@Anonymous wrote:I think it's a question about attitude. I'm sure they would have found another reason.
I have read enough posts here on the forum to make sure that they stop charging and cancel accounts for any far-fetched reason. Stupid, unpredictable, unreliable and greedy lender.
#SourGrapes 
@ojefferyo wrote:Updated with my friends response on the original post.
+1
I don't blame your friend at all.
While I really like my BCP, if they ever started giving me trouble I'd drop them in a heartbeat. There are just too many good lenders out there - who actually want our business - to play games with one like this. I mentioned earlier that going for both cards at once might (?) have driven this behavior, but that's still no excuse. If there was an issue approving someone with a thin file for a second card, they should have simply declined the application.
For the record, I understand "business is business", but that works both ways. 
@UncleB wrote:
@ojefferyo wrote:Updated with my friends response on the original post.
+1
I don't blame your friend at all.
While I really like my BCP, if they ever started giving me trouble I'd drop them in a heartbeat. There are just too many good lenders out there - who actually want our business - to play games with one like this. I mentioned earlier that going for both cards at once might (?) have driven this behavior, but that's still no excuse. If there was an issue approving someone with a thin file for a second card, they should have simply declined the application.
For the record, I understand "business is business", but that works both ways.
I have to say I disagree. From his response it doesn't even look he contacted them in any way so he has no idea why they suspended his accunt. He has barely any of his own credit, applies for 2 cards back to back and can't understand why they might have some concerns? He probaby would have to spend very little effort to restore his account but instead decides to take that approach. If he takes that approach with every lender he won't be getting much credit of his own.
@Anonymous wrote:
@UncleB wrote:
@ojefferyo wrote:Updated with my friends response on the original post.
+1
I don't blame your friend at all.
While I really like my BCP, if they ever started giving me trouble I'd drop them in a heartbeat. There are just too many good lenders out there - who actually want our business - to play games with one like this. I mentioned earlier that going for both cards at once might (?) have driven this behavior, but that's still no excuse. If there was an issue approving someone with a thin file for a second card, they should have simply declined the application.
For the record, I understand "business is business", but that works both ways.
I have to say I disagree. From his response it doesn't even look he contacted them in any way so he has no idea why they suspended his accunt. He has barely any of his own credit, applies for 2 cards back to back and can't understand why they might have some concerns? He probaby would have to spend very little effort to restore his account but instead decides to take that approach. If he takes that approach with every lender he won't be getting much credit of his own.
He has contacted them already... this isn't just verification that he received his cards.
@ojefferyo wrote:
We get to his place and he checks his account. Orange bar across the top saying charges have been suspended and to call 1-800-678-0738. He called last night at 9:30 and they were already closed. I suggested to call the number on the back of the card to see what's going on and they lady said she couldn't help because another department was working on it already. When asked which department she kind of hesitated but reluctantly said the financial department. Looks like he's already getting a FR within the first week or so he's had the card. Only other time he's used it was to put gas in his car which is about $30 or so.
If we were just talking about a run-of-the-mill fraud block (for using the card at a gas pump, for example) I would agree, just make the call.
But in this case ojefferyo's friend has already called, and was told only someone from the financial dept. could help him, and we know what that most likely means.
As for calling back and dealing with the Amex financial dept, there's no 'right or wrong' answer here - to each his own - but in this case I would have done the same as the friend. I agree, with a thin file Amex might have questions, but the time for those questions, IMO, is before you give someone a card, not when they are in a store trying to make a purchase.
If this were my friend, I would simply tell him to get a Venture or QS with Capital One, and move forward from there. There are many lenders that won't require this level of shenanigans, even with a thin file.
