Crashem wrote:You got F/R last time and you closed your account. When you activated your account again, F/R flag is still on. Obviously, approval process doesn't check for F/R flags which makes sense.
I honestly can't follow your logic on this one ;(. Need food apparently, but would you mind explaining to me why you consider that to make sense? A flag in a consumer's database record is a pretty easy thing to check for from a technical perspective.
Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)Current Score: EQ 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)
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Repo-ed wrote:The logic I am having a hard time following is, why would somebody app for a card w/ a company that closed 2 recent accounts, so that tax records could be reviewed - and then not comply with their request. My logic says they are not going to forget that, just because a little bit of time went by,
Agreed. Not being willing to provide income verification just screams of fraud, whether or not you had fraudulent intentions.
Why are you not willing to fax in a couple pieces of paper? People go way overboard on these boards about several things. AMEX FR is one of those things. I don't think it's a big deal. If you wanted a loan from a bank, you'd have to provide proof of income. Why is AMEX not allowed to ask the same?
Starting Score: EQ: 665 - TU: 687Technically easy, but that isnt the issue. If consumer voluntarily closed account, why would they auto reject their new app? That's throwing away a perfectly good customer. Amex can't really guess why you left and want to come back. Maybe you swore off the consumer lifestyle and joined a monastery but later left. Maybe you got declared dead in freak boating accident but really lost your memory and just now recovered and was able to fix your credit records and want your Amex back.
Revelate wrote:
Crashem wrote:You got F/R last time and you closed your account. When you activated your account again, F/R flag is still on. Obviously, approval process doesn't check for F/R flags which makes sense.
I honestly can't follow your logic on this one ;(. Need food apparently, but would you mind explaining to me why you consider that to make sense? A flag in a consumer's database record is a pretty easy thing to check for from a technical perspective.
But more likely, you got pissed off about f/r and left Amex, but a few months later realized how much you loved Amex and decided to get it back,
The exact same scenario happened to me. I got FR and refused to comply so I closed the account. Fast forward a year on, I decided to open up a gold account for their points promotion and as soon as I activated it it came up suspended. I too was pretty peeved as to why they they bother to accept it, at least accept it with a limit if they think I'm a risk. I closed the account again and probably wont bother in applying for one of their products again. I'll stick to NFCU, they are treating good 
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