- Green Member
- Posts: 3
- Joined: Wed Feb 26, 2014 6:12 pm
- Location: London
Hi, brief questions; confused. I am a U.S. Citizen living in London. Applied for an AMEX Green about a month ago, was approved immediately because of income qualifications and other short but existing credit history in the U.K. After having to send passport and address verification to Brighton office - I was approved and the card was sent out. I waited about two weeks to activate the card because I had no use for it and was quite busy. Now to two days ago, I activated the card because I had an emergency. HSBC my current bank would only let me withdraw 5000 pounds because of weird new banking regulations in the UK. I needed 6200. I called up American Express, asked them about cash advances through ATMs, they were unable to oblige as I had not filled out the proper paperwork. I then went on to ask if I could make a purchase for 1200 pounds - and of course - without reservation, they said yes. So, I made a purchase of 1200 pounds via Paypal for services that ended up paying for my rent indirectly. Now they say that using Paypal is against their terms of service and my account was flagged for financial review. I was expressly told my a representative the day before that I could use paypal and that it would not be a problem but they say they have no record of me calling. It was not a friendly discourse either - they were very accusatory and actually quite rude. I understand the risk analysis algorithms used for credit access, etc. but based off of my income (I am 28 and make about 80,000pounds / yr with zero debt in the UK and an additional 40000$ income from a rental property in The U.S. I am confused as to why this is happening. I went into Sainsbury and was rejected for a 15p purchase. I was astonished. There was no warning. Does anyone have any advice?