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We Passed Our American Express Financial Review: Part 2

Last week Friday we got a  call and an email from American Express telling us that account is under financial review. As we explained in the previous post financial review is a nightmare. We started sharing the details of the F/R over here. The reason why we got the F/R is because we were spending to much money on our cards. We did a 12 card App-O-Rama and needed to spend $95,000 total.

They sent us the 4506t form to fill out, I immediately downloaded onto my BlackBerry Classic (which I love). ‎Using the PDF editor on my phone I filled out the form in entirely. Once it was done I emailed the forms that for myself and had a hard copy on my computer. The next step is you need to fax this form over to American Express. The financial review department fax number is 1800 219 8549.. If you don’t have a fax machine you can use a free online fax service for example fax zero.

4506-T Form, The form you need to fill out by a Financial Review

Once I had the paperwork sent back to them I called him to follow up to make sure it was properly faxed, received, and sent over to the IRS . My agent is not available when I called so I left him a voice message stating my name, credit card number, phone number and a short message. In the message I  stating that I sent in the form and it would like him to review them to let me know if they’re satisfactory. ‎He did not return my call.

American Express Building, Brighton UK

The following day was Saturday which I was unable to call him, Sunday he was out. Monday he was out and was first back in the office on Tuesday. ‎I did try to get ahold of him on Tuesday, but he did not answer my call. I must’ve tried in five times on Tuesday, but he never did return my call. I left him another message again with my name, credit card number, phone number and I told him I’m waiting to hear back.

Finally, on Wednesday he called me back. He told me that you got my voicemail has been very busy. He told me that he got my forms he sent them over to the IRS to receive the transcripts, and American Express already received the transcripts back. ‎I was advised that they’ll have an answer by the end of the day (Wednesday). I told him that I need my credit cards for my business and I would appreciate to get this done ASAP. He didn’t call me back on Wednesday.

I need this done ASAP!

On Thursday I got emails from American Express stating this card ending in 1004 the limits have changed. The new credit limit is $13,500. ‎I got this email for every card. When I logged into American Express I still saw the banner proclamation that my accounts are still suspended. However, I knew the review was basically complete.

Over the weekend there was a voicemail on my cell phone that the review was complete. I should have received an email with this information (which we had on Wednesday)‎. I logged into my account and confirmed this. The review was over. I was actually surprised that I pulled it off in a week, they usually take much longer and are much more dragged out.

After getting my accounts locked for a week, American Express reinstated them. They slashed some of the limits, but more then that they didn’t do.

Some after thoughts:

And some tips to stay under the radar:

Everything you wanted to know about American Express cards

Public Offer: 50,000 Premier Rewards Gold Card from American Express!

American Express Once In A Lifetime Bonus: Some Good News

Application Status: How to Check If You Got Approved

View our home buying series here: Mortgages, Home Loans, Refinance, and Interest

And don’t forget to follow us on Twitter to be entered into our $50 Giveaway!

In Summary

We passed our American Express Financial Review.

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