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About Shawnee

  • Birthday 04/02/1964

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  • Location
    East of the Mississippi


  • Member Title
    Mr. Freeze

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  1. Totally unpredictable and as you know I followed every FR story I could find. They did it to established accounts of 10+ years, they did it to new account holders, and just about everyone in between. One warning signal used to be fraud alerts that made no sense and constantly having to call them to release the hold on the account and verify charges. That happened to me for a month before the FR. IMO it was too much grief and they would not assure me the ridiculous fraud alerts and a potential future FR would be avoided if I gave them what they wanted so I closed the accounts and won't go back.
  2. A good example of 'manufactured spending' was a deal the US Mint had a few years ago. You could buy 500 dollar coins with no shipping and deposit them right into your bank account.
  3. My advice would be to return to your normal spending and avoid CLI requests or more AMEX apps. If you follow that plan they probably won't bother you again.
  4. It has happened before but is rare. As I recall the subsequent FRs involved unusal spending and/or repeated CLI requests/apps for more AMEX cards.
  5. I knew you had to have a thread here somewhere for approvals... I lifted the freeze on EQ for my merchant account and while I was at it put in two applications, the first in six years. Discover It $4500 - A little low compared to my other accounts but usable for my spending. I'll take advantage of the bonus cash back and go from there. Penfed auto loan - Instant approval for $22k @ 1.29%,
  6. I guess I shouldn't be surprised that they're using their India center for FRs now. When I last dealt with them in 2006 they were only using India for late night calls, the FR I dealt with was handled out of Salt Lake City. I really wouldn't care to have sensitive personal information like tax return transcripts to be handled out of the US. AMEX isn't alone as you all know, customer service is rapidly being offsourced out of the country.
  7. I wouldn't worry about it much, with your current limit I don't think they will do much more than verify things. As I recall once you send in the info they complete these in a short amount of time.
  8. It's call skimming and it has gotten very sophisicated. The new skimming devices are tiny and easily hidden. I think most people here keep a close eye on their accounts but most people only look at their statements and the scammers can do a tremendous amount of damage within a billing cycle.
  9. I suppose so but these days at most places you would use your card no one sees it. About the only type of place I can think of where your card is seen is restauraunts which are also hotspots for having your card info stolen.
  10. Hey there, it has been a long time. The health has been good for several years now knock on wood. My problem is that I am juggling two businesses at the same time and business has been pretty good so I just haven't had a lot of time. Even though I haven't posted a lot I have come by and browsed threads when I had a few minutes. I'll try to remember to post here and there so you all know I'm still kicking!
  11. I should add Discover was kind of a white whale, they turned me down twice during the app-o-rama days.
  12. Hi Krish, nice to see you again! Trev, the actual name of the program is Penfed Auto Buying Program. You can find it from the Penfed main page. I only applied for the Discover because Sam's still doesn't accept Visa or AMEX and the rewards on my MC accounts isn't very good these days. Up until the Discover my newest account was just under six years so I figured I could add one card without much damage. The EQ freeze goes back into effect on Wednesday and I just don't see much out there that does much for me, at least cards I don't already have.
  13. Doing pretty well, thanks. I've managed to avoid any more hospital trips and just have a few nagging things that are taken care of in the office. Considering the issues I had, I'm thankful I am well enough to maintain and actually expand business. Hey Trevor, nice to see you again. I remember the app-o-ramas well! BTW, I wanted to share a good word for PenFed's auto connection. Once you pick the vehicle you're looking for they give you a list of dealers to pick from. I walked into the dealer with the PenFed approval and paperwork and was out of there in ninety minutes with the new car. No pressure and no hassles, the best experience I've ever had at a car dealership.
  14. Even though I don't post here a lot these days, I thought I owed it to some of the oldtimes who followed my colorful episode and not being able to control myself, that led to freezing all three CRAs in July 2008 and they remained frozen until July of last year when I finally had to break down and get a merchant account (the ability to accept credit/debit cards for payment). BTW, I've been through mortgage loan, auto loan, and credit card applications and nothing prepared me for the exam I received for that down to business licenses and state tax certificates. After the account was approved the file went back to frozen until last week. The bank needed to pull my credit again to increase the limits so I lifted the freeze for ten days. Then I started thinking it had been six years since I opened an account and Discover has been bugging me for years so I pulled their last preapproval and punched it in - instant approval for $4500, the low limit is understandable since I have several five figure balances due to a business expansion last year. I figured I was through but I started to think again (I know, bad thing), my car is now six years old with over 100k on it and Ford is blowing out the V6 Mustangs. I applied with DCU, that became an inquisition over my high balances that are more than covered by my average $9000/month in business revenue. So I went over to Penfed, it was a short app and boom, approved for $22k @ 1.29%, So I made is five years without lifting any of the freezes and 5 years 10 months before applying for consumer credit. I'm done now and will start another streak.
  15. Shawnee

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