Got the Amex FR Call :(

[n777ua]

From past experience you won't be shut down; you WILL be CLD....most likely anyway

[Anonymous]

Wishing you much luck!  

[Anonymous]

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@n777ua wrote:

From past experience you won't be shut down; you WILL be CLD....most likely anyway

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So, begs the question....if he's CLDed, can he request a CLI?  If so, when?

TIA.

[Kevin86475391]

Good luck with your FR, OP. Let us know how it goes.

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@Anonymous wrote:

So $700 charged and daily expense? Strange if that is what triggered it.. Doesn't Amex want people using their cards? But then a recent blog in 2015 said these key factors...

• Abnormal large purchase in short time
• Large purchase within short time of the sign-up of Charge Card
• Too many authorized users
• Overly frequent check of Spending Limit
• Credit limit have already been high
• Returned Payment
• Faking and modifying your annual incomes
• Affected by the same address

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Can someone tell me what this means please? Is it something like two Amex cardholders living at the same address? - That wouldn't seem weird to me if they're family/spouses/roommates.

[Anonymous]

Sorry to hear.  After 6 years sounds a bit ridiculous?  I don't fluff but since we have a business and hubby works, I low ball it a bit.  But we also claim not much for a profit.  Although you know how that works.   But savings/checking accounts don't lie.  I would just say your were adding your wife, etc.  I can't see it as a bit problem since you've had most accounts for 6 yrs.  

[Anonymous]

I live in FL and I guarantee that is not possible!  If you do get a working mower, please let me know.  I have gone through 4 guys in 4 weeks!  

[Anonymous]

Bonuses do count if you get them all the time.  When we app'd for a mortgage they did use them since hubby got them for over 15 yrs straight.  And yes, 75k is not uncommon.  I thnk you'll be fine.  Not too much of a fluff.  Don't worry.

[Anonymous]

Can't say that is true!  Give my card to my hubby to use for work and what ever to rotate my cards.  Did put up to 4.5 of an available of 6k.  But did PIF on all the work charges.  I use most less than he does.  And he is an AU on them.  Sometimes he has my card instead of his.  

[Imperfectfuture]

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@n777ua wrote:

From past experience you won't be shut down; you WILL be CLD....most likely anyway

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Really?  You had that happen?

[n777ua]

Yes years ago; I remember the analyst at the time told me whenver reviews go to that department its to determine how low the new CL will be...idk maybe the policy has changed.

I can't remember how long it was before I tried for a CLI but whenever it was it worked, but I think I waited at least 18 months....