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breeze

**ONLY** IF YOU HAVE BEEN F/R'D BY AMEX

Anonymous Survey  

215 members have voted

  1. 1. How many AmEx cards?

    • 1
      78
    • 2-4
      115
    • 5-9
      16
    • 10 or more
      6
  2. 2. Highest limit

    • Less than $5,000
      64
    • $5,000-$9,999
      38
    • $10,000-$24,999
      71
    • $25,000-49,9999
      24
    • $50,000-$99,999
      9
    • over $100,000
      9
  3. 3. Member since

    • Less than 1 year
      97
    • 1-5 years
      75
    • 5-10 years
      20
    • More than 10 years
      23
    • 0
  4. 4. New Accounts just prior to F/R

    • No new accounts
      92
    • 1-3 new accounts
      97
    • 4-6 new accounts
      17
    • 7-10 new account
      6
    • more than 10 new accounts
      3
  5. 5. Overall utilization just prior to F/R

    • Less than 10%
      73
    • 11-30%
      63
    • 31-50%
      26
    • 51-70%
      21
    • 71-90%
      24
    • 100% or over limit
      8
  6. 6. Do you carry a balance on at least one AmEx card?

    • Always
      76
    • Sometimes
      68
    • Never
      71
  7. 7. Did you pay off a balance you had been carrying?

    • Yes - all in one big payment
      57
    • Yes - in a series of large payments
      29
    • Yes - in regular payments over at least a year
      12
    • No
      117
  8. 8. Did you recently stop charging on all your AmEx accounts

    • Yes - I had a special BT rate
      14
    • Yes, I started using another card for regular purchases
      30
    • No, I never used AmEx as my card of choice
      26
    • No, I was charging normally
      145
  9. 9. Did something cause a sudden drop in your score just prior to F/R

    • Yes - I know what caused the drop
      35
    • Yes - I don't know what caused the drop
      5
    • No, my scored had not changed, or went up
      145
    • I have no idea
      30
  10. 10. I had high utilization

    • Yes but not on AmEx
      45
    • Yes, including AmEx
      43
    • No, but AmEx had high utilization
      32
    • None of my cards had high utilization
      95
  11. 11. Reported missed payments/over limit - 6 months prior to F/R

    • I had missed a payment on AmEx
      12
    • I had missed a payment on another card
      7
    • I had gone overlimit with AmEX
      8
    • I had gone over limit on another card
      1
    • Both on AmEx
      2
    • Both on another card
      1
    • I had perfect history the prior 6 months
      184
  12. 12. Derogs

    • I had disputed a derog in the last year
      53
    • I had disputed derogs more than a year ago
      9
    • I have not had any derogs to dispute in the last 2 years
      123
    • I don't know
      30
  13. 13. Did/did not dance

    • I danced a lot
      10
    • I dance a little bit
      6
    • I danced once or twice
      12
    • I never danced
      60
    • What's "dancing?"
      127
  14. 14. Something I don't want to talk about (i.e. lied on application, lost job, etc)

    • Yes, there's something hinky not covered in this survey
      22
    • Nothing hinky that I know of
      181
    • Don't want to discuss it, leave me alone
      12
  15. 15. Compliance

    • I could have complied, but refused on general principles
      51
    • I tried to comply, but something went wrong
      12
    • I complied and AmEx is treating me like royalty now
      33
    • I complied and my treatment by AmEx has not changed
      81
    • Don't ask, it's all bad
      38
  16. 16. Employment/Income

    • I am self employed less than 2 years
      15
    • I am self employed more more than 2 years
      43
    • At the same full time job for less than 2 years
      47
    • At the same ful ltime job more than 2 years
      94
    • I am employed part time
      5
    • I am not employed (housewife, student, whatever)
      11


Recommended Posts

I will leave this open for comments, but only for questions or suggestions. Please don't post your opinions, or relate your experiences in this thread. We got plenty of F/R threads where you can do that.

 

If you have not been F/R'd by AmEx please do not respond to the poll questions.

 

If you responded by accident, please let me know. It would be nice to get something of a pattern, or determine that there is no pattern.

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What about employment? Self-employed, years employed, type of job maybe?

Edited by Sleepless

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Great idea Breeze. :D

 

I never had a F/R so I can't participate. What about a similar survey asking people who never had a F/R if they ever did certain things that are *rumored* to cause F/R. For example, Do you use it with paypal? Do you have credit & charge? Cash advances? Out of state usage? Have unusual spending patterns?(high usage one month and low or zero next month). Ect. Might be interesting what kind of numbers came up there as well. I'd start one but I do not know all the things *rumored* to cause f/r's.

 

 

 

 

 

PS For others who haven't had a F/R & cannot participate, just log out and you can see the results. :D

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Done.Thanks.

 

I will make changes until someone responds, then I'll have to stop, because it would mess up the info.

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Great idea Breeze. :dntknw:

 

I never had a F/R so I can't participate. What about a similar survey asking people who never had a F/R if they ever did certain things that are *rumored* to cause F/R. For example, Do you use it with paypal? Do you have credit & charge? Cash advances? Out of state usage? Have unusual spending patterns?(high usage one month and low or zero next month). Ect. Might be interesting what kind of numbers came up there as well. I'd start one but I do not know all the things *rumored* to cause f/r's.

 

 

 

 

 

PS For others who haven't had a F/R & cannot participate, just log out and you can see the results. :rolleyes:

You can hit show results too :good:

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Good idea - I've had this poll in mind, and paid attention to the things people have mentioned when they got F/R'd

 

Think up some questions and send them to me, and I'll make up another poll for people who have AmEx but have not been F/R'd - we can compare the two.

 

It takes a little thinking and planning to come up with a coherent series of poll questions, can't do it off the top of my head.

 

Well, I could, but it wouldn't be usable. :aggressive:

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If you're a FW member, link to this, or see if you can post a poll there, that would get us a lot more samples to go by.

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I know its too late to add to the poll but maybe we can post whether you had a full blown FR (tax forms) or FR lite (paystub or w2).

ETA: and whether full FR corresponds to being self employed.

Edited by taylortr

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another thing that would be nice to have in the poll is TOTAL CL with Amex...

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I would like to see some of the questions more specific like:

 

Member since

Less than 1 year

1-5 years

5-10 years

More than 10 years

 

Those are some big gaps... 1-5 years and 5-10 years?

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I would like to see some of the questions more specific like:

 

Member since

Less than 1 year

1-5 years

5-10 years

More than 10 years

 

Those are some big gaps... 1-5 years and 5-10 years?

 

 

You're welcome to make up your own survey and post it - get more detailed on anything if you want. :)

 

 

I was just setting up general categories and time frames to see where to focus more intensive probing. Perhaps this will emerge as something to look at more closely, perhaps it will be ruled out as generally not relevant in my survey - we'll see.

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Well, we need more responses. Occasionally, post a link to this in the credit forum, in case people don't notice it. Nobody reads stickies, you know. :)

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By the results so far still looks like no rhyme or reason behind this. Maybe it has to do with living in high risk areas like somewhere that the job market has went downhill or house market became unfordable? I do not know it is strange because so far all seem like really good customers.

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I'm sorry, what is F/R? It's not in the newbie credit glossary! :P

 

 

Financial Review.

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I agree that so far it shows no trend towards any reason. On the other hand, 11 people have responded. We need better numbers in order to break the survey down a bit more.

 

I'm wondering if they maybe are using some kind of service that might rate your finances based on geographic location, as mentioned, or other factors that wouldn't be obvious by the answers to these questions.

 

Meanwhile, let's try to get some more responses to these and see how much interest there is in pursuing more surveys if this doesn't break down to anything usable.

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One additional question suggestion:

 

"Any recent CLIs with AMEX?"

 

1) Yes, I have increased my overall CL 2x in the last 6 months

 

2) Yes, I have increased my overall CL 3x in the last 6 months

 

3) Yes, I have increased my overall CL 4x in the last 6 months

 

4) Yes, I have increased my overall CL 5x or more in the last 6 months.

 

The FR case I am familiar with was a perfect user, no derogs, nothing, except he went mad on the CLI button on amex's own website, and they granted 'em all. FR less than 3 mos later.

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I agree that so far it shows no trend towards any reason. On the other hand, 11 people have responded. We need better numbers in order to break the survey down a bit more.

 

I'm wondering if they maybe are using some kind of service that might rate your finances based on geographic location, as mentioned, or other factors that wouldn't be obvious by the answers to these questions.

 

Meanwhile, let's try to get some more responses to these and see how much interest there is in pursuing more surveys if this doesn't break down to anything usable.

 

 

 

 

 

Breeze that is what I was thinking about. How many people here that had FRs live in CT, NYC, NJ, CA and other areas that high annual income is the norm. I use my Amex's however I want. I have BT my whole car loan to the delta for 2.99 BT for life offer. That is my only debt however I have carried this balance for a year and pay it off just like a car loan. Why because I am earning interest rate that is more then 2.99 so I am making a little money off the deal. My other card I buy expensive items on or shop at target. I get gas, food shop, and I use it online. Not a peep yet. So am wondering what kind of risk data they are using.

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Good ideas, thanks. We will break some of this down further, but I want to get an overall view of it before we get too dtailed. We'll probably do a series of questionnaires as some things become more obvious. I'd say it must be a combination of variables, or it's something we haven't considered looking at, like geographic location, items purchased.

 

I meant to cover CLI's with dancing, but I wasn't thinking about increases without dancing.

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