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Reader – Removing a card from Apple Pay might have triggered an AMEX FR

February 15, 2019February 14, 2019 Vinh  Credit Cards  amex, fr  Leave a comment

A reader just got AMEX FR’ed and he let me share the story with you guys.  He thinks it’s because he removed a card from Apple Pay!  Now first off, I’m sure lots of people remove cards from AP, so that alone probably didn’t do anything.  He also put 18K of BBP spend bringing the […]

Close your Amex credit card with a high balance? They may soft pull you.

November 6, 2018November 5, 2018 Vinh  Credit Cards  amex  Leave a comment

This happened back in June, but I’m finally getting around to blogging about it.  AMEX is usually pretty tolerant of cycling their CL’s and they’ll let you spend up to 2-3X of your CL before they start denying your charges.  I had a Simplycash card that that a $5K CL.  I got up to about […]

A very impressive AMEX phishing email

May 22, 2018May 21, 2018 Vinh  Credit Cards  amex  7 Comments

Some of you don’t follow me on Twitter, so I’ll make a post about this.  I got this email yesterday, which I thought was a very good phishing email (see below.)  When viewing on desktop, you can tell it’s clearly a phishing email due to the dwgwg3@hjmnsr.com email address.  However, on your phone, it only […]

Reader – AMEX shut me down due to 3rd party check payments

March 7, 2018March 6, 2018 Vinh  Credit Cards  American Express, amex, shutdown  12 Comments

This was the first time I’ve heard of a non-FR based axe from American Express.  I can’t go into the details of the situation, but let’s just say that AMEX doesn’t like it when it receives personal checks not in your name or in any other unauthorized users’ names.  If you’re doing this, I suggest […]

AMEX RAT not giving out spending bonuses due to GC purchases

February 26, 2018February 23, 2018 Vinh  Credit Cards  amex, rat  20 Comments

Introduction We all know to stay away from GCs when trying to meet min spend for the AMEX signup bonuses; however there is now 1 data point that shows they will not give you spending bonuses either.  Here’s a reader’s exact quote: In October, I received a promotion on my biz SPG card offering 15k […]

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