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Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007

Re: What triggers an Amex FR?


distantarray wrote:

llecs wrote:

My one and only FR was triggered by a failed purchase attempt at a law office, or so said the Amex CSR.


did a potential lawsuit scare them? =)


It was for starting a biz. I guess the legal fee triggered a fear in Amex that I was in legal trouble or something like that.

Regular Contributor
GoldenloveNY
Posts: 243
Registered: ‎02-29-2012

Re: What triggers an Amex FR?

[ Edited ]

sakhalin070 wrote:

Also, don't play with the "Check Your Spending Ability" too much (or put an exorbitant amount).


True. I mean that feature is there for a reason. Any cardholder should use in case they are going out and what to charge something outside their daily charges (don't want to go to a restaurant and be declined..LOL), but I think some people over do it by typing a insane amount. If you type in $10,000, and your annual income is $20,000, I am sure that will raise a eyebrow....

Zync from American Express- NPSL
Amex BCE- $1,000
Discover IT- $1,500
Bank of America 1-2-3 Rewards-$1,000
Chase Freedom- $500
Capital One- $500
Regular Contributor
GoldenloveNY
Posts: 243
Registered: ‎02-29-2012

Re: What triggers an Amex FR?


llecs wrote:

distantarray wrote:

llecs wrote:

My one and only FR was triggered by a failed purchase attempt at a law office, or so said the Amex CSR.


did a potential lawsuit scare them? =)


It was for starting a biz. I guess the legal fee triggered a fear in Amex that I was in legal trouble or something like that.


What's funny is that I was in a law office the other day getting some papers fax, and I was going to pay the guy with my Amex. I took it out, was about to give to the man, but then I remembered I was in a law office....lol.

Zync from American Express- NPSL
Amex BCE- $1,000
Discover IT- $1,500
Bank of America 1-2-3 Rewards-$1,000
Chase Freedom- $500
Capital One- $500
Frequent Contributor
bluesnowman
Posts: 464
Registered: ‎10-29-2012

Re: What triggers an Amex FR?

There are many things that can cause an FR from what I have read.

 

1. Unusual amounts of spending (i.e. you make 40k a year but this month you charged 6k, they are worried how you are going to be able to pay them back.)

2. Messing around with the Check your spending ability button more then 2-3 times in a week. Yes they watch how many times you punch in a number and the amount.

3. Your income changes.

4. trying to pyramid debt

 

As long as you were honest on the app and dont have the desire to spend like crazy and have them watch you like a hawk, you should be okay. 

Bank of America: Cash Rewards.-1,000. 4/25/12 (CLI Increase 6/15/13), Citi: Forward- 3k. 10/27/12 (CLI on 2/8/14, SP). Discover: More- 2k. 10/27/12 (Increase 6/1/14). Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 2.4k. Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-4k.12/8/13. Last App: 1/8/14.

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