Amex F/R Master Thread

[rivkao]

I have a $35 credit on a card since August. I just didn't get to make that phone call.

No need for phone call. Do it yourself online at americanexpress.com/accountinquiry
Takes one minute

[Yehuda25]

"final stage of processing with the back end team"

Does that mean they plan on keeping the cards open?

Update! Passed BH!


Weird though, they slashed basically all cards to 3k, and there is a substantial tax return...   Does amex care about net or gross income?

[Marko Rubio]

Update! Passed BH!


Weird though, they slashed basically all cards to 3k, and there is a substantial tax return...   Does amex care about net or gross income?

mazel tov! Can u share how much was your reported income and how much your actual income on tax return?

[yochiek93]

Update! Passed BH!


Weird though, they slashed basically all cards to 3k, and there is a substantial tax return...   Does amex care about net or gross income?

Good going hope you never have to deal with them again

[Baruch]

If under F/R, and u close the cards, how long do you have to wait to get approved again?

[Yehuda25]

mazel tov! Can u share how much was your reported income and how much your actual income on tax return?

Reported matched the actual income - does not help apparently.

Always have to call in to have the accounts released by the fr rep, right?


Also, the account was approved on 9/16 so technically the spend should be met "within 92 days"

 tomorrow is the 92nd day, does that mean tomorrow includes "within 92 days'?

[Marko Rubio]

Reported matched the actual income - does not help apparently.

Always have to call in to have the accthin 92 days"

 tomorrow is the 92nd day, does that mean tomorrow includes "within 92 days'?

if its the same, why did they slash your cl?

[Yehuda25]

if its the same, why did they slash your cl?

they couldn't care less about what you originally wrote.

[Marko Rubio]

they couldn't care less about what you originally wrote.

i dont get it, if u wrote in the app lets say 50k and they gave u for example a 10k cl. And now they see in your return the same why should they slash it? What happened now they should slash it if they approved u for this cl based on this income?

[yochiek93]

i dont get it, if u wrote in the app lets say 50k and they gave u for example a 10k cl. And now they see in your rturn the same why should they slash it? What heppened now they should slash it if they spproved u for this cl based on this income?

Could be ratio of spend to earning

[Pete1212]

I had an fr two weeks ago. I have a platinum business card. Had it for 3 months only. I passed , however they put a 4K spending limit. Passing an FR is a good thing, but what is your standard after you pass. How would my limit increase? I do spend a lot on daily basis for my business. I can flip the card 7 times a week .

[Yehuda25]

I had an fr two weeks ago. I have a platinum business card. Had it for 3 months only. I passed , however they put a 4K spending limit. Passing an FR is a good thing, but what is your standard after you pass. How would my limit increase? I do spend a lot on daily basis for my business. I can flip the card 7 times a week .

+1 I am wondering the same thing

[Yehuda25]

not every single person,  by me b"h only 3 out of 6 got fr"d

lucky you!

[lechatchileh ariber]

If under F/R, and u close the cards, how long do you have to wait to get approved again?

I closed mine for that reason ~10 months ago.
Just applied and got approved for 2 cards.
A) people have reported quicker approvals.
B)iirc people have recorded denials after waiting longer than that too.
C) I may still be hit with an auto fr once I activate the cards.
Just my experiences.
Go for it, and good luck!

[lechatchileh ariber]

What are the working hours of the fr team?

[Mplace]

What are the hours of fr?

I think till 5 of 7 NY time, but I'm not sure

[lechatchileh ariber]

I think till 5 of 7 NY time, but I'm not sure

Thanks

[Yehuda25]

I think till 5 of 7 NY time, but I'm not sure

they all work mstz don't remember until when, can't really get through to them anyhow:)

[tzifanya54]

Reported matched the actual income - does not help apparently.

Always have to call in to have the accounts released by the fr rep, right?


Also, the account was approved on 9/16 so technically the spend should be met "within 92 days"

 tomorrow is the 92nd day, does that mean tomorrow includes "within 92 days'?

It's usually closer to 100 days from approval. At least IME. PUTPAC or chat to get exact day.

[Mplace]

they all work mstz don't remember until when, can't really get through to them anyhow:)

ye, but from like 5-6 am iirc