Please

[ual902]

What truck stop?name? Please

On the I-10 near Talahasee, FL forgot the name.

[Zevwolf]

In case of a FR will they count FS and tax return as income to let you go?

[Excalibur]

I asked a supervisors supervisor to give me a call back. Can anyone help me out with any other advice maybe by phone? Thanks

[meshugener]

@Zevwolf:
Tax return is not income.

With FS they are legally required to accept it per the fair lending laws.
However they don't accept it. You're more than welcome to file a complain...