Amex F/R Master Thread

[mmgfarb]

Ftfy

That's what I meant

[dirah]

Also this f/t thread claims you can transfer points out of an fr/d account for 90 days over the phone only.

http://www.flyertalk.com/forum/american-express-membership-rewards/1305987-amex-financial-review-unique-situation.html

Any data on this?
The T&C's seem to indicate otherwise.

If we cancel your Linked Card Account for any of the following reasons, you’ll forfeit all points in your program account except as noted:

• If we cancel your Linked Card Account due to inactivity, you have 90 days to use points in your program account before they are forfeited.
• If we cancel your Linked Card Account in the event of your death, your executor or personal representative may request to use the points in your program account in a one-time redemption by calling us.
• If we cancel your Linked Card Account by accident, points in your program account will not be forfeited.

If we cancel your Linked Card Account for any other reason (including bankruptcy or insolvency), you’ll forfeit all points in your program account. If we reinstate the Linked Card Account within one year, these forfeited points will be returned to your program account.

[Bazooty]

i got FRed and my cards cancelled by amex, if i become a AU on someone elses amex account will that trigger their account to get FRed also?

[shulem92]

i got FRed and my cards cancelled by amex, if i become a AU on someone elses amex account will that trigger their account to get FRed also?

Possibly, but why don't u just make an AU and try not to link yourself. For example, use a different address, make up a date of birth, and tell them you will give them the SSN a different time

[wakimike]

On this topic I want to open amex business credit cards ( planning on spending a lot ) I'm worried about getting a Financial review. I live with my parents and I'm 19 and don't have an income.  In the event of an FR would amex accept my fathers tax returns to keep my cards open?

[mmgfarb]

On this topic I want to open amex business credit cards ( planning on spending a lot ) I'm worried about getting a Financial review. I live with my parents and I'm 19 and don't have an income.  In the event of an FR would amex accept my fathers tax returns to keep my cards open?

No

[wakimike]

Doesn't it work with household income ?

[David Smith]

Doesn't it work with household income ?

No

[mmgfarb]

I'm flattered

[shulem92]

Doesn't it work with household income ?

No. But people have survived with just bank statements. YMMV. Household income only counts on your application, not for FR

[mmgfarb]

No. But people have survived with just bank statements. YMMV.

+.5 I survived one with bank account statements and paystubs, my credit got slashed but nothing was closed.

Household income only counts on your application, not for FR

You can only count household income on the app if you're over 21.

[wakimike]

Thank you 

[yoshi]

Hey all,
I got f/r'd about 15 month ago. I'm wondering if I should give it a go now opening an amex card. From what i understand you should expect to wait 18-24 months to get accepted without any issues, although there have been reports of even waiting only a year. My question is if i were to retry now would I reset the clock on waiting so I would have to wait another 18-24 months if they still ask for returns?

[yochiek93]

Hey all,
I got f/r'd about 15 month ago. I'm wondering if I should give it a go now opening an amex card. From what i understand you should expect to wait 18-24 months to get accepted without any issues, although there have been reports of even waiting only a year. My question is if i were to retry now would I reset the clock on waiting so I would have to wait another 18-24 months if they still ask for returns?

18-24 months? Why wait so long? There are reports of 6 maybe less.

[yoshi]

18-24 months? Why wait so long? There are reports of 6 maybe less.

If it doesn't work, will it reset the clock?

[LoLo]

There's no clock.

[dealtastic]

Hey all,
I got f/r'd about 15 month ago. I'm wondering if I should give it a go now opening an amex card. From what i understand you should expect to wait 18-24 months to get accepted without any issues, although there have been reports of even waiting only a year. My question is if i were to retry now would I reset the clock on waiting so I would have to wait another 18-24 months if they still ask for returns?

If you got a FR, but didn't complete it, then your account is still flagged. I haven't seen any datapoints of out-waiting a FR, but would guess it would be 7+ years.
If you were cleared, then there is no reason to wait.
It's best to be honest and cooperate.

[emjee]

Hey all,
I got f/r'd about 15 month ago.
.........

It all depends on what your full story was. Did you fail
 Did you get shut down . Did u shut it down . Etc. ... tell more

[Iz]

I got notices in the mail that Amex needs SSNs for several cards, so I called, and my call went to the FR dept. I asked if I am under FR, and she said yes, but I have full access to my cards online. What's going on here?
Also, is it better to call back and provide the SSNs, or to ignore it? (I didn't have them when I called...)
Thanks.

[mochjas]

I got notices in the mail that Amex needs SSNs for several cards, so I called, and my call went to the FR dept. I asked if I am under FR, and she said yes, but I have full access to my cards online. What's going on here?
Also, is it better to call back and provide the SSNs, or to ignore it? (I didn't have them when I called...)
Thanks.

i ignore them