topic Re: Charging privileges are suspended. Please call the number on the back of your Card. in Credit Cards

Charging privileges are suspended. Please call the number on the back of your Card.

Anonymous — Wed, 27 Feb 2008 18:10:37 GMT

I just logged into my Amex account online and saw that message staring at me in bright red. I guess it's F/R time...

Re: Charging privileges are suspended. Please call the number on the back of your Card.

Anonymous — Wed, 27 Feb 2008 18:10:56 GMT

FretlessMayhem wrote:
I just logged into my Amex account online and saw that message staring at me in bright red. I guess it's F/R time...

Ack! Good luck!

Re: Charging privileges are suspended. Please call the number on the back of your Card.

Anonymous — Wed, 27 Feb 2008 18:12:28 GMT

Thanks. I really don't think this will be the big deal everyone says it is.

I wonder if this has anything to do with the fact that I was just approved for Green and Clear on Monday. I have the SkyMiles card. I was approved February 5. I have made almost 2k in charges, but I did send in checks to PIF and currently have a 0 balance, so hopefully that looks good on me.

Re: Charging privileges are suspended. Please call the number on the back of your Card.

Red1Blue — Wed, 27 Feb 2008 18:14:33 GMT

FretlessMayhem wrote:
Thanks. I really don't think this will be the big deal everyone says it is.

I wonder if this has anything to do with the fact that I was just approved for Green and Clear on Monday. I have the SkyMiles card. I was approved February 5. I have made almost 2k in charges, but I did send in checks to PIF and currently have a 0 balance, so hopefully that looks good on me.

Let us know once you find out more details. I think it is strange how they stop the access with out any notice. Strange.

Re: Charging privileges are suspended. Please call the number on the back of your Card.

Anonymous — Wed, 27 Feb 2008 18:49:47 GMT

FretlessMayhem wrote:
Thanks. I really don't think this will be the big deal everyone says it is.

I wonder if this has anything to do with the fact that I was just approved for Green and Clear on Monday. I have the SkyMiles card. I was approved February 5. I have made almost 2k in charges, but I did send in checks to PIF and currently have a 0 balance, so hopefully that looks good on me.

So you got the Skyiles on Feb 5, and then less than three weeks later you got two more cards with them?

Three cards in three weeks will get their attention, that's for sure.

Re: Charging privileges are suspended. Please call the number on the back of your Card.

Red1Blue — Wed, 27 Feb 2008 18:53:27 GMT

Wow, 3 cards in 3 weeks? I wonder how you guys manage to get so many cards? They would not give me even Delta. Any way 6 months no more apping for me, so I dont have to feel bad. I wonder how amex applications processing works.

Re: Charging privileges are suspended. Please call the number on the back of your Card.

Anonymous — Wed, 27 Feb 2008 19:04:02 GMT

Well, yes, I did that. But I wanted each for different reasons. I used Delta to get a foot in the door with a prime lender after 5 years in the $300 CL world. After making charges for 2 weeks and sending in checks (I couldn't do it online or on the phone) I decided Green would be better since I could charge and not worry about when it reports and hurting my scores. Then on Monday and decided to go for Clear since it has a good BT rate. Since I built up some account history I got both without a hard inquiry on my report which made it even easier to apply.

All in all, I make pretty good money and didn't lie about it on any of the applications. I already filled out and signed the form and faxed it to them. They said they do thousands of accounts a day in F/R, so hopefully this process is streamlined and will go smoothly. I really don't mind if they check my tax returns to verify income. They are a lender, and need to be reasonably sure I don't screw them over and I understand that. It's my choice to deal with it, and I don't really mind so much. I'm just glad it happened now instead of when I really need the card.

Since they have a valid reason I don't see this as any big deal. I'm willing to accept it to continue to have a prime card in my wallet. However, I would never let a cop search my vehicle without probable cause...

Re: Charging privileges are suspended. Please call the number on the back of your Card.

Anonymous — Wed, 27 Feb 2008 19:12:12 GMT

FretlessMayhem wrote:
... Since I built up some account history I got both without a hard inquiry on my report which made it even easier to apply.

Ummmmmm ... I don't think 2 weeks counts as building up account history. It's more likely you didn't get hit with a hard because they thought you were apping for different products as alternatives. Some CCCs won't ding you for that.

Re: Charging privileges are suspended. Please call the number on the back of your Card.

Anonymous — Wed, 27 Feb 2008 19:22:52 GMT

Sure it counts. I app'd for Green at the same time as Delta and was shot down. After 3 weeks where I charged a couple k and PIF'd they approved me. I think the only score that changed was EQ, as I had 4 derogs come off.

Re: Charging privileges are suspended. Please call the number on the back of your Card.

Anonymous — Wed, 27 Feb 2008 19:43:30 GMT

Yep. Multiple card apps to Amex. As long as your financial data was accurate they should put things back with no problems. Pain in the hinie. Too bad they can't catch this when you are applying and F/R people on app before they get the cards. I really disapprove the freezing of accounts after they have been approved.

Re: Charging privileges are suspended. Please call the number on the back of your Card.

Anonymous — Wed, 27 Feb 2008 20:04:32 GMT

Welcome to the club. I faxed the papers so they can check my 2006 taxes. I told the rep I think they do this just to p*** people off. All they need to see is a check stub and that should be cool. The rep said yeah that would be more easy but that's not the way we do things

Re: Charging privileges are suspended. Please call the number on the back of your Card.

Red1Blue — Wed, 27 Feb 2008 20:23:32 GMT

I could be wrong, looks to me most of the people so far I heard who got F/R has a Delta Card in common. I wonder if that has any thing to with it. Delta is supposed to be easier to get card and Amex is giving that card easily and then coming after those customers.

Re: Charging privileges are suspended. Please call the number on the back of your Card.

Anonymous — Wed, 27 Feb 2008 20:28:35 GMT

concorduser wrote:
I could be wrong, looks to me most of the people so far I heard who got F/R has a Delta Card in common. I wonder if that has any thing to with it. Delta is supposed to be easier to get card and Amex is giving that card easily and then coming after those customers.

I think this is a chicken/egg question.

Is it that having the Delta Card makes you more likely to be FR'd?

Or, is it that the people whose credit profiles and borrowing habits lead to FR are more likely to have the Delta Card?

I'd say it's more likely the latter.

Re: Charging privileges are suspended. Please call the number on the back of your Card.

Anonymous — Wed, 27 Feb 2008 20:41:43 GMT

posts like this scare me-

I opened my Delta- used the heck out of it, wait 6 months and 100 points higher before I opened the Green and Blue cash-

I PIF every month-

As long as AMEX does not freak before the CA's come off-

Anyone notice my siggy?

Re: Charging privileges are suspended. Please call the number on the back of your Card.

Anonymous — Tue, 04 Mar 2008 16:00:38 GMT

And the F/R is over. Total length: 6 days. It was minimal work on my part.

I am not sure what to think. I would have no problem with this at all if it was done when I opened my account. But, it was done as soon as I opened the second account. Kind of invading, but this is a credit crunch and I understand they need to make sure I don't charge a bunch of stuff and go delinquent.

At least it was only about 45 seconds of work on my part.

Re: Charging privileges are suspended. Please call the number on the back of your Card.

Anonymous — Tue, 04 Mar 2008 16:13:18 GMT

You can't leave us hanging bro! What info did they request? Did they hassle you over delivery method (attorney/banker/accountant)? The story is in the details!!

Re: Charging privileges are suspended. Please call the number on the back of your Card.

Anonymous — Tue, 04 Mar 2008 16:44:08 GMT

They wanted to make sure I actually have a job/income.

They emailed me an IRS form in which I specified the return type I filed (1040), and the period (it was 12/31/2006). Then I signed it and faxed it back. That's all it was.

They took care of everything else. Effort on my part was about 15 seconds. That doesn't make it not invasive though. But I understand it is CYA on their part.

Re: Charging privileges are suspended. Please call the number on the back of your Card.

Anonymous — Tue, 04 Mar 2008 19:43:33 GMT

the form they sent was a release to get at your IRS return (done routinely for mortgage apps).

Are your accounts now thawed?

Re: Charging privileges are suspended. Please call the number on the back of your Card.

Anonymous — Tue, 04 Mar 2008 20:04:47 GMT

I don't believe so. I opened my first account (Skymiles) on February 5. Last week I applied for Green and Clear.

In a way I kind of wanted it to happen so I could get it over with. They said they are eventually going to FR all accounts, and I didn't want it to happen when I was in dire need of my card.

Re: Charging privileges are suspended. Please call the number on the back of your Card.

MidnightVoice — Tue, 04 Mar 2008 20:11:01 GMT

FretlessMayhem wrote:

In a way I kind of wanted it to happen so I could get it over with. They said they are eventually going to FR all accounts, and I didn't want it to happen when I was in dire need of my card.

Never use it in public

Never go out without a Visa and a MC