Applied for BCE... Needs Further Review

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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Robrus1
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Location: Texas

Postby Robrus1 » Mon Jan 07, 2013 9:43 am

I don't understand why they do this to people. I like Amex, but I think the FR requests are absurd, especially when you've given them no reason to suspect you may not be able to pay your card. As much as I like them, if this ever happens to me I'll probably tell them to shove it. Tell them you've switched jobs, I suppose. Maybe a copy of your most recent paycheck would suffice. Sorry this happened to you. I'd like to know how this plays out though.
Amex Platinum
Amex BCP 21K
Amex SPG 5K
Barclaycard Arrival Plus WEMC 5K
Chase Sapphire Preferred 23.5K
Credit Union 10K
Discover IT 7.75K


trumpet-205
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Location: CA, USA

Postby trumpet-205 » Mon Jan 07, 2013 9:44 am

If you want the card, go with FR and also offer to submit paystub for 2012.

4506T allows one to get a hold of one's tax report for the last 3 years. 4506T lasts for 120 days from the day you signed it.
In My Wallet:
Citi Forward (12/2010) | Citi TY Preferred (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)

kcarter609
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Location: VA

Postby kcarter609 » Mon Jan 07, 2013 12:26 pm

I've been thinking more about it. If it wasn't for the backdating and having 3 years of history with them already, I would say shove it. Right now, I might just give in and do it. What's the worst they can do? Hard limit my cards or cancel them all together?

Active Cards:
Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
Chase Sapphire Preferred ($10k Limit - 2/2013)
Chase Ink Plus ($7k Limit - 2/2013)
Discover IT ($9.5k Limit - 10/2012)
AMEX Zync (No Pre-set Limit - 1/2010)
AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)

Robrus1
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Location: Texas

Postby Robrus1 » Mon Jan 07, 2013 1:31 pm

Honestly, I've been thinking about this too, and wondering what I'd do if I were in your shoes. Thinking long term, I would probably comply. Backdating, yes, but also because I think I'd miss having my Amex and knowing I couldn't have one anymore would irritate me. This doesn't change the fact that what they're doing is completely ridiculous, however. This makes me not want to ask for a CLI from them...ever. So do you think you'll send them what they want?
Amex Platinum
Amex BCP 21K
Amex SPG 5K
Barclaycard Arrival Plus WEMC 5K
Chase Sapphire Preferred 23.5K
Credit Union 10K
Discover IT 7.75K

Jslimm1985
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Location: Fort Dix, NJ

Postby Jslimm1985 » Mon Jan 07, 2013 1:32 pm

kcarter609 wrote:I've been thinking more about it. If it wasn't for the backdating and having 3 years of history with them already, I would say shove it. Right now, I might just give in and do it. What's the worst they can do? Hard limit my cards or cancel them all together?


I say just comply....you already have time invested with them. ESPECIALLY with 3 years of backdating. They do for us what no other creditor has done with the backdating perk. Yes, it's a bit intrusive and a slap in the face but its all about what benefits you in the end. Just my two cents. Keep us posted.
Revolvers
Credit Union MC 3/2004 ($6K)
Capital One Platinum 3/2005 ($500) :mad:
Dell Financial Services CC 2/2007 ($2.5K)
USAA Cash Rewards World MC 10/2011 ($9.5K)
AMEX BCE 01/2013 ($10K)

Chargers
AMEX Gold 1/2011(NPSL)

EXP 721 (01/02/2013) Amex
EQU 695 (01/10/2013) PenFed
TU 705 (01/22/2013) MyFico

"Please don't thank me for serving, I want to thank you for letting me serve on your behalf"

kcarter609
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Postby kcarter609 » Mon Jan 07, 2013 2:39 pm

I'll call today after work and get this nonsense expedited. I made sure to tell them more than once that I find it very insulting and a huge slap in the face to me and that AMEX is losing lots of business from people who feel the same way. I'll be sure to voice it to them again. I'll let everyone know.

As a side note, I believe messing with the check your spending ability button and MAILING IN payments with money orders instead of paying with online banking help trigger this. I mailed in a few money orders to pay when I got cash for birthday/christmas/etc.

Active Cards:
Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
Chase Sapphire Preferred ($10k Limit - 2/2013)
Chase Ink Plus ($7k Limit - 2/2013)
Discover IT ($9.5k Limit - 10/2012)
AMEX Zync (No Pre-set Limit - 1/2010)
AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)

Jslimm1985
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Location: Fort Dix, NJ

Postby Jslimm1985 » Mon Jan 07, 2013 2:54 pm

kcarter609 wrote:I'll call today after work and get this nonsense expedited. I made sure to tell them more than once that I find it very insulting and a huge slap in the face to me and that AMEX is losing lots of business from people who feel the same way. I'll be sure to voice it to them again. I'll let everyone know.

As a side note, I believe messing with the check your spending ability button and MAILING IN payments with money orders instead of paying with online banking help trigger this. I mailed in a few money orders to pay when I got cash for birthday/christmas/etc.


Messing with the spending ability feature will certainly get you popped. Mailing payments I'm not so sure about but either way I think it's BS it's happening to you. Especially after 3 years of trouble-free loyalty. I'm glad you're sticking it out and voicing your opinion as well. If Amex would do away with the FR they'd be the best creditor hands down.
Revolvers
Credit Union MC 3/2004 ($6K)
Capital One Platinum 3/2005 ($500) :mad:
Dell Financial Services CC 2/2007 ($2.5K)
USAA Cash Rewards World MC 10/2011 ($9.5K)
AMEX BCE 01/2013 ($10K)

Chargers
AMEX Gold 1/2011(NPSL)

EXP 721 (01/02/2013) Amex
EQU 695 (01/10/2013) PenFed
TU 705 (01/22/2013) MyFico

"Please don't thank me for serving, I want to thank you for letting me serve on your behalf"

MemberSince99
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Location: WI

Postby MemberSince99 » Mon Jan 07, 2013 4:34 pm

kcarter609 wrote:I'll call today after work and get this nonsense expedited. I made sure to tell them more than once that I find it very insulting and a huge slap in the face to me and that AMEX is losing lots of business from people who feel the same way. I'll be sure to voice it to them again. I'll let everyone know.

As a side note, I believe messing with the check your spending ability button and MAILING IN payments with money orders instead of paying with online banking help trigger this. I mailed in a few money orders to pay when I got cash for birthday/christmas/etc.


I've read many times that playing with that button gets you noticed. And not in a favorable way. Personally I used it one time, when I first got each charge card, for a "reasonable" amount - it was "approved", and I never touched it again. Doing something like putting in 10k then 100k then a million, yeah, you might as well call them up and ask them to F/R you.

And they know people don't like it, and frankly I don't think they care as they have no doubt heard from many people who were frustrated at this, and haven't changed their policy. In the end they are looking to protect themselves. I can't blame them for that, but I'm not a fan of how they go about it - closing you down without notice and often from what I've read without a lot of reason to do it.

Just remember with these copmanies they are not your buddies this is a business not a personal relationship guys. I see too many people talk about "trust" and the great 'relationship" they've built with creditor XYZ, well ok if you think so, but to creditor XYZ you are simply a collection of numbers mainly how profitable you are as well as how much of a risk. That's pretty much it. Don't make it out to be more than it really is. And try not to take any of it personally.

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Snowman
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Postby Snowman » Mon Jan 07, 2013 4:43 pm

Carter- That sucks. I say this because last year I grossed 12,000 but the year before it was 4-5k (quite a difference). So If I get FR'ed, I'm practically screwed. But that sucks since you have been loyal to them for the last 3 years. Personally, I would not comply with the FR. If I can afford to pay my bills on time all the time and I'm not charging away like there is no tomorrow, why should they be concerned about my finances? I especially don't like the fact that they shut all of the accounts down at the same time and suspend charging too, I would have thought that they leave at least a small amount (500$) in case for recurring bills and other charges. As for the check spending ability, I messed with it once or twice seeing how much I was going to be approved for and decided not to mess with it anymore then that. Good luck and I hope everything works out for you. If not, then at least you have Chase and Discover, so you would still be okay. Amex is only one creditor.
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Discover: More-7k
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.

kcarter609
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Joined: Thu Aug 09, 2012 7:54 am
Location: VA

Postby kcarter609 » Mon Jan 07, 2013 7:02 pm

Snowman wrote:Carter- That sucks. I say this because last year I grossed 12,000 but the year before it was 4-5k (quite a difference). So If I get FR'ed, I'm practically screwed. But that sucks since you have been loyal to them for the last 3 years. Personally, I would not comply with the FR. If I can afford to pay my bills on time all the time and I'm not charging away like there is no tomorrow, why should they be concerned about my finances? I especially don't like the fact that they shut all of the accounts down at the same time and suspend charging too, I would have thought that they leave at least a small amount (500$) in case for recurring bills and other charges. As for the check spending ability, I messed with it once or twice seeing how much I was going to be approved for and decided not to mess with it anymore then that. Good luck and I hope everything works out for you. If not, then at least you have Chase and Discover, so you would still be okay. Amex is only one creditor.


I know. Believe me, I'd love to tell them to shove it. But the thing is the length of credit history and the backdating. Oh well, this can be an experiment and everyone can benefit from it.

Active Cards:
Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
Chase Sapphire Preferred ($10k Limit - 2/2013)
Chase Ink Plus ($7k Limit - 2/2013)
Discover IT ($9.5k Limit - 10/2012)
AMEX Zync (No Pre-set Limit - 1/2010)
AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)



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