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GonnaGetEm

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About GonnaGetEm

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    upstate NY
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    music, internet, family, research, CB
  1. Hey all long time no post! Remember when I finally bit the bullet and re-applied for some Amexes about a year ago, but first they sent me a 4506-T AGAIN to fill out, and I did, and mailed it back, and then they sent another letter saying they needed it because they hadn't received it, yet the new request didn't even have one included? I'm sure I'm not the only one who had this happen. There's probably even a thread for it. Well out of the blue a week or two ago I got a letter from New Accounts apologizing for not including the form in a letter from February, 2015, and telling me they realized they had an internal error where people like me were mailed letters asking for 4506-Ts but didn't include them. Also it said for me to just re-apply because it's been too long to do anything about it. Funny thing is, I had applied for TWO AMexes, and sent them forms for BOTH, and got back replies that NEITHER was received, and got new requests for two MORE of them... but only got a letter the other day about the PRG, not the other one (I forget what I had applied for, now). So they're still all messed up internally. Anyone else have this happen? Would like to find the right thread but as usual the forum search function isn't being too helpful. I see that my closed Amexes on my credit report have open dates in 1986 finally so for me to actually get approved after all this time and back-dated would be nifty but they've been stringing me along with this 4506-T thing since 2010 and I find it hard to believe that THIS time might be different if I reapply YET AGAIN. (edited to add - ok I see they do'nt backdate anymore but heck if they'd just re-open my cards that were initially opened in 2010 but closed due to me not giving them the form upon request, that would still work for me. Or re-open the 1986 dated ones, but I was AU on those and Bob isn't around by the looks of things so.. yeah. hm. this might be pointless now.) Anyone else have any luck or feedback?
  2. Yep my card showed up in my online account this morning with a CL of $6500. they matched my highest reporting limit as of the date of my application.. of course they waited over a week to approve me, and in that time a $10,000 CL card and a $8000 CL card should've both began reporting. Maybe I'll luck into a CLI at some point in the near future but for now I'll take it.
  3. You can start celebrating! Congrats!! Thanks! *fingers crossed*... so far there's no loan documents, no credit cards on file, no message to view... but I will be cautiously optimistic!
  4. Does "Transferred" always mean approval? I waited for over a week for mine to change from "pending" to ANYTHING else, I spoke to the on the phone ages ago to do identity verification questions, and finally now today it says "transferred"... just wondering what to expect here.
  5. I clearly did not identify with "once bitten twice shy" or I would've not applied for yet ANOTHER batch of Amexes. HARR
  6. Nah our income is bigger than our son's. It's just that the few grand difference comes from his being added in, but since he's not being added as a joint account holder they do not want/need/will not use his 4506T / Tax documents.. I'm a wordsmith, I like to debate semantics and such. It would seem that rubs some people the wrong way. That's okay. If we were all the same, it'd be a boring place to live. Not as much as your username. What a great band. Boy the 80s were something. Unless its for the shark in which case.... neato.
  7. I said already that I probably will give it to them. However I find this conversation to be quite interesting and informative, which is why I, personally, am continuing with it. I find stagefoursurvivor's opinions to be refreshingly similar to mine, however we have not been active members of this board at the same time at any point over the years that I can recall, so I am enjoying debating this a bit together here. I find it invigorating and stimulating as well as comforting, not stressful in the least. If it's stressful for you though, then might I suggest that if you see me as the most recent poster, you just don't click to come in? I think you have a real sh!tty attitude. Honey, I didn't cause you this stress. Amex did. Get your sh!t resolved and forward that anger towards your husband. Not me. Honey? LOL
  8. I said already that I probably will give it to them. However I find this conversation to be quite interesting and informative, which is why I, personally, am continuing with it. I find stagefoursurvivor's opinions to be refreshingly similar to mine, however we have not been active members of this board at the same time at any point over the years that I can recall, so I am enjoying debating this a bit together here. I find it invigorating and stimulating as well as comforting, not stressful in the least. If it's stressful for you though, then might I suggest that if you see me as the most recent poster, you just don't click to come in?
  9. You know, if you and your wife file taxes separately and have a joint income of $100K, but you make $30K and she makes $70K, and you apply for an Amex and put total HHI as $100K, and they ask you for your 4506T, then your income will be considered to be a flat $30K and sucks to be you. Meanwhile everyone else has their Amex in their pocket based purely on what their application said, whether they earn a dime of it or not. How is that right?
  10. It is disclosed. It's in your card member agreement that you accepted upon activation of the card. Kman, It does NOT matter WHAT is in the card member agreement if it's discriminatory. "Not responsible for damage to vehicles in our parking lot" signs is bull$hit! Do you know that? Most people don't and never make a claim BASED on these signs. Guess what? THEY are FULLY responsible The same CARD act that protects consumers also requires credit card companies to take in to account ability to pay. They can ask anyone to verify their income. The only way it would be discriminatory is if they single out a group based on age, sex, religion, race, sexual orientation, being handicapped. The IRS randomly audits people. Its not discrimination because they happened to choose you. Amex is not the IRS. The same rules do not apply. I did not say I will not verify my income.I said the issue is, they include MANY sources of ACCEPTABLE INCOME on their application. Then when they decide to verify, they ONLY ALLOW ONE.
  11. I mean seriously I'm a freaking homemaker and said so on the app. I, personally, have no ** WORK** income if you want to be technical, right? Oh gee I guess I better say zero on the app. Because thats' how it works..? Never mind how much rental income, investment income, etc etc etc we have coming in monthly. How about it's been five years and they still want it, why would I take repeated hard inquiries? My trouble with Amex has been well documented here since 2010, it's not like 6-8 weeks is going to change anything.
  12. If they only will consider work income they must say so, not say "Include all income available to you. If under age 21, include only your income. Income includes wages, retirement, investments, rental properties, etc. Alimony, child support, or separate maintenance need not be revealed if you do not wish to rely upon it."
  13. I could beg for an Amex since they decided to review my application under different rules than stated on their website, their application, and to other people who aren't me? True, yep. I sure could. I even might. But that doesnt' really address the legality of this method of approval, whereby the vast majority of people are judged on their total available resources and some people are judged on only their IRS-documented work income. Even their 4506T request that I received for each application clearly outlines the BS involved here. First it says "please be aware that the TAX INFORMATION you provide to american express may include income from alimony, child support, or separate maintenance. If you do not wish to reveal this information to us, do not use this option to provide us with your tax information." Then it says "if we don't receive this info from you within 30 days of the date on this letter we will be unable to provide additional consideration to your application". Now. Their application for a card said what again? "Include all income available to you. If under age 21, include only your income. Income includes wages, retirement, investments, rental properties, etc.Alimony, child support, or separate maintenance need not be revealed if you do not wish to rely upon it." So, on their application they tell you YOU CAN - BUT DO NOT HAVE TO - INCLUDE THIS STUFF IN THE DOLLAR AMOUNT YOU PUT IN THE INCOME BOX WHICH WE USE FOR APPROVAL PURPOSES. Then they send you a letter that says IF YOU DONT WANT TO REVEAL THIS STUFF TO US, WE WONT CONSIDER YOUR APPLICATION ANY FURTHER. WTF which is it?
  14. I could beg for an Amex since they decided to review my application under different rules than stated on their website, their application, and to other people who aren't me? True, yep. I sure could. I even might. But that doesnt' really address the legality of this method of approval, whereby the vast majority of people are judged on their total available resources and some people are judged on only their IRS-documented work income.

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