Reply
New Member
td762
Posts: 1
Registered: ‎04-19-2013
0

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

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

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
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.....


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
Senior Contributor
jsucool76
Posts: 3,590
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
Burned2manybridgesB4
Posts: 2,158
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
NJTurnpike
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
Senior Contributor
jsucool76
Posts: 3,590
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
lanc
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
culture
Posts: 200
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
phillyguy12
Posts: 343
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-9000,Amx Zync-NSPL
Barclay's Mastercard-5600
Credit Union Visa-1200
Discover-1900, Khols-1000
Frequent Contributor
GaTech
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




myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}