Amex F/R Master Thread

[srap]

I'm not under FR yet. Just the fraud department. I expect to get FR'd within the next couple of weeks, though.

The fraud department told me that a CSR tipped them off that something I said on the phone didn't sound right so my account had been flagged to the the fraud department the next time I called in. A fraud supervisor cleared it after asking me a few questions.  Just a waste of 20 minutes.  The original CSR didn't speak a "well English" and therefore misunderstood me.

I am constantly speaking to the fraud dept with every new CC for the first three months.   

[srap]

How many times did you spend 125k in 60 days without an FR?

Mhmm.  And

Do you think it'll be a problem that the only thing on the cards is PGGM's? (I hear why it looks suspicious.)

So you were trying to buy tickets for other people or for yourself and another person?  And in each case the other person was so fickle, couldn't make up his mind, and so you had to keep canceling the tickets?  Such a pain and what a waste of your time.  Quite aggravating for you, I'm sure.  Did you end up just forgetting it all and just buying a ticket for yourself anywhere?... 

[David Smith]

Mhmm.  And
 So you were trying to buy tickets for other people or for yourself and another person?  And in each case the other person was so fickle, couldn't make up his mind, and so you had to keep canceling the tickets?  Such a pain and what a waste of your time.  Quite aggravating for you, I'm sure.  Did you end up just forgetting it all and just buying a ticket for yourself anywhere?...

I was just as confused as that person. Each time I coincidently used another card. And one time I only remembered to buy EC seats one way.  Of course, that was reason enough in of itself to cancel.

[Yehuda25]

I am constantly speaking to the fraud dept with every new CC for the first three months.

I know the feeling

[srap]

I know the feeling

Do you also insist on compensation points for the incompetent negligence on their part?

[Emkay]

Do you also insist on compensation points for the incompetent negligence on their part?

Poking the bear is a good way to get bitten

[LoLo]

Rex Larson was assigned for my dw's fr, if you dealt with him please pm me your experience. Tnx

[Yehuda25]

Do you also insist on compensation points for the incompetent negligence on their part?

They usually don't give points for fraud/fr inconveniences, otherwise I would be a millionaire 

[Hershelsdeals]

I scheduled a billpay 2 days ago from capital one to american express for the next day, the next day the payment didn't go through, so I made an online payment today, in the evening I realized that the first payment came through today, which means I double paid and I'll have a credit balance of $5,000, in the wiki its mentioned that this can be an FR risk.

American Express won't cancel the payment, they say they can't cancel the payment once its processing.

What are my options.

1. Let it go and request a refund check?

2. Call my bank to void the payment for a $30 charge.

Or is there any better ideas?

[youkay]

Don't void the payment, a "retuned payment" will cause you issues for your future payments. They will have to verify with your bank (which takes 5 days,) that there are available funds in your account. Until then the payment wont post.   

[Yehuda25]

I scheduled a billpay 2 days ago from capital one to american express for the next day, the next day the payment didn't go through, so I made an online payment today, in the evening I realized that the first payment came through today, which means I double paid and I'll have a credit balance of $5,000, in the wiki its mentioned that this can be an FR risk.

American Express won't cancel the payment, they say they can't cancel the payment once its processing.

What are my options.

1. Let it go and request a refund check?

2. Call my bank to void the payment for a $30 charge.

Or is there any better ideas?

dont void the payment, just request a check or transfer to a different card don't worry.

[Hershelsdeals]

Is there really no way to stop a payment?

[Baruch]

Is my bluebird account in anyway part of the F/R?
If I close all my cards but not my Blubird, is the F/R over?

[Yehuda25]

Is there really no way to stop a payment?

No, and that IMO is a much better chance of getting fr/d than a credit. A credit IMO is not really a trigger. Prepaying may be, but that is not a credit.

[D93]

Is my bluebird account in anyway part of the F/R?
If I close all my cards but not my Blubird, is the F/R over?

No. Yes.

[Yehuda25]

Is my bluebird account in anyway part of the F/R?
If I close all my cards but not my Blubird, is the F/R over?

Not connected in any way (bluebird and your cc accounts)

[Marko Rubio]

No, and that IMO is a much better chance of getting fr/d than a credit. A credit IMO is not really a trigger. Prepaying may be, but that is not a credit.

what do you mean with saying its not a credit?

[Yehuda25]

what do you mean with saying its not a credit?

prepaying can maybe be an issue because you are circumventing your spend limits, here you are not using the credit to "artificially increase" your limit.

[Marko Rubio]

prepaying can maybe be an issue because you are circumventing your spend limits, here you are not using the credit to "artificially increase" your limit.

from where should they know that he only paid 2 times by mistake?

[Yehuda25]

from where should they know that he only paid 2 times by mistake?

oh dear, this is not that complicated, ill spoon feed you.


Paying twice that leaves a credit is not considered pre-paying. For example, if one has a 10k limit, then prepays 2k then spends 4k then he did not increase his limit.


If he prepaid 2k, then spent 12k he increased his limit by prepaying.