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**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


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But don't worry. I don't check this 7 times a day like you. :P

Lol. Thanks for remembering :D

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I have a BCP sitting at $10,400/$20,000 due to the 0% APR promotion. I was floating $3,000 on returns that I have not made yet. Amex sees this as a jump where I spent $3,000 from my previous month. I have a MB Platinum sitting at $2,500. The first month I made about $1,000 out of $2,500 including the AF (comforters and dress shoes) in returns after the statement printed. A did recieve a call from the charge card department a couple of days after my statement printed reminding me that my payment was due and offered the chance to set up a payment then and there over the phone. She explained how this was customary for a charge card just to make sure the consumer understands exactly what it is. I paid the full balance on the day I agreed I would. I did not make a payment or set up one through the agent, I just set up the payment on my own. The BCP looked like -$3,000 for arguments sake.

 

Due to my noob status at manufactured spending, my Sallie Mae reported with a $3,000 balance higher than the previous month. My Citi AAdvantage with a $1,300 balance. I also took $5,000 from my Freedom for a Chase Ink. This part looked like -$9,300 on top of the -$3,000 for a total of -$12,300.

 

During my lovely chat with the F/R agent, he questioned if my general merchandise statement on my BCP were gift card transactions. They were actually suits I bought but due to the merchant code assigned to the shop it rung up otherwise. I did however manufacture spend $1,000 of the $2,500 balance on the MB Platinum. He didn't know this.

 

He also questioned why I was returning so many items. I explained how I loathe the hassle and time that goes into trying an item at the store. If I like it I buy it. If I don't like it enough to keep it I return it. This also made me think that due to me returning the comforters/shoes after the statement printed on my MB Platinum, Amex may see this as my realization that I spend more than I can handle and I need to lower the balance so I can successfully make the full payment for the month. ,

 

Some of this may be theory, but the numbers are against me. I completely overlooked the reporting aspect and how it would affect me.

Edited by Omnipotent

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Edit:

 

The second month is when I manufactured $1k but the balance was $2,600, not $2,500.

 

Also, the general merchandise transactions on my BCP that the rep brought up where purchases over the last 3-4 months. 4 transactions at an average of $900 each.

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