topic Re: So guess who just got FR'ed! in Credit Cards

So guess who just got FR'ed!

ilovelisa — Thu, 07 Mar 2013 20:38:31 GMT

So I get home from work today, and have a message waiting from American Express asking me to call them. I call the number back, and the automated system says thank you for calling the AMEX FR team . Uh oh, so I called the extension I was given and the lady that left the message answered. So after the verification questions she asks me about my current phone numbers, email address, current job and pay. So she says that they are going to need a document from me where they can take a look at my 2011 tax return. I told her, I'm not going through this hassle, because to tell you the truth I was planning on closing this account before the AF hits in September, because I find I get better rewards on my other cards, and I am not going to pay $25 for something I don't use. So she went ahead and closed the account. She said, well we hate to lose a cardmember, I wanted to say "yea well, look at the kind of crap that you're company is pulling" but I remained silent. So no more Zync, and I will most likely never apply for another AMEX again.

Re: So guess who just got FR'ed!

starry1 — Thu, 07 Mar 2013 20:41:13 GMT

Have you done anything weird to trigger a FR?

Anyway, good for you for refusing to give them your tax returns. I think that is completely invasive and unnecessary, I mean its not like they're financing a $300k house for you, so why should they have that information?

Re: So guess who just got FR'ed!

ilovelisa — Thu, 07 Mar 2013 20:47:43 GMT

I haven't done anything weird to trigger it, the last thing I charged was like $3.00 and that was 2 weeks ago. But anyway I say GOOD RIDDANCE AMEX. Now I'm mad because I didn't ask them what triggered it. It is probably all my new accounts and CLI's and new inquiries.

Re: So guess who just got FR'ed!

LS2982 — Thu, 07 Mar 2013 20:52:22 GMT

@ilovelisa wrote:
I haven't done anything weird to trigger it, the last thing I charged was like $3.00 and that was 2 weeks ago. But anyway I say GOOD RIDDANCE AMEX. Now I'm mad because I didn't ask them what triggered it. It is probably all my new accounts and CLI's and new inquiries.

How long have you had the Zync and how much do you normally charge monthly on it??

Re: So guess who just got FR'ed!

vish1 — Thu, 07 Mar 2013 20:52:44 GMT

@ilovelisa wrote:
I haven't done anything weird to trigger it, the last thing I charged was like $3.00 and that was 2 weeks ago. But anyway I say GOOD RIDDANCE AMEX. Now I'm mad because I didn't ask them what triggered it. It is probably all my new accounts and CLI's and new inquiries.

It doesn't have to be your last transaction. Look at your transactions over the last 3 months and see if you find something?

Re: So guess who just got FR'ed!

ilovelisa — Thu, 07 Mar 2013 20:53:33 GMT

I've had the card since 09/12, and monthly charges are about $8.

Re: So guess who just got FR'ed!

p- — Thu, 07 Mar 2013 20:53:49 GMT

FR= Flocking Riddonkulus.

Re: So guess who just got FR'ed!

OnTheRebound — Thu, 07 Mar 2013 20:55:20 GMT

@ilovelisa wrote:
So I get home from work today, and have a message waiting from American Express asking me to call them. I call the number back, and the automated system says thank you for calling the AMEX FR team . Uh oh, so I called the extension I was given and the lady that left the message answered. So after the verification questions she asks me about my current phone numbers, email address, current job and pay. So she says that they are going to need a document from me where they can take a look at my 2011 tax return. I told her, I'm not going through this hassle, because to tell you the truth I was planning on closing this account before the AF hits in September, because I find I get better rewards on my other cards, and I am not going to pay $25 for something I don't use. So she went ahead and closed the account. She said, well we hate to lose a cardmember, I wanted to say "yea well, look at the kind of crap that you're company is pulling" but I remained silent. So no more Zync, and I will most likely never apply for another AMEX again.

Good for you! I would do the same.

Re: So guess who just got FR'ed!

09Lexie — Thu, 07 Mar 2013 20:58:11 GMT

Not that I would give them my tax returns either but didn't you say you had 82 inq's ?

Re: So guess who just got FR'ed!

ilovelisa — Thu, 07 Mar 2013 21:01:04 GMT

@09Lexie wrote:
Not that I would give them my tax returns either but didn't you say you had 82 inq's ?

Yes, I will proudly say "I, Ilovelisa have 82 or more inquiries on experian." haha

Re: So guess who just got FR'ed!

CreditCrusader — Thu, 07 Mar 2013 21:01:32 GMT

82 Inquiries ???

Re: So guess who just got FR'ed!

Anonymous — Thu, 07 Mar 2013 21:05:54 GMT

@ilovelisa wrote:
I've had the card since 09/12, and monthly charges are about $8.

maybe this is why, they're questioning why you would apply for and pay for a card yet charge less than 100.00 per year on it?

Re: So guess who just got FR'ed!

09Lexie — Thu, 07 Mar 2013 21:08:22 GMT

Exactly.

I hope for your sake Barclays will not get to thinking about an AA.

Re: So guess who just got FR'ed!

LS2982 — Thu, 07 Mar 2013 21:08:42 GMT

@Anonymous wrote:
@ilovelisa wrote:
I've had the card since 09/12, and monthly charges are about $8.
maybe this is why, they're questioning why you would apply for and pay for a card yet charge less than 100.00 per year on it?

I agree with this. Why no usage??

Re: So guess who just got FR'ed!

ilovelisa — Thu, 07 Mar 2013 21:08:59 GMT

@Anonymous wrote:
@ilovelisa wrote:
I've had the card since 09/12, and monthly charges are about $8.
maybe this is why, they're questioning why you would apply for and pay for a card yet charge less than 100.00 per year on it?

In the first month of having the card I charged about $300 on it, then I found out he MRE points are worth less than 1%. So I started using my PenFed and BoA card to get more than 1% on certain things.

Re: So guess who just got FR'ed!

vish1 — Thu, 07 Mar 2013 21:09:13 GMT

Amex does soft pulls (primarily on experian) quite often. This FR seems to be based on your experian CR.

Re: So guess who just got FR'ed!

ilovelisa — Thu, 07 Mar 2013 21:11:48 GMT

@09Lexie wrote:
Exactly.

I hope for your sake Barclays will not get to thinking about an AA.

I just thought about that, that Barclays will most likely be the next to drop me, but I only have a $1250 limit, it's not like it's my only card and has a $20,000 limit.

Re: So guess who just got FR'ed!

Datx — Thu, 07 Mar 2013 21:11:50 GMT

I would lean towards the 82 INQs on EX being the trigger for the FR versus the little to no usage on the card. People "sockdrawer" or hardly use cards all the time, that shouldnt lead to a FR.

Re: So guess who just got FR'ed!

starry1 — Thu, 07 Mar 2013 21:15:40 GMT

Are there even 82 different types of cards in the world?

Oh man, I'm stunned. 82?! Were you apping for the same card multiple times until you got a yes or something like that?

Re: So guess who just got FR'ed!

ilovelisa — Thu, 07 Mar 2013 21:17:20 GMT

@starry1 wrote:
Are there even 82 different types of cards in the world?

Oh man, I'm stunned. 82?! Were you apping for the same card multiple times until you got a yes or something like that?

Pretty much, I would app for the Cap 1 VentureOne card once a week, and I finally got it with a $5000 limit.