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amex fr problem

New Contributor

amex fr problem

just got approved for amex green card but... im self employed and dont have my 4506-t form yet but my accountant can provide a profit and loss file.. will that be acceptable for amex incase they feel the curious need to FR me..? can also provide bank statements from personal and business which business deposits and electronic deposits are over 200k a year much more then i listed on the application when i got approved.. this infamous fr has me freaked out... -.-

 

tips and answers apprecated!

Inquires= 0 as of 3/20/2013 till 4/1/2014
-Amex green NPSL -Discover it 1k -Capital One 1.25k -Walmart 700.00
-JDCU 500.00 -Credit one bank 400.00 (credit builder card =) -Babys R-us 200.00? =(
TU=649
EQ=632 as of 3/20/2013
29 REPLIES
Valued Contributor

Re: amex fr problem

Why are you so worried about an FR? Despite some noise on the forums sometimes, they are not all that common....



My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie
New Contributor

Re: amex fr problem

LOL why wouldnt i dont you see all the FR prophets we have on this site? its enough to mark the ending days of our amex cards! =/

Inquires= 0 as of 3/20/2013 till 4/1/2014
-Amex green NPSL -Discover it 1k -Capital One 1.25k -Walmart 700.00
-JDCU 500.00 -Credit one bank 400.00 (credit builder card =) -Babys R-us 200.00? =(
TU=649
EQ=632 as of 3/20/2013
Regular Contributor

Re: amex fr problem

You mean to tell me they haven't FR you yet? This is strange indeed. I'll be worry if I was you..... 

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
Valued Contributor

Re: amex fr problem

Smiley Very Happy Don't worry about it bro. I started getting nervous when I was reading some of the propaganda on here, but I noticed that most people ranting about it have not even had an FR. In fact, some have not even had an AMEX...lol.



My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie
Super Contributor

Re: amex fr problem


Swapmeet wrote:

Smiley Very Happy Don't worry about it bro. I started getting nervous when I was reading some of the propaganda on here, but I noticed that most people ranting about it have not even had an FR. In fact, some have not even had an AMEX...lol.


So true 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
New Contributor

Re: amex fr problem

see LOL! doomsday is to come with comments like that

Inquires= 0 as of 3/20/2013 till 4/1/2014
-Amex green NPSL -Discover it 1k -Capital One 1.25k -Walmart 700.00
-JDCU 500.00 -Credit one bank 400.00 (credit builder card =) -Babys R-us 200.00? =(
TU=649
EQ=632 as of 3/20/2013
Super Contributor

Re: amex fr problem

I also wouldn't worry about it as swapmeet said take some of it with a grain of salt Smiley Happy

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Mega Contributor

Re: amex fr problem

Rules of thumb with AMEX to avoid FR:

 

-PIF. Even on revolvers. AMEX hates balances that go over a period of time.

-Never overstate your income on an app. It will haunt you in the long run. If you think AMEX does not have people analyzing your spending habits think again.

-Keep your file clean. AMEX is notorious for SP'ing constantly on someone's file. They keep a close eye on you.

 

 

You keep these bullets in mind you'll avoid an FR. Simple as that.




EQ FICO 548 3/3/16
Valued Contributor

Re: amex fr problem

If you're so worried about being FR'd then why get an AMEX.

FYI, if you are going to run a business with it then I would get a business card from them or they will catch on and shut you down.
Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |