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They have their own formula for discerning between high risk individuals, just be responsible and honest and you won't have a problem.
Also, don't play with the "Check Your Spending Ability" too much (or put an exorbitant amount).
@sakhalin070 Oops... I played with it one day. Put in $1000 - Approved and increased it buy $1000 until it denied me and said 'you can no longer make this request online - please call ######### to make this request'....on the day I activated my card. ;o
requesting a CLI of 25k+
My one and only FR was triggered by a failed purchase attempt at a law office, or so said the Amex CSR.
@llecs wrote:My one and only FR was triggered by a failed purchase attempt at a law office, or so said the Amex CSR.
did a potential lawsuit scare them? =)
DAMN AMEX ISN"T GIVE ME MY CLI I DESERVE!!! ;p
@sakhalin070 wrote:Also, don't play with the "Check Your Spending Ability" too much (or put an exorbitant amount).
I'm not sure how true that is. I have a BCE with $5400 since Oct. I've played with that button for the 5 weeks, once every week. Putting in $10k, $8k, $6k. It's okay me for $6k, a couple times $8k and never $10k.
Haven't been FRed yet. I know that I'm "playing with fire". But honestly, I'm not worried about FR as everything on app was true.
Usually, FR is trigger due to a huge spending pattern change (i.e., shopping in Macy's, Whole Foods Market, to shopping in cheap clothing stores and regular supermarkets) or charging more than the income you gave them in your app. Just be honest, and charge your daily expenses in accordance with what you put in your app in terms of your annual income. Start a pattern early and stick to it, and if you have any concerns about a charge going through, just call them. I also heard that AMEX don't like using their cards in law firms. That might be another trigger.
Welcome to the Amex family, where the FR bogeyman is always lurking in our wallets. Boooooo........