Another reason I like us bank/elan

[Anonymous]

A few years ago I tried to charge 2k on an amex card and it got declined during a sale. Had the card for 2 years zero balance never late etc. I called in and found out it triggered a financial review so I needed to agree to 2 years taxes. Not a huge deal but took over week to get the card back and be able to use it. Not a huge deal but def a pain 

Fast forward to today. Tried to charge 7k at a furniture and it got declined. Called us bank/elan and they said it was higher than ive spent recently so they wanted to make sure it wasn't fraud. Within 5 minutes my card was ready to use and the charge went through when I trued it the 2nd time. 

Also us bank was nice to deal with and MOD CUT - NOT HERE! 

Not knocking amex but def much better customer service out there at least when in that situation 

[Anonymous]

Maybe it had to with your reported income, but I'd dump AMEX in a heartbeat if they asked me for a FR over a 2k charge. 

[imaximous]

It almost seems like CC issues follow you around. 🤷🏻‍♂️
I’ve noticed a few threads with AA being taken on your accounts.

[seattletravels]

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@Anonymous wrote:

A few years ago I tried to charge 2k on an amex card and it got declined during a sale. Had the card for 2 years zero balance never late etc. I called in and found out it triggered a financial review so I needed to agree to 2 years taxes. Not a huge deal but took over week to get the card back and be able to use it. Not a huge deal but def a pain 

Fast forward to today. Tried to charge 7k at a furniture and it got declined. Called us bank/elan and they said it was higher than ive spent recently so they wanted to make sure it wasn't fraud. Within 5 minutes my card was ready to use and the charge went through when I trued it the 2nd time. 

Also us bank was nice to deal with and MOD CUT - NOT HERE! 

Not knocking amex but def much better customer service out there at least when in that situation 

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Lenders are clearly spooked by something happening with your profile.  Have you checked your reports recently to make sure everything is in order? 

[Anonymous]

The big thing that scared them according to chase was high credit lines. I had over 300k which ill never get that high again. It put me in a potential risk category even though I paid on time and had decent scores. 

I've def learned what not to do during times like these.