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Amex FR dodged...;phew....

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Established Contributor

Amex FR dodged...;phew....

Was shopping in another town I never go to and a fraud alert occured at on my Amex card. got a popup notice on my smartphone.

 

Got a very polite rep on the line, she asked to update some information in my account, then came narrowly close to initiating an FR, but then decided against it. I was literally panicking in my parked car. haha.

 

I don't know why, but I'm still a little shaken up by it.

 

phew.....


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
20 REPLIES
Frequent Contributor

Re: Amex FR dodged...;phew....

I dont see the fear in these, unless there were lies on the application. but i could be wrong?????? I suppose the fear could be lowering CL?


9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Frequent Contributor

Re: Amex FR dodged...;phew....

I dont have an AMEX revolver though, so CONGRATS on dodging that, I wouldnt want to lose one if I had one!

 


9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Established Contributor

Re: Amex FR dodged...;phew....

I guess I would pass an FR actually. My tax history would support my applications. I suppose my fear and anxiety is irrational, but doesn't stop me from being worried.


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
Frequent Contributor

Re: Amex FR dodged...;phew....

I hear ya...i believe they freeze your account while its being reviewed and that would be really annoying. well, take a deep breath and go swipe your AMEX ha


9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Established Contributor

Re: Amex FR dodged...;phew....

the most chilling thing that I learned is that know exactly each item in a purchase you bought when you go shopping, not just the summary totals.


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
Frequent Contributor

Re: Amex FR dodged...;phew....

big brother lol


9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Super Contributor

Re: Amex FR dodged...;phew....

Glad you came away ok with no FR

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Frequent Contributor

Re: Amex FR dodged...;phew....

congrats but how does a fraud alert turn into a FR? just curious.. as for the line item detail it depens on the merchants system its known as level 3 processing, not every system supports it, its typically used for business that issue employees  pcards and in govt agencies. the customer's company uses it for spend analysis

 

Amx BCE-15k,Amx Zync-NSPL
Barclay's Mastercard-10.5k
Credit Union Visa-1k
Discover-19k, Khols-2k
New Contributor

Re: Amex FR dodged...;phew....


NJTurnpike wrote:

the most chilling thing that I learned is that know exactly each item in a purchase you bought when you go shopping, not just the summary totals.


Chilling, indeed. Times have changed.


TU 759, EX 744, EQ 779
Current Focus: Gardening indefinitely
Goals: 800 Club, pay off auto loan in 2 years