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New Member
Posts: 1
Registered: ‎04-19-2013
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Re: Amex FR dodged...;phew....

@NJTurnpike -- Do you have a CL > $25,000 on that card?

Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Amex FR dodged...;phew....


NJTurnpike wrote:

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.....


I said it before and i'll say it again............

 

I pay my bill on time in full every month. If AMEX is not happy with that, they can have their card back. Never will I give my tax info. for a CC.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Super Contributor
Posts: 5,301
Registered: ‎12-11-2011
0

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


LS2982 wrote:

NJTurnpike wrote:

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.....


I said it before and i'll say it again............

 

I pay my bill on time in full every month. If AMEX is not happy with that, they can have their card back. Never will I give my tax info. for a CC.


I don't think you're their target for an FR. 

 

if you notice, most people who get FR'd (and complain about it on the forum) have their accounts closed, and probably because they lied about something on their app. 

;
Valued Contributor
Posts: 2,375
Registered: ‎03-15-2012
0

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

Auto billing hit the card, close to the time it was manually used????

Established Contributor
Posts: 662
Registered: ‎02-20-2013
0

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


jsucool76 wrote:

LS2982 wrote:

NJTurnpike wrote:

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.....


I said it before and i'll say it again............

 

I pay my bill on time in full every month. If AMEX is not happy with that, they can have their card back. Never will I give my tax info. for a CC.


I don't think you're their target for an FR. 

 

if you notice, most people who get FR'd (and complain about it on the forum) have their accounts closed, and probably because they lied about something on their app. 


Nothing was lied on my app. I was buying some stuff at a costco for over $1k over 50 miles from my home address. I never have shopped there before. so i guess that flagged my account. I called, they asked for some updated info, then gave me a spiel about spending patterns and thanked me for being patient. the csr was extremely polite and respectful and said she will not be needing additional documentation for my business platinum.


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
Super Contributor
Posts: 5,301
Registered: ‎12-11-2011
0

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


NJTurnpike wrote:

jsucool76 wrote:

LS2982 wrote:

NJTurnpike wrote:

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.....


I said it before and i'll say it again............

 

I pay my bill on time in full every month. If AMEX is not happy with that, they can have their card back. Never will I give my tax info. for a CC.


I don't think you're their target for an FR. 

 

if you notice, most people who get FR'd (and complain about it on the forum) have their accounts closed, and probably because they lied about something on their app. 


Nothing was lied on my app. I was buying some stuff at a costco for over $1k over 50 miles from my home address. I never have shopped there before. so i guess that flagged my account. I called, they asked for some updated info, then gave me a spiel about spending patterns and thanked me for being patient. the csr was extremely polite and respectful and said she will not be needing additional documentation for my business platinum.


Not implying you lied either :smileytongue: 

 

most of the regulars here are smart enough to not lie on an app.  lol

 

its the people who post about an FR as their first post or something, and their account gets closed because they said their income was 37 million dollars and they're really unemployed and they can't figure out why amex closed their account. 

;
Regular Contributor
Posts: 150
Registered: ‎11-05-2011
0

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

Amex can see what you purchased and everything because they are the network.  For example Chase runs on either visa or mc but the network is seperate from the bank.

Regular Contributor
Posts: 201
Registered: ‎02-27-2013
0

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


jsucool76 wrote:


their income was 37 million dollars

 

 

When will be my time to get paid like that  ?    

Frequent Contributor
Posts: 373
Registered: ‎03-16-2011
0

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


lanc wrote:

Amex can see what you purchased and everything because they are the network.  For example Chase runs on either visa or mc but the network is seperate from the bank.


no they do not see everything because they are the network, the software package that the merchant is running has to support sending the line level detail, not all software does and its not required by amex to process their cards, if a merchant does however send line level detail they will be charged a lower processing rate


Amx BCE-12000,Amx Zync-NSPL
Barclay's Mastercard-5600
Credit Union Visa-1200
Discover-4900, Khols-1000
Frequent Contributor
Posts: 374
Registered: ‎02-10-2013
0

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


NJTurnpike wrote:

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.....


You dodged the AMEX bullet :smileyvery-happy:

As of 1/10/2014 EX FICO - 748. EQ FICO - 728. Trans FICO - 755

WellsFargo - $3,000 AMEX BCE - $18,000 Chase Freedom - $4,000



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