Amex F/R Master Thread

[Belmar Boy]

Great that you are aware of why.
I kind of suspect it was a charge card doing this too. What we know is charge card doesn't have an official limit but always still have an internal secret limit so you can't go spend a million dollar (the hard limit).
Even if you paid full, if you look at the credit card side of FR, one trigger is recycling credit line. So once you combine the two (if you did recycle), it might trigger this.

More DP would be useful as a future reference for members. Things that might be useful is
Like what was the usage the month that trigger vs other months.
How many times you paid the balance that month.
How many % you spend compare to you highest credit limit of the AMEX non charge card and % compare to total credit limit of every AMEX card?

Might be worthwhile to know how extreme you push before the trigger.

The balance was the same as previous several months, I never pay off during the month and then spend more that month, just one payment per cycle.
My credit limit on my non-charge cards are paltry compared to the spend on the charge card.

[Yehuda25]

I got this email today:

We’re writing to inform you that American Express makes periodic assessments of our commercial clients’ financial resources to make sure we are managing your needs and our financial exposure appropriately. We request your assistance to ensure we make a thorough and accurate assessment of the spending capacity on your commercial card account.

In order to conduct our review, please provide us with your company's financial statements for the past two years, preferably audited, or reviewed by an external auditor and prepared by an accountant. These financial statements should include:

    Balance Sheets
    Income statements
    Cash Flow Statements
    Notes to Financial Statements
    Interim Financial Statements through the most recent quarter

If these financial statements are not available, you may submit company prepared financial statements AND Business Federal Tax Returns from the most recent two years.

This information is important because it will help us understand more about your business and spending needs. If we do not receive the requested information within 14 days from the date of this letter, we will give no further consideration to your application if you have requested an increase in spending capacity.

You can return these documents along with the cover sheet to us in any of the following ways:

    Upload your documents online at americanexpress.com/docupload
    Email us your documents as an attachment at commercialunderwriting@aexp.com
        When emailing documents, please ensure your files are not password protected
    Fax to us at 1-866-759-8980 (utilize the attached fax cover sheet)
    Mail to us at the address indicated on the cover sheet

To expedite the process and to give you a timely response, we recommend that you use the online upload tool to send us your documents. Once we receive all of the requested information, we will generally complete our review within 14 business days. Any information you provide will be treated as strictly confidential and will only be used to establish spending levels on your account.

* Please note that alimony, child support or separate maintenance income doesn't need to be revealed if you don't wish to have it considered as a basis for repaying this obligation.

This is a time sensitive matter that could impact your existing spending capacity. We look forward to hearing from you soon.

If you have any questions, please call us at 888-290-6418. We are available to assist you Monday - Friday 8:30 a.m. to 6:30 p.m. ET.

FR?

not uncommon, most get it at some point when doing any decent amount of spend.

[Boruch Parnes]

Just got voicemail from amex to call them back num is 1800 230 1289  with a 7 digit extension  thats a F/r?

[mmgfarb]

Just got voicemail from amex to call them back num is 1800 230 1289  with a 7 digit extension  thats a F/r?

Does it say that your cards are frozen when you log in?

[Boruch Parnes]

Does it say that your cards are frozen when you log in?

nope it didnt  but was a FR  gotta send in the docs   problem is my 2019 tax return is no where near my expected 2020 income

[mmgfarb]

nope it didnt  but was a FR  gotta send in the docs   problem is my 2019 tax return is no where near my expected 2020 income

I wouldn't worry about it, worse case you'll get CL slashed. Could be they're more strict now with Covid but I think you'll be fine.

[Boruch Parnes]

I wouldn't worry about it, worse case you'll get CL slashed. Could be they're more strict now with Covid but I think you'll be fine.

thamx  hope so too 

[Boruch Parnes]

I wouldn't worry about it, worse case you'll get CL slashed. Could be they're more strict now with Covid but I think you'll be fine.

you were right CL slashed but still open

[mmgfarb]

you were right CL slashed but still open

[CountValentine]

Seems 8 or 60 day suspensions are all the rage now.

[Yehuda25]

Seems 8 or 60 day suspensions are all the rage now.

For what?

[BP16]

you were right CL slashed but still open

You could probably apply again and get cards without CL now.

[troner100]

I opened a Hilton Aspire card a few months ago with a 150k sign up offer and never received the points, when i called Amex they said that "due to the history of misusing the sign up bonus terms the promotion has been removed from my account and the points will not post", They wouldn't give me an explanation to what exactly i did wrong.
Anyone with more details about this? Is there anything i can do?

[compddd]

Do they retroactively decide to remove bonuses from people now even when they don't get the popup? Wouldn't surprise me.

[troner100]

Do they retroactively decide to remove bonuses from people now even when they don't get the popup? Wouldn't surprise me.

I didn’t get the pop up but they still refuse to give me the bonus without giving a reason

[AmexNYC]

Hi all new user - AMEX member for 31 years - spent 1.5m on persoanl and same on business - was gearing up spending to get my centurion card - just got F/R - reason they said was more credits showing that payments for last month or so due to refunds for transactions from vendors not shipping due to covid - always on time with payments - issue is my income on return last year is a far cry from whats stated - plenty of money in bank and stock accounts - say $2m each - whats my plan of action? send 4506t showing low income maybe 100k after deductions or dont send and hope they will take bank statements etc? call just came in this morning (Merry Christmas huh?) Appreciate any advice - like my cards and dont want to lose my accounts Thanks again

[Triple Canopy]

Is there an issue/risk paying a personal Platinum with a business checking account?

[AsherO]

Hi all new user - AMEX member for 31 years - spent 1.5m on persoanl and same on business - was gearing up spending to get my centurion card - just got F/R - reason they said was more credits showing that payments for last month or so due to refunds for transactions from vendors not shipping due to covid - always on time with payments - issue is my income on return last year is a far cry from whats stated - plenty of money in bank and stock accounts - say $2m each - whats my plan of action? send 4506t showing low income maybe 100k after deductions or dont send and hope they will take bank statements etc? call just came in this morning (Merry Christmas huh?) Appreciate any advice - like my cards and dont want to lose my accounts Thanks again

@AmexNYC just saw this. Welcome to the forums!

What did you end up doing and what ended up happening to your accounts?

[Pesach]

if my younger brother applied for a delta amex gold and they are asking for a 4506-t does it suffice for him to send amex the tax that my dada filed listing him as a dependent? thank you in advance

[oldguy]

Just got another FR (get 1 almost every year..) they're requesting a 4506-c, Is that the same as a 4506-t?