06-15-2008 07:47 AM
06-15-2008 08:47 AM
06-15-2008 09:46 AM
davidboca wrote:OP: Hopefully this will all pass when Amex receives and approves the requested information. Afterwards, you will look forward to many years of satisfying Amex membership.Don't fret!
06-15-2008 02:11 PM - edited 06-15-2008 02:12 PM
06-15-2008 04:40 PM
msheresy wrote : "So I just got my card in the mail on thursday and I have spent right @ $100. I try today to view my account and I see that it says it is suspended. I call and am notified that I am having a review done to verify income...blah blah blah. Heres the thing, I put that I made $32000 but I actually only make right @ $30000. Is this going to affect things? Will 2000 actually cause them to cancel my account? I'm really worried now because I was sooooo freaking happy that I got this card!"
Curious msheresy, what is the CL of the card they issued you? And the $100 balance...was that including their annual fee? Just think if you tried to buy something and you were declined, etc. .
Some posters are failing to realize this and think it's all about just complying with Amex and being on the up and up on your income, it's a simple process, etc....but that's not the issue. Purchases, monthly automatic debits, etc, those things could have the constant possibility of rejection...resulting in late fees, embarrassment. . . .
I'd like to see the posters that have no problems with the Amex FR's after their card is declined due to an FR while shopping during the holidays. Wonder how much of a simple painless process it will be for them then?
I believe the FR process can be done every 6 months if they so chose.
Message Edited by Jubeyy on 06-15-2008 02:12 PM
06-15-2008 06:18 PM
The limit was 1000. I spent 20 bux that night and the next day I set up t-mobile bill pay on the amex site. I paid my cell bill. I didn't try to use it anymore, thankfully. I only saw that it was suspended because I wanted to try and go ahead and pay it off. The annual fee was waived for the first year so the balance was strictly my purchases.
06-15-2008 06:25 PM
06-15-2008 06:27 PM
06-15-2008 06:32 PM - edited 06-15-2008 06:33 PM
06-15-2008 06:37 PM
When you get an AMEX card be careful with it and don't try to game them right off the bat, they are more sophisticated than the people on this board.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.