Amex F/R Master Thread

[Feivish]

They will ask you to fill a form that will give them permission to pull your tax return from last year, and yes, they will shut the business accounts if you can't prove revenue filed for that business.

[TimT]

I might have got hit with a FR on my new biz cards.

Any idea why you got FR'd ?

[Feivish]

Any idea why you got FR'd ?

Not sure but most likely unusual spending.

[srap]

Not sure but most likely unusual spending.

Are you referring to only increments of 500?

[rivkao]

They will ask you to fill a form that will give them permission to pull your tax return from last year, and yes, they will shut the business accounts if you can't prove revenue filed for that business.

-1 I've had with myself and others a different experience. Personal income is enough. You just say that you didn't file business income yet.

[yoshi]

Will a 20 year history with amex generally help with not getting an f/r?

[udip3146]

Will a 20 year history with amex generally help with not getting an f/r?

Don't think so. FRs are not done manually...

[talmid chuchem]

I got FR'd because of over spending on my new business platinum, told the rep that my business isn't open long enough for me to have had to file a return, so they told me the'll need a personal review.

I'm a amex member since 2014, if it makes a difference

I just for married, so i never filed, can i use my parents return, if my parents filed for me in their return? (They have enough income to pass it).

If yes where should i put my name and social on the 4506-t? (Should i put it on the line meant to state the spouses name and social?)

[yoshi]

I got FR'd on the because off over spending on my new business platinum, told the rep that my business isn't open long enough for me to had to file a return, so they told me the'll need a personal review. I just for married, do i never filed, can i use my parents return, if my parents filed for me in their return? (They have enough income to pass it).
If yes where should i put my name and social on the 4506-t? (Should i put it on the line meant to state the spouses name and social?)

Please go over your post and correct it so it makes sense.

[talmid chuchem]

Please go over your post and correct it so it makes sense.

Corrected, sorry. I'm new here

[Hamavin]

Upon apllying for my wife a few months after F/R they asked for tax form and then denied app cuz it was to low is there any way for me to get them to recon? They told me there is nothing they can do......

[srap]

Upon apllying for my wife a few months after F/R they asked for tax form and then denied app cuz it was to low is there any way for me to get them to recon? They told me there is nothing they can do......

You can always try HUCAing to recon for ANYTHING.  You'll be surprised how many times you'll succeed, iyh.  (And that's the real key.)

[etech0]

You can always try HUCAing to recon for ANYTHING.  You'll be surprised how many times you'll succeed, iyh.  (And that's the real key.)

Ah, if only we had as much patience as you do on these phone calls

[eli.f]

Ah, if only we had as much patience as you do on these phone calls

This game maybe money free (or very cheap) but it is by no means effortless.

[srap]

This game maybe money free (or very cheap) but it is by no means effortless.

+1!

[Moishebatchy]

Corrected, sorry. I'm new here

Are you new to the English language as well?

It's one thing to misspell a few words, or forget to capitalize a sentence or a proper noun. But it's quite another to really butcher a post like you did. It's a matter of basic human decency to look over something you just typed (especially when typing on your phone) and double-check that it's more-or-less readable before clicking "Post". Not to do at least a basic proofreading is absolutely inexcusable.

But other than that... welcome to the forums.

[eli.f]

I know its of topic, but I loved your list of programs.
How many Rav Kav points do you have?
 

[intgesh]

As stated in the wiki:
"In cases of a Financial Review after opening a Business Card, you will need proof of Business income."

If I was hit with an F/R and have one business card (SPG) and two consumer (Delta Gold and Blue) cards open, and I have a personal tax return from 2013 but not a business tax return, do I need to close down any of my cards, just the biz or all three? The F/R was triggered by too much spending vis-a-vis my reported income, the accounts themselves have been open since December 2013.

If it makes a difference, the letter I received in the mail regarding the F/R was addressed to my biz account.

Thank you!

[m65]

just got a msg to call fr dept.
i immediately called cs and closed 3 out of 4 amex cards, leaving open only my blue card with a cl of 3,600. never filed taxes. what is the chances of them letting me thru with just bank statements?
or is it not worth the risk and just shut down the last card b4 they do?
i have a few warrantied items on that card and i dont want to lose it.

[srap]

just got a msg to call fr dept.
i immediately called cs and closed 3 out of 4 amex cards, leaving open only my blue card with a cl of 3,600. never filed taxes. what is the chances of them letting me thru with just bank statements?
or is it not worth the risk and just shut down the last card b4 they do?
i have a few warrantied items on that card and i dont want to lose it.

Did you check out this thread?  Your BC may be the reason you got the phone call!