Amex F/R Master Thread

[AJK]

The only way they will take only bank statements is if you convince them to take only bank statements.

You can't just send in bank statements when they ask for 4506 and hope that will quell the uprising...

And AFAIK, the only benefit to preemptively closing your accounts before AmEx does is so that your CR is not littered with "Closed by Issuer" notations (thought to disincline future creditors from extending credit).

[18seagate]

in beginging i convinced them that i could just give in my bank statements but than a couple of days later they said they cant contiue the f/r without some type of proof of income?

[18seagate]

And AFAIK, the only benefit to preemptively closing your accounts before AmEx does is so that your CR is not littered with "Closed by Issuer" notations (thought to disincline future creditors from extending credit).
[/quote]
so if i cancel myself it could still hold me back from getting a card from them in the future?

[AJK]

so if i cancel myself it could still hold me back from getting a card from them in the future?

Absolutely.

Simply cancelling without providing them documentation they're seeking will almost surely result in them F/Ring any future application you may make. So pay now or pay later it seems.

[AsherO]

Simply cancelling without providing them documentation they're seeking will almost surely result in them F/Ring any future application you may make. So pay now or pay later it seems.

That's not too bad, if (that's a big if...) he doesn't plan on applying for a year, he can file taxes next year and fill our a 4506 if/when necessary.

[HelpMe]

so if i cancel myself it could still hold me back from getting a card from them in the future?

It also gives you the opportunity when you apply next time to make sure everything you put on your application you are able to document.

[AJK]

That's not too bad, if (that's a big if...) he doesn't plan on applying for a year, he can file taxes next year and fill our a 4506 if/when necessary.

Exactly. I'm only pointing out that he won't be able to avoid this process by proactively cancelling his cards, instead of having them cancelled.

[18seagate]

so im better off canceling my cards myself basically & doesnt mean i will get away with it next time

[creditor]

just saw a soft pull on my CR from 'amex account review‘ I always see soft pull from amex,amex serviced by cic' etc. but I never came across amex account review.
does that have to turn on a red light ?
anyone here suffering an f/r saw the same?

[AsherO]

just saw a soft pull on my CR from 'amex account review‘ I always see soft pull from amex,amex serviced by cic' etc. but I never came across amex account review.
does that have to turn on a red light ?
anyone here suffering an f/r saw the same?

Where are you getting a report that shows your soft pulls?

[aryeh1]

just saw a soft pull on my CR from 'amex account review‘ I always see soft pull from amex,amex serviced by cic' etc. but I never came across amex account review.
does that have to turn on a red light ?
anyone here suffering an f/r saw the same?

no I always see that

[creditor]

no I always see that

in my case it shows up the exact same date I was hard pulled by a Chase app.
is that the case by you ?

[creditor]

Where are you getting a report that shows your soft pulls?

I'm inrolled in credit secure from amex

[presidentialplus]

I just did a 4b app with amex, I called and got all of them approved, the starwood card I was told I will get in 24-72 hours, the two delta cards I was told that I will receive in 10 to 13 days, since it will be "manualy reviewed by a team to set a proper apr".
 Does this mean anything? and should I pull all my points out af amex?

[AJK]

I just did a 4b app with amex, I called and got all of them approved, the starwood card I was told I will get in 24-72 hours, the two delta cards I was told that I will receive in 10 to 13 days, since it will be "manualy reviewed by a team to set a proper apr".
 Does this mean anything? and should I pull all my points out af amex?

Officially, not necessary.

[presidentialplus]

Officially, not necessary.

please explain
 but does this indicate a F/R?

[AJK]

please explain
 but does this indicate a F/R?

I don't know if you'll be F/R'd or not, but if I had to guess based on the "manualy reviewed by a team to set a proper apr" I'd say no. But, then again, you did sign up for 4 AmEx cards in one shot. I'd have advised against so many personally.

In any case, what meant by the above post is that even if you are F/R'd, you're still officially given 30 days to transfer/use your remaining MR.

[Jkhein]

Just applied for a friend. Got a message that i must call to discuss application, or they will contact me after 2-3 days. Right away checked app status online and saw was approved.
The message to call them was something I never encountered by an application, either approved or notified by 7-10 days. Anything to worry about or once its approved, just to ignore message?

[Drago]

Just applied for a friend. Got a message that i must call to discuss application, or they will contact me after 2-3 days. Right away checked app status online and saw was approved.
The message to call them was something I never encountered by an application, either approved or notified by 7-10 days. Anything to worry about or once its approved, just to ignore message?

I don't think you have anything to worry about. Since its anyhow approved, I can't see why you would need to call up. Wait to see if they call you again.

[SPLP]

I don't think you have anything to worry about. Since its anyhow approved, I can't see why you would need to call up. Wait to see if they call you again.

they did that to me on a biz card , wanted to cfm phone address etc -- i never called-- called recon was apprvd , recon told me why they called