ddallas

I want that to be true but I don't know how we would get more data on it.

About how much do you spend at CVS per month? 5K, 10K, 20K? I might believe the savings account is considered if someone put like 50K in an AMEX savings account and then used an AMEX card for 20K per month at CVS for 6 consecutive months without getting FR. I think there still might be a trigger for amount of spend in a type of store, say 20k per month at a drug store, even if your credit limit on the card is 80K and your income is 200K.

Slickw

Something doesn't sound right here. AmEx will flag someone as a very high risk but will allow them to keep the cards open as long as they don't pay them off?

mia

I ordered a transcript of our 2012 tax return using the link from the Wikipost, and the result is much more detailed than the previous one (if I recall correctly). This runs six pages. It appears that the transcript displays every possible line, most with a $0.00 value.

If you have pulled one previously to see what card issuers can see, you may wish to order another.

vodkashine

How long after submitting did it take to receive?

mia

Around ten days, including two weekends. (Ordered on Friday the 3rd, received on Monday the 13th of January)

cowboyguy

If someone has a high level of genuine monthly expenses, like for example company charges your CC and reimburses you later, how does this impact the chances of getting FR?

So for example I've been charging 10k on my card every month since last 3 months for genuine expenses, does it mean I am more likely to get FR because of high charges on CC or does it mean I will not get FR because I'm not spending in just one particular area (like MS)?

xolinlevh

Hey guys-

So some of you may remember my post from a few weeks ago (its now deleted i didnt catch why....) about my Plat and DL Reserve card being instantly closed as soon as I had paid them off in full. After unsuccessfully arguing my points against the phone agents i drafted a email outlining how i felt each reason they gave for closing my accounts was a mistake. Fast forward to this past weekend i got a call from the executive offices thanking me for my email, and letting me know that effective immediately all of my accounts had been restored in full.

Apparently a couple VPs who re-reviewed my account after reading my email agreed that the criteria they used to justify closing my stuff was faulty and they needed to update them.

So im back

mia

Thank you for the update. Your thread was not deleted, but rather merged into the Financial Review discussion thread, which was split around the end of December. (To find any of your own posts, click on your User Name > Statistics > Find all posts by ...)

Scroll back to post #1 for context.

xolinlevh

Thanks I actually did that but given the title of the thread got changed I didnt recognize it while scrolling through the results, my mistake!

coolmind

applied two cards 3 weeks back. (BC and BCP)
charged 10000 across two cards.
got call, explained why i made these charges. and now its under review.. will send my tax 2012 year for review once I receive her email.
got this message...

"Charging suspended. Please call 1-800-678-0738 if we haven't already spoken with you."

What are chances of getting this pass easily?

iqbalt80

As long as you mentioned the correct income or very close to it, you will pass easily.

But if you mentioned 25K as your income and charged 10k in 3 weeks, be ready for a cut down in credit line/accounts.

matthew64832

I've never gotten a FR, nor have I ever bought gift cards or done any real MS, but how picky does AMEX get about sending money to people? For example, I often use Amazon Payments to send money to parents/gf for money I owe them (for example, when gf pays for something on her card that we decided to split, I borrowed money from parents which I am paying back, etc.) I live in an apartment and I also intend to occasionally charge my rent to my credit card; does AMEX get unhappy about that?

My income two years ago was negligible (had no AMEX cards), my income 2013 was 45k, and I I applied for BCP(CL 2500) and Delta Gold(CL 4500) in the summer of 2013 with 45k reported.
I applied for a Business Delta Reserve card (CL 4000) 12/2013 using the income from my new job started this year (I reported 90k as that's salary, my 2014 gross income will be 125k+), it's used for my freelance/consulting work charges, mostly flights on Delta.

1.) Are my activities (using AP to pay back people, $500-1000 a month) and occasionally charging rent (~$1500) to my cards likely to cause a review? The AP charges are always several per month in odd amounts since I'm paying people back for items, often including sales tax or shipping, so it's not like I'm doing one AP for $1000 once a month or anything. Admittedly, I do occasionally pad the AP to my gf by 100-200 and get the money back through other channels

2.) If I do trigger an FR, will the fact that my last years tax return shows lower than what I put on my app for the most recent card be the only thing they consider? I have offer letters, signed contract, pay stubs, etc. but the tax return will obviously not show it since I just started the job this January.

I'm hoping to be able to hit both the 25k MQD waiver (combined across delta cards) and the 30k reserve MQD boost thresholds.

I could easily put several thousand dollars into an AMEX personal savings account (probably no more than 4-5k at the moment) if there was any evidence that helped, but am I correct that my activities are pretty tame compared to most people who get FR? I've never held a charge card from AMEX, only the three credit cards above.

coolmind

yes, I mentioned correct income. little over 100K. but as i m reading these posts, got worried...

mia

Welcome to FlyerTalk. Skim this thread from 2010 in which the poster reported that American Express reacted to a PayPal payment made to his brother:

http://www.flyertalk.com/forum/ameri...d-my-life.html

If American Express decides to do a FR they will request a form 4506-T (see the Wikipost at the top of this thread). They will compare the amount of income shown on the transcript to the amount you claimed on your application and to your spending. They don't appear to be interested in any other type of documentation, let alone anticipated income.

xolinlevh

Good question. I'd be very curious to know how amex looks on these. I need to hit the MQD waiver amount also so been thinking about using bill pay to pay my rent and a few other things through bill pay stuff....