Author Topic: Amex F/R Master Thread (Read 1874775 times)

SrulyP · « **Reply #7180 on:** August 15, 2016, 11:19:15 AM »

My wife just got FR'd

All consumer; both - charge and credit (no business cards)

she does have some income (about 10-15k on books)

She also has about a couple hundred dollars worth of points and it seems like have access to my account but it says that charging is suspended. Should I get rid of the points before calling to speak with them? or if I have access now then I still will after the call?

Also can I cancel the cards if the conversation does not go well and not have any problems with my credit report or can I only cancel before talking to them?

Lastly, how long do i have to call them back after their first phone call?

shulem92 · « **Reply #7181 on:** August 15, 2016, 11:26:44 AM »

Quote from: SrulyP on August 15, 2016, 11:19:15 AM

My wife just got FR'd

All consumer; both - charge and credit (no business cards)

she does have some income (about 10-15k on books)

On the books, meaning she has tax returns?if she does then u shud be good to go...

She also has about a couple hundred dollars worth of points and it seems like have access to my account but it says that charging is suspended. Should I get rid of the points before calling to speak with them?

Depends if your confident that your gonna pass...

or if I have access now then I still will after the call?

Yes

Also can I cancel the cards if the conversation does not go well and not have any problems with my credit report

Yes.

or can I only cancel before talking to them?

No

Lastly, how long do i have to call them back after their first phone call?

14 days

Did you give any information when u spoke to them the first time? Because that is the most crucial! If u lied about that, ur toast. They don't actually care about the income, more about the fact that ur apparently a credit risk

SrulyP · « **Reply #7182 on:** August 15, 2016, 11:58:58 AM »

Quote from: shulem92 on August 15, 2016, 11:26:44 AM

Thank you for the info, I have not spoken to them "for the first time" do you mean when I applied for the carD?

shulem92 · « **Reply #7183 on:** August 15, 2016, 12:31:23 PM »

Quote from: SrulyP on August 15, 2016, 11:58:58 AM

Thank you for the info, I have not spoken to them "for the first time" do you mean when I applied for the carD?

No. How do u know when that first call was? Most people mess up when they pick up that first call and start blabbering that they make this, but really they make that...

SrulyP · « **Reply #7184 on:** August 15, 2016, 01:09:31 PM »

Quote from: shulem92 on August 15, 2016, 12:31:23 PM

No. How do u know when that first call was? Most people mess up when they pick up that first call and start blabbering that they make this, but really they make that...

Luckily it was on shabbos so they left a message!

shulem92 · « **Reply #7185 on:** August 15, 2016, 01:29:41 PM »

Quote from: SrulyP on August 15, 2016, 01:09:31 PM

Luckily it was on shabbos so they left a message!

So before u call get ur story straight. Figure out exactly what ur gonna say. How much income u can back up

SrulyP · « **Reply #7186 on:** August 15, 2016, 01:55:22 PM »

Quote from: shulem92 on August 15, 2016, 01:29:41 PM

So before u call get ur story straight. Figure out exactly what ur gonna say. How much income u can back up

I am gonna say that I make X amount of income and the disparity between the income and what I wrote is because I though I could add household income (which is accurate on the application). Does that help at all?

mochjas · « **Reply #7187 on:** August 15, 2016, 01:58:14 PM »

Quote from: SrulyP on August 15, 2016, 01:55:22 PM

I am gonna say that I make X amount of income and the disparity between the income and what I wrote is because I though I could add household income (which is accurate on the application). Does that help at all?

no need to talk about a disparity they do not know what you wrote on your application

MasterAmex · « **Reply #7188 on:** August 15, 2016, 02:01:07 PM »

Quote from: SrulyP on August 15, 2016, 01:55:22 PM

I am gonna say that I make X amount of income and the disparity between the income and what I wrote is because I though I could add household income (which is accurate on the application). Does that help at all?

all they ask is current employment info such as Employer, your position, address, tell, income, and tax returns

shulem92 · « **Reply #7189 on:** August 15, 2016, 02:03:33 PM »

Quote from: SrulyP on August 15, 2016, 01:55:22 PM

I am gonna say that I make X amount of income and the disparity between the income and what I wrote is because I though I could add household income (which is accurate on the application). Does that help at all?

Only say amounts that u can prove. If u make over 10k they will ask for a tax return

Iz · « **Reply #7190 on:** August 17, 2016, 01:24:15 AM »

If you get FRd and you unilaterally close the accounts, there's nothing they can do to you, on your credit reports (or otherwise), correct? And if they call back after this was done, is it advisable to take the call or not?
Thanks. (PMs welcome)

YOSSI170 · « **Reply #7191 on:** August 17, 2016, 10:13:21 AM »

I got FR'd in April, actually it was resolved in April, they lowered my charge cards, question here is how long do I have to wait to apply for new cards? Anyone with personal experience that got approved after 4 months?

David Smith · « **Reply #7192 on:** August 17, 2016, 10:14:37 AM »

Quote from: YOSSI170 on August 17, 2016, 10:13:21 AM

I got FR'd in April, actually it was resolved in April, they lowered my charge cards, question here is how long do I have to wait to apply for new cards? Anyone with personal experience that got approved after 4 months?

People get approved 4 weeks, 4 days, and 4 hours after FRs. 4 months is plenty.

Iz · « **Reply #7193 on:** August 17, 2016, 10:34:25 AM »

Quote from: David Smith on August 17, 2016, 10:14:37 AM

People get approved 4 weeks, 4 days, and 4 hours after FRs. 4 months is plenty.

+1 immediately after. Apparently they are completely separate departments.

yakrot · « **Reply #7194 on:** August 17, 2016, 10:52:42 AM »

Quote from: YOSSI170 on August 17, 2016, 10:13:21 AM

I got FR'd in April, actually it was resolved in April, they lowered my charge cards, question here is how long do I have to wait to apply for new cards? Anyone with personal experience that got approved after 4 months?

You passed an f/r? If ya then you are good to go right away

Iz · « **Reply #7195 on:** August 17, 2016, 10:57:18 AM »

Quote from: Iz on August 17, 2016, 01:24:15 AM

If you get FRd and you unilaterally close the accounts, there's nothing they can do to you, on your credit reports (or otherwise), correct? And if they call back after this was done, is it advisable to take the call or not?
Thanks. (PMs welcome)

BUMP

emjee · « **Reply #7196 on:** August 17, 2016, 11:13:44 AM »

Quote from: Iz on August 17, 2016, 10:57:18 AM

BUMP

No experience but definitely wouldn't seem like they'd do anything or really have anything to report .
Many people close down their cards in middle of FR .
Why not call back ? - you simply closed the cards bc it wasn't worth dealing with the FR

. (You most likely will get fr instantly again the next time you apply)

Iz · « **Reply #7197 on:** August 17, 2016, 11:16:20 AM »

Quote from: emjee on August 17, 2016, 11:13:44 AM

No experience but definitely wouldn't seem like they'd do anything or really have anything to report .
Many people close down their cards in middle of FR .
Why not call back ? - you simply closed the cards bc it wasn't worth dealing with the FR . (You most likely will get fr instantly again the next time you apply)

Thanks.

Iz · « **Reply #7198 on:** August 17, 2016, 11:28:53 AM »

Quote from: Iz on August 17, 2016, 10:34:25 AM

+1 immediately after. Apparently they are completely separate departments.

As crazy as it sounds, do we even know that you won't be approved during a FR? Any DP on this, or nobody ever tried?

David Smith · « **Reply #7199 on:** August 17, 2016, 11:29:47 AM »

Quote from: Iz on August 17, 2016, 11:28:53 AM

As crazy as it sounds, do we even know that you won't be approved during a FR? Any DP on this, or nobody ever tried?

People have been

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Author Topic: Amex F/R Master Thread (Read 1874775 times)