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-   MilesBuzz (https://www.flyertalk.com/forum/milesbuzz-370/)
-   -   Merrill+ benifit (https://www.flyertalk.com/forum/milesbuzz/395970-merrill-benifit.html)

Doppy Feb 5, 2005 11:47 am
Originally Posted by pinniped
What is the Amex financial review?
I'm guessing it's what every creditor does - periodically review your credit report to make sure everything is OK. If something negative has been reported by another creditor, AmEx might want to raise your interest rate, lower your credit, see extra documentation, etc.

Sounds like the Ritz benefit isn't great, but getting free airline tickets for each X tickets you buy sounds pretty good.

amymeibt Feb 5, 2005 1:17 pm
Originally Posted by pinniped
Starwood has *some* upgrade awards available through SPG. I understand that these are harder to get and can't always be gotten online. One of the complaints about the Starwood program is that some hotels will cheat the system by classifying a lot of their rooms as something other than standard (even when they truly are normal hotel rooms) to get around the No Capacity Controls rules. I know the Four Points in Cincinnati does this, but I've never been bitten by it anywhere else. (Thankfully.)

What is the Amex financial review?
To avoid amex fiancial review, these info may be useful
http://www.fatwallet.com/forums/mess...ncial%20review
http://www.fatwallet.com/forums/mess...ncial%20review

pinniped Feb 5, 2005 3:16 pm
Thanks for the links. That's some serious hardball, but then again, the people that triggered the Financial Reviews are in a waaaaay different league than I. I don't see myself busting out $88,000 in monthly charges anytime soon. :)

Unless Amex is willing to compensate me for my time spent responding to the request, they are clearly saying "We don't want your business anymore." Assuming that they aren't compensating me handsomely for my time, why wouldn't they just immediately close the accounts? Why the song & dance? There is a zero percent chance that I would comply with a financial review for free. They can get all the information they need about me from a credit report - that's how they base their decision to give me the card to begin with.

sbc94523 Feb 5, 2005 3:16 pm
Originally Posted by amymeibt
I made 3 reservations at ritz, that's what I got based on my experience and chat with ritz-reservation: before you make reservation, check rate at ritz website, for the ritz-maui, , if it's $25X/night, then u can use your merrill+ certificate; for the ritz-VI, if rate is $35X, u r fine too.
What the Ritz-VI?

amymeibt Feb 5, 2005 3:31 pm
Originally Posted by sbc94523
What the Ritz-VI?
Ritz-carlton St. Thomas, Virgin Island

Doppy Feb 5, 2005 4:04 pm
Originally Posted by pinniped
Thanks for the links. That's some serious hardball, but then again, the people that triggered the Financial Reviews are in a waaaaay different league than I. I don't see myself busting out $88,000 in monthly charges anytime soon. :)
These were people who either went over their credit limits or missed payments, so it's not really a surprise that AmEx would want to make sure everything was OK.

amymeibt Feb 5, 2005 4:17 pm
Originally Posted by Doppy
These were people who either went over their credit limits or missed payments, so it's not really a surprise that AmEx would want to make sure everything was OK.
Deleted. out of topic


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