Applying to AMEX 1+ year after they closed my account for not going through with Financial Review

[Anonymous]

So here's the story, over a year ago American express hit me with a Financial review.. wanting tax returns and etc.

I didn't pay any attention to it and they closed my account (it is paid off).

Bare in mind I have never missed a payment in my credit history ever and my FICO score is 770.

Haven't had any hard pulls in over a year.

American express gave me the best credit limit by far out of all of my cards at $22k, Capital one came next at $15k and then chase at $12k.

I'm considering applying again for the American express card but am wondering if I do if they will hit me again with am FR just to get approved?

[manyquestions]

There have been people who got approved with no issues. But  I recall one or two posters reporting getting a FR after approval. I don't think there is any way to know what they will do ahead of time.

[Anonymous]

Just curious... why did you ignore their request for FR? 

[CreditCuriosity]

You most likely will get approved, but get ready to provide a 4506-t upon approval as their computers won't forget who you are and will still want you to prove your income by this method.  I would say 95% chance you are flagged in their system by SSN and will get hit with it upon approval.  Just my 2 cents.

[SkyCommander]

Is that the form that costs $59 to retrieve and send to Amex? What happens to your MRs when that happens and you don't want to pay to get that form sent out. Do you get to transfer them and then cancel?

[ilovelisa]

I had the Zync charge card and they did the FR. I closed the card and applied over a year later for the BCE. They immediately FR'd me after approval. I submitted the docs and everything went fine. 

EDIT: Submitting the tax document was a condition of the approval. They did not approve until after I sent that in. 

[Anonymous]

I was extremely busy in that period of my life and felt it was ridiculous and a waste of time.
I could understand someone that has missed payments, had a bankruptcy recently etc but giving me a hassle when I have done no nothing wrong hits a nerve.
I liked the card itself as is why I'm considering it but I don't want a hard pull when Amex might still have it out for me which is sad being my credit is pristine.

[CreditCuriosity]

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@Anonymous wrote:
I was extremely busy in that period of my life and felt it was ridiculous and a waste of time.
I could understand someone that has missed payments, had a bankruptcy recently etc but giving me a hassle when I have done no nothing wrong hits a nerve.
I liked the card itself as is why I'm considering it but I don't want a hard pull when Amex might still have it out for me which is sad being my credit is pristine.

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They don't have it out for you.. They just have concerns possibly with something that they want to see.  They possibly are seeing a difference in reported income vs. other sources they have at their disposal such as the works number, corporate cost control and similar services out there they could possibly be using that don't match up and thus they might want to see your actual tax returns?  Just one of many possible scenarios.  Pretty easy if you don't want to provide your 4506 then avoid applying if the card is worth it for you then get ready to give them the information or risk having card cancelled again.  Most likely condition of approval will be providing your Tax info.  If you ever had  an AU and they charged more than yourself that is another big thing why they might want to see your taxes, etc.

[austinguy907]

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@SkyCommander wrote:

Is that the form that costs $59 to retrieve and send to Amex? What happens to your MRs when that happens and you don't want to pay to get that form sent out. Do you get to transfer them and then cancel?

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Where does this number come from?  The form is free from the IRS and there's no costs associated with submitting it.  

[manyquestions]

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@austinguy907 wrote:

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@SkyCommander wrote:

Is that the form that costs $59 to retrieve and send to Amex? What happens to your MRs when that happens and you don't want to pay to get that form sent out. Do you get to transfer them and then cancel?

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Where does this number come from?  The form is free from the IRS and there's no costs associated with submitting it.  

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Correct.  In my experience, AMEX FR emails you the form. You print it, fill it out, and fax it back. No cost to you.