Credit Cards

[bs6054]

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ficojoe wrote:

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bs6054 wrote:

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ficojoe wrote:

Is the $25k ceiling (FR risk increase) per card or combined for all AmEx in your name?

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It's not a real FR, just a request for you to send them a 4506T, so they can get a transcript of your tax returns.  If you refuse, your account stays open, you just don't get a CLI.  (In a real FR, your accounts are frozen before they notify you).

At least half of my income in tax-exempt, I'm not sure what AmEx would do if they looked at my tax returns. I correctly reported my income, which can be supported through bank statements, but my tax returns do not reflect my actual income.

My local credit union only gave me credit for about 1/3rd of my income after reviewing my taxes.

Anyhow, I want to avoid a FR.

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Well the first step is always tax returns, because they are considered more official I guess, but others report conference calls between Amex and your bank which could then be used to support your statement of income.

[OhioCPA]

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ficojoe wrote:

Is the $25k ceiling (FR risk increase) per card or combined for all AmEx in your name?

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Per card. I hear that for combined the ceiling is $34,500.

[CruzImperial]

I would like to hear someone confirming the combined ceiling. that's too little

[OhioCPA]

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CruzImperial wrote:
I would like to hear someone confirming the combined ceiling. that's too little

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That was a combined ceiling without docs. I am currently at $34,000, and would like to have one card increased, so I am very interested in clarification as well. What I heard was from an Amex CSR that stated when someone called in for a CLI above $34,500 they were instructed to ask for docs.