They did this to me in 2003 and are doing it to me again very recently. It took 6 weeks to resolve the first time. I've decided not to comply this time as they said they can now do this review every 6 months now. Screw AMEX. I just need to transfer all my MR points now.

Question about the Review.

I had Business line opened with 25k and starwook with 4.5K

After review they said I did not provide the approperiate docs and after trying to reopen 5 times each it just never happened.

My TU is 756 and my EQ is 737 as of now, probably higher with FICO not FAKO

Can I just reapply for these cards or different cards? They would be approved as long as the system did not kick them out.

Any one with advice or experience reapplying after denied. My cards were cancelled back in Early May.

EDIT: I also have about 26k in membership rewards locked up due to the cancellation. I would like to get those back if possible. I think it may be if I get a new card and link my previous membership number.?

Got a call from AMEX early yesterday morning about the same thing. CSR told me to fax in several different documents to support my business and personal income. Just in case they close down my account, I converted all 75000 points to frequent flyer miles today. Based on my usage pattern and income to debt ratio I have a pretty good feeling they are either going to reduce my credit line or close them completely. I think what triggered their financial review was a charge of 12K on my Gold Card last 2 weeks. Anyone want to share their experiences or insights into the outcome of the financial reviews would be appreciated.

folks under current financial review: please do list all the factors you think AMEX might be concerned about...the more data we share the better

I had a financial review a bout 2 years ago. I just faxed copies of banking statement, broker statements, etc, and they opened my accounts again. The gentleman at American Express explained to me that they simply want to make sure you have the financial liquid ability to pay off the debt in a timely fashion.

I currently spend about 100k to 150k per month on my AMEX cards. However, I tend to pay down the balance as soon as it appears on my cards. So, I usually never owe them more then 40k at any one time.

1 Personal account -Starwood Preferred 8500 Credit Limit
3 Business account -Gold Charge Card
-Blue Business 12000 Credit Limit
-Platinum 5500 Credit Limit


I have a total of around $16000 on the Gold Charge card. The combine balance on the other cards amount to about $3000. I usually charge around $7-12K per month without any problem on the Blue Business. About 3 months ago I applied for the Gold Business Card thru invitation and started charging more on it and less on the Blue. I think the charge card is the reason why I am being reviewed. The charge pattern is still the same. Only thing different is I charge onto a different card.

Great! This makes me nervous! When I first started talking with them, they said I would be fine.

I have 3 cards with them with monthly averages of $80K for all them.

This thread is why I had opened a couple other cards with Citi.

Thanks everyone!

Storme said:wow, must be hitting a lot of people.


Im under FR now as well. I caved in and faxed them the info they asked for. Paystubs for 3 months, bank stmts for 3 months, tax returns last 2yrs. They also called my employer while I was on hold to verify employment.

They closed my new business gold card that I just got for the $100 stmt credit, and said they won't honor that promotion since acct is closed.

Don't know about my personal cards yet.

This was most likely brought on by my recent Xbox 360 buying spree.


My FR is over as of monday. They did close the business charge card, however they did give me the $100 stmt credit + a bonus $100 gift card (don't know why)

They left everything else alone.

Not that bad of an experience, it just took longer then I thought and I kept getting different/wrong information everytime I called. The last rep that called on monday to let me know of the results appologized for the wrong information I was given and told me because of that, she'd honor the $100 credit on business card.

I also got the FR. This is lame.

They closed my account.
When can I reapply the new account?
I may need them in Costoco.