Reply
Blogger
HiLine
Posts: 2,836
Registered: ‎10-19-2012

Re: Asking for an AMEX FR


youngandcreditwrthy wrote:
Haha welll.... What if I need to charge $20k on my $10.5k BCE?!??! Lol haha eh not really :-P
Visa Siggys let you go over the limit

I went 50% over the limit on my Amex revolver once. 

Frequent Contributor
newportguy
Posts: 351
Registered: ‎11-11-2012

Re: Asking for an AMEX FR


Open123 wrote:

The button is not a toy, at least that's what Amex claims.



+1 ......... To me ,thats playing with FIRE, never know when you might get burn


Current Score: myFico EQ - 794 ( 11/ 29/2012 ) amexFico EX - 787 (10/15/2012) myFico TU - 780 (11/29/2012) Credit Sesame - 809 (02/04/2013) Goal Score * 800 Club *
****** Garden Club Member -- Last HP Jan 3rd 2013 *******
*** Amex - BCP 10 K * PenFed - CR 5 K * Amex - GDSM 5 K *
Discover - IT 5 K ***** NO MORE APPS FOR ME IN 2013 *****
Senior Contributor
youngandcreditwrthy
Posts: 6,154
Registered: ‎08-16-2012

Re: Asking for an AMEX FR

Haha I never go over limits :-) I never even get close! Haha
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Senior Contributor
youngandcreditwrthy
Posts: 6,154
Registered: ‎08-16-2012

Re: Asking for an AMEX FR

Wow! Yeah I'll just wait five more months and try to get to a $24,000+ cl. Making sure to avoid $25k + and a FR. Lol
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Frequent Contributor
jake619
Posts: 496
Registered: ‎11-13-2012

Re: Asking for an AMEX FR


Open123 wrote:

The button is not a toy, at least that's what Amex claims.


Where does it say that?  I believe you, just asking.


GangnamFICO wrote:

Because the chicks dig it when I throw down the card to the waiter and...it comes in handy if I'm short on cash until payday and need a short spot. AMEX gets the booty, and that's important when you're a Pirate.


Minor vulgarity edit --Rev



Senior Contributor
Open123
Posts: 4,018
Registered: ‎02-23-2011

Re: Asking for an AMEX FR


jake619 wrote:

Open123 wrote:

The button is not a toy, at least that's what Amex claims.


Where does it say that?  I believe you, just asking.


They don't actually, but I was just trying trying to make a light jest.  I'm assuming they placed in the button, the last thing on the designer's mind was cardmembers testing it on a card with a hard limit.

Senior Contributor
Walt_K
Posts: 3,065
Registered: ‎11-02-2009

Re: Asking for an AMEX FR

You do not get FR for requesting a 25K + CL. They may ask for documents including 4506t to support your request, but it is not the same as FR. They won't shut down all of your accounts and you don't have to provide the docs unless you want the CLI.

Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


Take the FICO Fitness Challenge
Senior Contributor
youngandcreditwrthy
Posts: 6,154
Registered: ‎08-16-2012

Re: Asking for an AMEX FR

Well isn't requesting a 4506t what happens in midst of a fr? Lol
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Senior Contributor
Walt_K
Posts: 3,065
Registered: ‎11-02-2009

Re: Asking for an AMEX FR

Yes, but what also happens is all of your accounts are suspended and you have to comply or have them all shut down. That is different than asking you to provide support for a CLI where you can choose whether to comply. It leads to considerable confusion using FR to refer to the latter. Newer forum members don't appreciate the difference.

Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


Take the FICO Fitness Challenge
Valued Contributor
bs6054
Posts: 1,673
Registered: ‎11-11-2012

Re: Asking for an AMEX FR

Yes, it is painless (providing you don't mind giving Amex your tax return transcripts).  

 

And you can even be stupid!  I applied, got the request for my 4506T and sent it in.  For reasons I can't quite reconstruct, a few days later I went back on the site to see if there was some indication of progress, and ended up applying for the same CL.  In the mail I got another 4506T (with a new reference number).  At that stage I called in to make sure I wasn't messing up the process.  I was assured that they would just ignore the second.  And things worked out.


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
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+