Jan 3, 2014, 2:49 pm
Last edit by: mia
Earlier discussion is in this thread: Financial Review Discussion [2009-2013]
In the USA a Financial Review typically includes a request to submit an IRS form 4506-T which authorizes American Express to obtain a transcript of your Federal Income Tax Return for a specific year. It does not authorize a copy of the actual return. Download the form here: http://www.irs.gov/pub/irs-pdf/f4506t.pdf
Order your own transcript here: https://sa2.www4.irs.gov/irfof-tra/start.do
Other USA-based rewards card issuers also audit accounts and end unsatisfactory relationships.
Bank of America: 2013
Citibank: 2013
JP Morgan Chase: 2013.1 2013.4 2013.9 2013.12
In the USA a Financial Review typically includes a request to submit an IRS form 4506-T which authorizes American Express to obtain a transcript of your Federal Income Tax Return for a specific year. It does not authorize a copy of the actual return. Download the form here: http://www.irs.gov/pub/irs-pdf/f4506t.pdf
Order your own transcript here: https://sa2.www4.irs.gov/irfof-tra/start.do
Other USA-based rewards card issuers also audit accounts and end unsatisfactory relationships.
Bank of America: 2013
Citibank: 2013
JP Morgan Chase: 2013.1 2013.4 2013.9 2013.12
Financial Review discussion
May 3, 2017, 12:39 pm
#736
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,952
http://www.flyertalk.com/forum/ameri...its-money.html
May 3, 2017, 4:10 pm
#738
Join Date: Sep 2015
Location: SFO
Posts: 3,878
Not necessarily. MSing may or may not trigger a FR. Those who do not MS may get an FR...many factors come into play: income, balance, history, etc. MSing increases the likelihood of a FR.
May 10, 2017, 10:20 am
#739
Join Date: Mar 2008
Location: Austin (TX)
Posts: 308
AXP seems to REALLY want me to accept the invitation for a line increase on one of the cards. There have been multiple emails and pop-ups on the site when I go to the card, and now I even have a mailed invitation. It claims no credit pull and that the offer is based upon past history.
The question lingering in the back of my mind is whether this is something apt to trigger an FR. It isn't that the FR overly concerns me but rather the inconvenience of the card being shut down while I am traveling...
So...recent experiences in this regard?
The question lingering in the back of my mind is whether this is something apt to trigger an FR. It isn't that the FR overly concerns me but rather the inconvenience of the card being shut down while I am traveling...
So...recent experiences in this regard?
May 10, 2017, 10:41 am
#740
Join Date: Jan 2010
Posts: 698
AXP seems to REALLY want me to accept the invitation for a line increase on one of the cards. There have been multiple emails and pop-ups on the site when I go to the card, and now I even have a mailed invitation. It claims no credit pull and that the offer is based upon past history.
The question lingering in the back of my mind is whether this is something apt to trigger an FR. It isn't that the FR overly concerns me but rather the inconvenience of the card being shut down while I am traveling...
So...recent experiences in this regard?
The question lingering in the back of my mind is whether this is something apt to trigger an FR. It isn't that the FR overly concerns me but rather the inconvenience of the card being shut down while I am traveling...
So...recent experiences in this regard?
you have a backup card while traveling anyways, right?
May 10, 2017, 11:27 am
#741
Join Date: Jul 2012
Location: RDU
Programs: DL(PM), UA(Silver), AA(EXP) Marriott(Ti), HH(Gold), Hertz(PC)
Posts: 2,650
It was quite the low impact event for me. Maybe I got picked at random, who knows. I didn't ask, as they wouldn't have told me anyway.
May 10, 2017, 1:12 pm
#742
Join Date: Mar 2008
Location: Austin (TX)
Posts: 308
May 10, 2017, 1:35 pm
#743
Join Date: Jan 2010
Posts: 698
May 10, 2017, 4:36 pm
#744
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,952
May 10, 2017, 10:21 pm
#745
FlyerTalk Evangelist
Join Date: Oct 2011
Location: ATL
Programs: DL Scattered Smothered Covered Medallion, Some hotel & car stuff, Kroger Plus Card
Posts: 10,745
Recently put a single charge over $30k on a card. Statement came, paid it off, went about my day. So...it's very possible to make larger charges and even extreme outlier charges without triggering a FR.
Now that I've said that I'll probably get a call tomorrow...
Aug 2, 2017, 2:42 am
#747
Join Date: Sep 2011
Programs: Virgin Atlantic Silver, IHG Diamond, Bonvoy Gold, Hilton Diamond, AA Platinum Pro
Posts: 1,386
Not under FR, but out of curiosity:
How does Amex handle foreign income or expats during a financial review?
English bank statements wouldn't be a problem, but paystubs would be in a foreign language.
Would they just go by what I file in my US tax return, even if all the income was from foreign sources?
How does Amex handle foreign income or expats during a financial review?
English bank statements wouldn't be a problem, but paystubs would be in a foreign language.
Would they just go by what I file in my US tax return, even if all the income was from foreign sources?
Aug 2, 2017, 6:54 am
#748
FlyerTalk Evangelist
Join Date: Oct 2011
Location: ATL
Programs: DL Scattered Smothered Covered Medallion, Some hotel & car stuff, Kroger Plus Card
Posts: 10,745
Not under FR, but out of curiosity:
How does Amex handle foreign income or expats during a financial review?
English bank statements wouldn't be a problem, but paystubs would be in a foreign language.
Would they just go by what I file in my US tax return, even if all the income was from foreign sources?
How does Amex handle foreign income or expats during a financial review?
English bank statements wouldn't be a problem, but paystubs would be in a foreign language.
Would they just go by what I file in my US tax return, even if all the income was from foreign sources?
Aug 2, 2017, 7:02 am
#749
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,952
We don't have many (any?) reports from individuals who are not USA taxpayers.
Last edited by mia; Aug 2, 2017 at 7:37 am
Aug 2, 2017, 8:55 am
#750
Join Date: Sep 2011
Programs: Virgin Atlantic Silver, IHG Diamond, Bonvoy Gold, Hilton Diamond, AA Platinum Pro
Posts: 1,386
Well, I am a U.S. citizen/person that is obligated to file U.S. federal income taxes. It just so happens that my income and residence is abroad, so I end up not owing any taxes due to the foreign earned income exemption. But I do have to file!