Does everyone get F/R at least once by AMEX?

[Anonymous]

My parents have had AMEX for decades and never were FR'd to my knowledge.  I have the BCE and really am not worried.  Even if I am FRd, it's not a big deal.

[tinuviel]

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@Anonymous wrote:

It makes me think whether we are overparanoid on this forum. AMEX issues some 50 million cards in the U.S. alone so I find it hard to picture them watching us like a hawk 24/7.

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+1

Performing a F/R takes time and resources, and thus costs Amex money. I don't see how it could be cost effective to do this on every cardholder.

[pizzadude]

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@tinuviel wrote:

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@Anonymous wrote:

It makes me think whether we are overparanoid on this forum. AMEX issues some 50 million cards in the U.S. alone so I find it hard to picture them watching us like a hawk 24/7.

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+1

Performing a F/R takes time and resources, and thus costs Amex money. I don't see how it could be cost effective to do this on every cardholder.

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Yep, it is part of their risk management, and their are certain triggers that raise red flags.   Like trying to run $75,000 on a brand new charge card.....

[Anonymous]

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@pizzadude wrote:

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@tinuviel wrote:

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@Anonymous wrote:

It makes me think whether we are overparanoid on this forum. AMEX issues some 50 million cards in the U.S. alone so I find it hard to picture them watching us like a hawk 24/7.

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+1

Performing a F/R takes time and resources, and thus costs Amex money. I don't see how it could be cost effective to do this on every cardholder.

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Yep, it is part of their risk management, and their are certain triggers that raise red flags.   Like trying to run $75,000 on a brand new charge card.....

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Well in that case I have been flying way under the radar 

[Anonymous]

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@pizzadude wrote:

No.   The chance of FR is highly overblown, and with most of the FRs that we hear about here, there is some contributing factor involving behaviour, spending habits, etc..

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This.  If it was common, AMEX wouldn't have had the highest customer service rating (according to JDPower & Associates) last year.  People do dumb things and AMEX wants to protect itself as well as other AMEX customers.

I've been with AMEX for 10 months now and I've never had a problem.

[Watchmann]

32 years continuous membership with AMEX and have NEVER been questioned about my finances in any way, shape or form. 

[dharalex]

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@pizzadude wrote:

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@tinuviel wrote:

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@Anonymous wrote:

It makes me think whether we are overparanoid on this forum. AMEX issues some 50 million cards in the U.S. alone so I find it hard to picture them watching us like a hawk 24/7.

---

+1

Performing a F/R takes time and resources, and thus costs Amex money. I don't see how it could be cost effective to do this on every cardholder.

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Yep, it is part of their risk management, and their are certain triggers that raise red flags.   Like trying to run $75,000 on a brand new charge card.....

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I read that thread...crazy! Hi, I would like to activate my card...by the way, I plan on charging $75,000 real soon, ok? I'm not trying to be mean spirited, but I just don't get it!

[Chris123nTx]

I have had amex cards off and on, business and personal, from the mid 80's and i never once even had it come up. There were a few years where my spending, (i was a travelling salesman) got what i thought was pretty high.

Right now though, i only have one acct, delta plat, with a 10k cl and i sure dont think they would waste the postage on me.

[Red1Blue]

Amex did 3 times FR on me in the last 4 years.

[haulingthescoreup]

Nope. Never once.

I don't try to game my cards, and I don't app for everything that moves, and I pay my bills promptly.

I have never had anything other than excellent CS from AmEx, including fraudulent usage on a card.

If people would stop trying to finagle deals that they read about on the Internet (including here), and just use their CC's in a sensible and responsible manner, we wouldn't have all this drama.

JMO/IMOFWIW/ETC