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@notmyname wrote:"Impeccable" handling of an Amex account does not bring on frozen accounts and FRs. It is sad but amusing too, that people seem so shocked that they are at a "business" dinner and find their accounts frozen when at midnight they were home opening three MORE accounts and raising the limit on the one they are using. This is what causes frozen accounts. It is not responsible behavior and it triggers the algorithms of Amex software to shut the account down; even perhaps because it could be the actions of an account that has been high-jacked.
@Anonymous wrote:
That's what I thought. I knew there had to be some irresponsible handling of accounts going on in order to get this FR because I know so many with Amex..including my husband and other family members and myself as a new member and no one ever heard of it. Most have been LONG term Amex holders. I also agree with how Amex handles this...a lot of people are really irresponsible when it comes to credit and also just applying for card after card after card. Why would anyone need so many cards? Also why would one need to keep asking for CL increases? They already give you normal increases periodically if you are responsible with your card. Obviously, if you only qualified for a low limit in the beginning there was a reason for that IMO. Otherwise, you would have been given a high limit to begin with. Two major cards is enough IMO and you don't need any store cards. That's my opinion and it's worked in my household. We don't carry debt and we've never been in real debt and we never apply for extra cards or ask for CL's. We are usually just given CL's automatically and most of our CL's are very high to begin with.
Message Edited by indyfree on 10-23-2007 09:09 AM
Can a consumer deny a F/R be done? I just got a call left on my message and reconized the number as a number that was posted as being the FR dept.
I'm not sending them anything.
If they request documents that credit cards DON"T need then I think that's an invasion of privacy. Why would they need W2's and bank statements?
I'd rather pay the balance off and close the account.