takeshi wrote:However, credit forum users to tend to be obsessed with fear of FR.
+1 If you go looking for what people on credit forums post about FR, you aren't going to get representative results. You'll hear from people experiencing the worst-case scenarios (and likely from people that fabricated and/or couldn't support the information they provided).
I haven't had to go through the process, but I doubt they are going to do a FR based on suspicious activity. It will more likely be after your account falls out of good standing or you start running up huge purchases that are out of character for your account. I also doubt they'll flag purchases of coffee, then a bag, then furniture as suspicious unless the latter are for huge amounts of money in wildly different geographic areas (useless anecdote: I made a Louis Vuitton purchase with a debit card
in a city I previously never made a purchase in without a problem). You just got the card, so Amex doesn't yet have a good idea of what is expected/nonsuspicious activity, but the algorithms banks use to make such determinations are pretty sophisticated.
You haven't inflated anything and you've used income sources Amex itself considers legitimate. Hopefully it doesn't happen to you, but if it does and they see your tax return doesn't match up to what you've reported to them, you can provide you fiance's tax return as supporting documentation (may not be a spouse but it is a person's income to which you have regular access). I'm not saying the process will be painless or even that you'll glide through it easily, but if you provide honest information you should be able to support it.
Before FR happens you'll have to do something to trigger it. I wouldn't worry too much about it at this point and just enjoy your new card!