NYC_Dweller wrote:if you don't mind me asking what exactly went on in the initial conversation with amex? something must have triggered a review on your account. have you in the past, within a short period of time, apply for another amex card with different facts and figures on the application?
I forgot exactly how the convo went but I know he pretty much started asking me a ton of questions about my application that i filled out for that card when i applied as if I had lied or done something wrong. But I haven't done anything out of the ordinary so I'm not sure what triggered all of this to happen.*I also haven't applied for any other credit cards with them. The only thing I can think of that could trigger this is me spending $750 on my first statement and maybe they wern't sure if I'm able to pay for it. My statement ended on the 3rd and I haven't paid it in full yet, I will tomorrow though.
prosper81 wrote:So your Zync card is already active and you are using it? *Curious, if you have spent $750 already, what was your credit limit to begin with? * Also, I am curious what you stated your income as? *I would definitely work with the analyst to either keep your account intact as is or alternatively ask if you could have your credit limit lowered.
Yes my zync card is already active and i have been using it until yesterday I guess, the guy told me they froze my account until I give them the info they asked for and if not received in 2 weeks they are closing my account.
I'm not to sure about my credit limit. The first day I received my card I called and asked and they told me I had no pre set limit, so I said to myself, ok I'm gonna spend as much as I want as long as I can pay it off in full at the end of the month. And I ended up with $750 at the end of the statement. Maybe they dont think I can pay that much compared to my income I put on the application which was 35k which is pretty accurate considering I'm only 21, and I actually make about 31k a year but i also get tips so I estimated around 35k.
They want me to at least prove 60% of that, which is around 21k but I can't even prove that because I just started my new job and I haven't got my full pay yet until after my probationary period, therefore i can't even prove 21k, I'm "on call" and only making currently 80% for a few months and haven't even got a check like I will be in a few months. So I'm kind of in a screwed up situation. I'm going to try my best and beg them to give me a chance and if I default well then close my account, I haven't even got a chance yet. And if that means lowering my credit limit or putting a cap that's fine. It'll be removed anyway after I prove myself I'm sure. Well good luck to me I guess.
Oh and thanks to the mod that renamed my thread title. I wasn't sure how to title it.