Did I over react ?

[dalebb]

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@pizzadude wrote:

I'll be in the minority here, but I would say that Yes, you overreacted.    Based on other comments it seems that you have a history of back & forth with AMEX due in some part to patterns of opening/closing/app'ing excessively.    If you are going to continually do this, then you should expect nothing less than continued scrutiny.

Credit is not a right, it is a business relationship between you and your creditors.   They have various guidelines, procedures, and approaches to managing the risk of their unsecured CC portfolio,.   There are some things that AMEX just doesn't like, things that seem to trigger a FR, like repeatedly using the "check your spending limit" button.

Look at it this way ~ at least AMEX offers you the chance to keep your accounts open.  If you were flagged by most any other creditor your accounts would just be shut down, end of story, no chance to discuss it or send info to prove your income, etc....

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good point

[drsmith]

No

I am not anti FR. I think it's excessive, but I understand it. I would submit to one if Amex requested it.

However, three is too many. At that point, I would conclude that my credit habits, are not in line with Amex's lending policy and move on. I think you handled it in the exact manner I would have.

[Anonymous]

AMEX over reacted, as I have seen them do before.    Your response was appropriate.