Author Topic: Amex F/R Master Thread (Read 1869459 times)

eli.f · « **Reply #3560 on:** January 19, 2015, 01:13:43 PM »

Quote from: Boruch999 on January 19, 2015, 01:07:27 PM

Thinking about trying a 3x CLI. I have a ED with 10k, a Blue MR with 8k and Delta Gold with 8k.

I live in Israel, so I don't really have much use for a bigger CL on any of these cards.

Reasons to/not to?

Having more than 25K on 1 card or 75K in general with AMEX is a trigger for F/R. (Google it. On myfico.com you can see many people asking for CLI's to $24,500)
Also, I don't know what income you reported to AMEX, but it shouldn't be to high in relation to that.(Maybe someone could give some references as to the recommended income/CL ratio?)
Too high CL's could also cause and A/A with Chase, even if your high CL's are NOT from Chase.

With 26K available credit, I don't see anything you have to gain by this.

ChaimMoskowitz · « **Reply #3561 on:** January 19, 2015, 01:15:27 PM »

Quote from: username on January 19, 2015, 01:01:16 PM

Now can i resume this activity? (I remember somewhere seeing that passing a F/R is a good thing, but maybe i'm thinking about a Chase AA?)

Put the pedal to the metal.

eAge · « **Reply #3562 on:** January 19, 2015, 01:21:57 PM »

Quote from: ChaimMoskowitz on January 19, 2015, 01:15:27 PM

Put the pedal to the metal.

And if you crash, you'll survive like you survived the first time... (Assuming there's no big income changes)

Yehuda25 · « **Reply #3563 on:** January 19, 2015, 04:41:13 PM »

Quote from: eli.f on January 19, 2015, 01:13:43 PM

Having more than 25K on 1 card or 75K in general with AMEX is a trigger for F/R. (Google it. On myfico.com you can see many people asking for CLI's to $24,500)
Also, I don't know what income you reported to AMEX, but it shouldn't be to high in relation to that.(Maybe someone could give some references as to the recommended income/CL ratio?)
Too high CL's could also cause and A/A with Chase, even if your high CL's are NOT from Chase.

With 26K available credit, I don't see anything you have to gain by this.

+1 No reason to.

username · « **Reply #3564 on:** January 19, 2015, 05:07:43 PM »

Quote from: ChaimMoskowitz on January 19, 2015, 01:15:27 PM

Put the pedal to the metal.

Quote from: eAge on January 19, 2015, 01:21:57 PM

And if you crash, you'll survive like you survived the first time... (Assuming there's no big income changes)

Can they bounce me for too many Target purchases?

Malachi · « **Reply #3565 on:** February 03, 2015, 08:43:12 AM »

Just tried to load redbird was declined for fraud. Called in and took away the fraud problem, but now still showing the fraud alert and charges are being declined. Any experience with such a thing? Is it F/R? I don't have the dreaded your charging privileges are suspended , just a fraud alert.

Joe4007 · « **Reply #3566 on:** February 03, 2015, 08:53:24 AM »

Quote from: Malachi on February 03, 2015, 08:43:12 AM

Just tried to load redbird was declined for fraud. Called in and took away the fraud problem, but now still showing the fraud alert and charges are being declined. Any experience with such a thing? Is it F/R? I don't have the dreaded your charging privileges are suspended , just a fraud alert.

At Target or elsewhere?

dealfinder85 · « **Reply #3567 on:** February 03, 2015, 08:53:56 AM »

Quote from: Joe4007 on February 03, 2015, 08:53:24 AM

At Target or elsewhere?

where else can you load redbird?

Joe4007 · « **Reply #3568 on:** February 03, 2015, 08:55:05 AM »

Quote from: dealfinder85 on February 03, 2015, 08:53:56 AM

where else can you load redbird?

I'm asking if his card is being declined for general charges or only for loading RC.

Yehuda25 · « **Reply #3569 on:** February 03, 2015, 10:23:56 AM »

Quote from: Malachi on February 03, 2015, 08:43:12 AM

Just tried to load redbird was declined for fraud. Called in and took away the fraud problem, but now still showing the fraud alert and charges are being declined. Any experience with such a thing? Is it F/R? I don't have the dreaded your charging privileges are suspended , just a fraud alert.

a new card right? PUTPAC, you might have to do it twice. Some reps dont realize that its not a regular fraud alert.

etech0 · « **Reply #3570 on:** February 03, 2015, 10:39:50 AM »

Quote from: Malachi on February 03, 2015, 08:43:12 AM

Just tried to load redbird was declined for fraud. Called in and took away the fraud problem, but now still showing the fraud alert and charges are being declined. Any experience with such a thing? Is it F/R? I don't have the dreaded your charging privileges are suspended , just a fraud alert.

Which bank?

Yehuda25 · « **Reply #3571 on:** February 03, 2015, 11:34:14 AM »

Quote from: etech0 on February 03, 2015, 10:39:50 AM

Which bank?

amex?

Joe4007 · « **Reply #3572 on:** February 03, 2015, 11:39:47 AM »

Quote from: Yehuda25 on February 03, 2015, 10:23:56 AM

a new card right? PUTPAC, you might have to do it twice. Some reps dont realize that its not a regular fraud alert.

I had to call in a couple of times without using a new card.

Yehuda25 · « **Reply #3573 on:** February 03, 2015, 11:40:55 AM »

Quote from: Joe4007 on February 03, 2015, 11:39:47 AM

I had to call in a couple of times without using a new card.

I'm not saying its not possible, its just very likely with a new card.

Malachi · « **Reply #3574 on:** February 03, 2015, 11:50:47 AM »

Quote from: etech0 on February 03, 2015, 10:39:50 AM

Which bank?

was an Amex. Was working elsewhere but after being declined at target now it's not being approved anywhere else. Why would it help to call twice? I didn't understand. Thanks for all the responses.

Joe4007 · « **Reply #3575 on:** February 03, 2015, 11:54:47 AM »

Quote from: Malachi on February 03, 2015, 11:50:47 AM

was an Amex. Was working elsewhere but after being declined at target now it's not being approved anywhere else. Why would it help to call twice? I didn't understand. Thanks for all the responses.

In my case, it seemed like the first rep I spoke to didn't remove the alert correctly or something like that.

noturbizniss · « **Reply #3576 on:** February 03, 2015, 11:57:54 AM »

Quote from: Malachi on February 03, 2015, 11:50:47 AM

was an Amex. Was working elsewhere but after being declined at target now it's not being approved anywhere else. Why would it help to call twice? I didn't understand. Thanks for all the responses.

Well if it is still not working after the first call, then your only choice is a second call. When you log in to your amex account online is there a message saying your accounts are suspended or something like that? If there is not then it is just fraud, not FR>

Malachi · « **Reply #3577 on:** February 03, 2015, 12:32:25 PM »

Quote from: noturbizniss on February 03, 2015, 11:57:54 AM

Well if it is still not working after the first call, then your only choice is a second call. When you log in to your amex account online is there a message saying your accounts are suspended or something like that? If there is not then it is just fraud, not FR>

I hear. Seems like fraud, will call again.

Yehuda25 · « **Reply #3578 on:** February 04, 2015, 06:42:50 AM »

Quote from: Joe4007 on February 03, 2015, 11:54:47 AM

In my case, it seemed like the first rep I spoke to didn't remove the alert correctly or something like that.

+1 exactly DROPR

ChaimMoskowitz · « **Reply #3579 on:** February 04, 2015, 06:48:34 AM »

Quote from: username on January 19, 2015, 05:07:43 PM

Can they bounce me for too many Target purchases?

They can do anything they want but I don't see this happening.

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Author Topic: Amex F/R Master Thread (Read 1869459 times)