Amex F/R Master Thread

[Motty F]

I got a call from Amex that they want to check bussiness bank accounts, because I swiped on my bussiness gold card over $10,000.
Attached is the form I got from them to fill out.
can anybody help me out with this.

[noturbizniss]

I got a call from Amex that they want to check bussiness bank accounts, because I swiped on my bussiness gold card over $10,000.
Attached is the form I got from them to fill out.
can anybody help me out with this.

Sam's friend got the same letter http://forums.dansdeals.com/index.php?topic=8.msg493879#msg493879
First, verify that it is real. Call the number on the back of your card and see if they can verify that they sent it to you and all the info is accurate (fax, name etc). If they can then fill it out.

[Motty F]

Yes, I spoke to them they stoped all charging on my card.

[noturbizniss]

Yes, I spoke to them they stoped all charging on my card.

So fill it out and send it in. If you don't have a biz account then you might want to just close the card so they don't close it. That's what i did.

[EMES]

Just got 2 accounts closed from amex for not meeting the time frame for the f/r ...  ( I do have the info avail now) if i reapply will i automatically get denied ?
Should I wait ?

[Kn9ght]

I don't have a biz checking acc. If I use my personal checking acc as the payment source for my AMEX Biz Gold, will it raise a red flag?

[Shmulyg]

I don't have a biz checking acc. If I use my personal checking acc as the payment source for my AMEX Biz Gold, will it raise a red flag?

Never had a biz bank account and have been through many Amex biz cards.

[Moishebatchy]

Never had a biz bank account and have been through many Amex biz cards.

But have those cards ever been FRed?

[Shmulyg]

But have those cards ever been FRed?

No.
I don't recall anyone reporting such activity as an FR risk.

[Moishebatchy]

No.
I don't recall anyone reporting such activity as an FR risk.

Of course it's not a risk - after all, AFAIK Amex can't tell from just a bank account number whether it is business or personal. The question is, once someone is being FRed already, and they ask to see bank statements, will they hold it against him that it's a personal account?

[EMES]

Of course it's not a risk - after all, AFAIK Amex can't tell from just a bank account number whether it is business or personal. The question is, once someone is being FRed already, and they ask to see bank statements, will they hold it against him that it's a personal account?

i think the statement days are over , is 4506t only

[Shmulyg]

Of course it's not a risk - after all, AFAIK Amex can't tell from just a bank account number whether it is business or personal. The question is, once someone is being FRed already, and they ask to see bank statements, will they hold it against him that it's a personal account?

The question was "will it raise a red flag?," not will it impede your ability to pass an FR (FR = red flag already raised).
You are probably right though about Amex not being able to tell what type of account it is, i just couldn't write that with certitude.

[Kn9ght]

Of course it's not a risk - after all, AFAIK Amex can't tell from just a bank account number whether it is business or personal. The question is, once someone is being FRed already, and they ask to see bank statements, will they hold it against him that it's a personal account?

Well, when i linked my bank acc, they did ask if it is a biz acc or personal acc.

[meshugener]

i think the statement days are over , is 4506t only

You have no idea what you're talking about.

[Moishebatchy]

Well, when i linked my bank acc, they did ask if it is a biz acc or personal acc.

Just because they ask, that doesn't mean they can tell the difference. In fact, if they could, they wouldn't need to ask, would they?

[Shreknit]

Just because they ask, that doesn't mean they can tell the difference. In fact, if they could, they wouldn't need to ask, would they?

True but it's weird a red error showed up basically asking to confirm that it was indeed a personal checking account.

[MosheP]

Is making many small purchases of a personal nature greater risk for an FR. I.e. groceries, gas, pizza, bakery etc.?

[Moishebatchy]

Is making many small purchases of a personal nature greater risk for an FR. I.e. groceries, gas, pizza, bakery etc.?

No.

[churnbabychurn]

Is making many small purchases of a personal nature greater risk for an FR. I.e. groceries, gas, pizza, bakery etc.?

imho anything small is fine even ap etc

[m65]

imho anything small is fine even ap etc

how much is small?