Amex F/R Master Thread

[CS91]

but same address, right?

Yup.

[Yehuda25]

Yup.

so that explains that, but definitely refutes the notion that they don't pick up on anything. Though IME even people at the same address don't report if no ss# was given.

[Hellokitty64]

One of my Friends was an AU on my prg for a bit and I had some ms go to statement once and didnt really mess up my % utilization but trashed his. Dif addresses and no ss given if I remember correctly.

[ChaimMoskowitz]

This has been mentioned several times. With no SS# or no SS#/address it still can report to your CR.

[Mendylab]

Just got approved for Amex business platinum and gold cards, and have to spend $30k.

Does amex look at the overall spending of all the cards in my account, our each card individually when it comes to fr's?

Thanks

[Emkay]

Just got approved for Amex business platinum and gold cards, and have to spend $30k.

Does amex look at the overall spending of all the cards in my account, our each card individually when it comes to fr's?

Thanks

Honestly no-one here knows the algorithm, and those that do are the ones who are gonna FR you

[Yehuda25]

This has been mentioned several times. With no SS# or no SS#/address it still can report to your CR.

is it automatic? Or ymmv? and does not giving them a birthday help?

[ChaimMoskowitz]

is it automatic? Or ymmv? and does not giving them a birthday help?

YMMV. Each piece of information is given a weight. If a certain confidence level is met that they have a match it will appear on your report. Just like your FICO score they will never let you know how this works. IMHO not having SS#/DOB/address there will not be a match.

[Yehuda25]

YMMV. Each piece of information is given a weight. If a certain confidence level is met that they have a match it will appear on your report. Just like your FICO score they will never let you know how this works. IMHO not having SS#/DOB/address there will not be a match.

good info, thanks!

[Yitzshpitz]

Is it smart to try to spend 15k in 3 months (150k offer) for my first Amex buz card? Will I get red flagged and need to provide financial documents?

[yakrot]

Is it smart to try to spend 15k in 3 months (150k offer) for my first Amex buz card? Will I get red flagged and need to provide financial documents?

Where do you get the number 15k from?
Please read the last five pages of this thread and if you still have questions I'll be happy to try and answer them for you

[Yitzshpitz]

Where do you get the number 15k from?
Please read the last five pages of this thread and if you still have questions I'll be happy to try and answer them for you

15k was the required spending for the offer. I have heard and read that Amex is quick to shut down accounts (or make you fill out forms I may not have) for new buz card members with high spending.

[yakrot]

15k was the required spending for the offer. I have heard and read that Amex is quick to shut down accounts (or make you fill out forms I may not have) for new buz card members with high spending.

I don't know what card you got so I guess I can't know what your required send is. I just assumed it was the same 150k biz platinum offer with a twenty k spend

[Yitzshpitz]

I don't know what card you got so I guess I can't know what your required send is. I just assumed it was the same 150k biz platinum offer with a twenty k spend

But do you think 15k in 3 months is spending too quick?

[yakrot]

http://forums.dansdeals.com/index.php?topic=50698.0

You can browse through this thread as well, large amounts of Ms on a new card was also discussed there

[yakrot]

But do you think 15k in 3 months is spending too quick?

There is no one answer, it depends on if you have any spending history with Amex and even then there are no concrete rules. Try to avoid known triggers mentioned in the wiki, and pray . if you spread the spend out and are careful you should be able to pull it off, although nothing is guaranteed.  Good luck.

[Yitzshpitz]

There is no one answer, it depends on if you have any spending history with Amex and even then there are no concrete rules. Try to avoid known triggers mentioned in the wiki, and pray . if you spread the spend out and are careful you should be able to pull it off, although nothing is guaranteed.  Good luck.

Thanks I will hope for the best

[lunatic]

I don't know what card you got so I guess I can't know what your required send is. I just assumed it was the same 150k biz platinum offer with a twenty k spend

Ftr,  there are 15k offers too

[yakrot]

Ftr,  there are 15k offers too

Realized my mistake after and apologized.

[yoshapman]

Wife got F/R after spending too much in one day on new Amex Business Gold. She also has a Business Delta and SPG Consumer. We have sufficient income on tax return but nothing about sole proprietor business. We signed up saying we buy and sell on Amazon and Ebay which we sometimes do but in small amounts. She has to fax in tax return which is joint. First time going through this. What does she do now. Business Gold and Delta Business are pretty new. SPG Consumer is almost 2 yrs old.