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What do you think prompted the FR call? Did you request a large CLI lately, have excessive utilization for an extended period of time, change your spend/payment patterns, or something else? I'm assuming a negative item wasn't introduced to your credit report? Did they give a reason as to why they were requesting IV?
I've heard of this happening when someone requests a large CLI, but not from just normal every day account activity, so I'm curious to hear more about why you think this happened.
+1
@Anonymous wrote:
The reason i was given was that my authorized user was doing 90% of the charges on the account. My wife is the authorized user and she does all the shopping, bills etc.
I have 3 credit cards with them. Every Day Preferred with 15k credit line, an amex blue cash with 5k and amex Platinum card.
What i found weird is that i can still use my cards and my cards will not be closed even if i dont send them the signed tax release form.
While I can see why this would raise a flag in some circumstances, it's never really made sense to me assuming the charges are run-of-the-mill. It can't be that unusual for a spouse/AU to do the bulk of the household charging.
@Anonymous, hopefully the process will be over quickly and your charging privileges will be restored to normal.
With many of these "I wonder why" threads, to the user, and to us who read the back story, it can make sense.
Does AMEX know that this AU is the DW? AMEX's concern would be that someone poses as having credit, then the AU basically adopts the available credit as their own when the AU is a higher risk. Thus, no reason to shut down the cards yet, but AMEX still wants to understand the situation.
Agreed, should tread lightly. And ask whether DW needs to get her own AMEX cards? Nothing wrong with building up a credit profile for each adult. I know I like my own credit history / profile. And those SUB can be nice.
DW needs to get some cards in her own name. There is no downside to her doing that.
I know it’s their money, their choice but I still don’t understand why Amex cares. It’s a charge card, you can’t revolve, and you’re getting your $$$ every month.
Thankfully I don’t have any lenders in my profile that has cared as of yet. My wife is AU on my Amazon card and she is the only one who puts swipes on there as I have never my own card.
Same for me. I’m AU on my wife’s Uber Visa as I burned Barclays and can’t get one of my own. I’m the only one who swipes the card; my wife never uses hers.
Its not to to say I won’t have an issue but haven’t as of yet.
Has your wife burned amex in the past?