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Amex Zync...

Established Contributor

Re: Amex Zync...


afbar1114 wrote:
 

ok thanks.... i guess theres really no rhyme or reason why amex does a F/R



I'm sure there IS some rhyme or reason to it, it's just not obvious to us. They probably have some internal risk assessment algorithm going and if your spending habits trigger a warning enough times, then you stand a chance for an FR. I really doubt they ever bother doing it frivolously - it might seem like it to us, but since it will cost them money/time/effort/an angry customer, I really doubt they ever do it just for the hell of it.

EQ 679 FICO (02/24/2012)
TU 721 FICO (03/10/2012)
EX 703 FICO (05/05/2012)

Cards: NFCU cashRewards $14k, NFCU Platinum $14k, USAA Amex $7k, Amazon Visa $3k, Chase Freedom $2.5k, Amex Zync NPSL, Discover More $1k, Amazon Store $1.3k, Walmart Store $700
Message 21 of 26
Contributor

Re: Amex Zync...

There are rhymes and reasons as to why they do FRs, just not ones that the public knows about.

 


I gurantee some "worrysome" things are done which trigger it.  Buying fuel is not one of them.

Message 22 of 26
Highlighted
Super Contributor

Re: Amex Zync...

There are absolutely reasons, though I can see why they'd like to give the impression of it being random.  Aside from proteciton from lawsuits, once it is known what your actions are based on (take gov't entitlements, for example), it allows for enterprising and creative people to "game" said system.

 

 

Message 23 of 26
Frequent Contributor

Re: Amex Zync...


Linuss wrote:

There are rhymes and reasons as to why they do FRs, just not ones that the public knows about.

 


I gurantee some "worrysome" things are done which trigger it.  Buying fuel is not one of them.


Sounds like paranoia with some of these Zync owners

Message 24 of 26
Valued Contributor

Re: Amex Zync...


AF_23 wrote:

Linuss wrote:

There are rhymes and reasons as to why they do FRs, just not ones that the public knows about.

 


I gurantee some "worrysome" things are done which trigger it.  Buying fuel is not one of them.


Sounds like paranoia with some of these Zync owners


its not just Zync owners that can get  a F/R its any Amex card holder. even if you have the plat or gold....


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Message 25 of 26
Established Contributor

Re: Amex Zync...


afbar1114 wrote:

AF_23 wrote:

Linuss wrote:

There are rhymes and reasons as to why they do FRs, just not ones that the public knows about.

 


I gurantee some "worrysome" things are done which trigger it.  Buying fuel is not one of them.


Sounds like paranoia with some of these Zync owners


its not just Zync owners that can get  a F/R its any Amex card holder. even if you have the plat or gold....


I think what they mean are the people that are just getting their foot in the door with Zync are paraniod about FR. Though its possible for any of their cards, I cant see it likely that they FR my Cent. They had to verify assets before issueing it.

Message 26 of 26