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newjersey (NJ furniture dealer) 于 (Mon Jan 28 13:07:10 2013, 美东) 提到:
Today, 11:22 am #1
noturbizniss
Join Date: Sep 2009
Posts: 13
Financial Review with CVS 1K purchases
Searched for a master FR thread but couldn't find it, or this question
addressed...
If asked by amex about multiple CVS purchases of 1007 what's the best course
of action?
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newjersey (NJ furniture dealer) 于 (Mon Jan 28 13:07:46 2013, 美东) 提到:
Today, 11:25 am #2
ddallas
Join Date: Jan 2010
Posts: 983
That's a good question. "I'm very very sick" does not sound like a good
answer.
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newjersey (NJ furniture dealer) 于 (Mon Jan 28 13:08:36 2013, 美东) 提到:
Today, 11:26 am #4
djrez4
Join Date: Oct 2012
Programs: UA, AA, IB, HHonors, Priority Club, Accor
Posts: 103
Expensive prescriptions for HIV?
Is this a hypothetical or did you really get an FR? What'd they ask,
specifically?
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newjersey (NJ furniture dealer) 于 (Mon Jan 28 13:09:14 2013, 美东) 提到:
Today, 11:30 am #6
gloreglabert
Join Date: Apr 2012
Location: BOS
Posts: 377
I got FR'd before I even had a chance to start growing beans. Jerks must've
read my mind.
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geon (真子) 于 (Mon Jan 28 13:14:23 2013, 美东) 提到:
。。。。。。
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nonozone (nonozone) 于 (Mon Jan 28 13:24:45 2013, 美东) 提到:
之前別人在接到 FR 部門電話時 AMEX 不是說能知道在 CVS 具體買了什麼嗎
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newjersey (NJ furniture dealer) 于 (Mon Jan 28 13:28:59 2013, 美东) 提到:
Today, 12:11 pm #14
AlohaDaveKennedy
Join Date: Oct 2009
Location: USA
Programs: Plans=51, TCC=114, C-Cards in Play=24+
Posts: 2,671
Just buck up and tell them the truth just like any Washington politician
would - that drug resistant disease you caught in Bangkok requires alot of
shots, doctor's visits and expensive medications.
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sioc (煎饼爱果子) 于 (Mon Jan 28 13:36:28 2013, 美东) 提到:
我一直很怀疑这个银行能看到你买的是什么的理论
要照这样的话，amex早就该把我block几百次了
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geon (真子) 于 (Mon Jan 28 13:41:31 2013, 美东) 提到:
。。这还真麻烦
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zli999 (none) 于 (Mon Jan 28 13:43:31 2013, 美东) 提到:
绝对不要说买gc。
之前別人在接到 FR 部門電話時 AMEX 不是說能知道在 CVS 具體買了什麼嗎
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firstsnow (凤凰涅槃) 于 (Mon Jan 28 13:53:12 2013, 美东) 提到:
怎么可能知道买什么
cvs把自己数据给amex，那不是大sb
说买药也可以啊，1k刀的药也不是没可能吧
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newjersey (NJ furniture dealer) 于 (Mon Jan 28 13:59:01 2013, 美东) 提到:
Today, 12:32 pm #16
MilesGator
Join Date: Sep 2012
Posts: 50
If it was a psuedo FR (i.e. just a phone call to verify that it was the
cardholder who actually bought it), then saying it's for drugs is no problem.
But if it were to escalate to a real FR from Amex, wouldn't they look
closely at the line-item receipts and see that the charge wasn't for Anti-
Retrovirals?
If you lie at first then it may just go away and everyone is happy. But if
you lie at first and it somehow gets escalated to full-on FR, then I feel
like you may be in even more hot-sh*t. Just wondering what the experts
around here think about that
And I know about HIPAA (work in a teaching hospital). But I can't imagine
Amex NOT being able to see what you purchased if they really wanted too.
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newjersey (NJ furniture dealer) 于 (Mon Jan 28 13:59:40 2013, 美东) 提到:
Today, 12:50 pm #17
Mrgolfer21
Join Date: Jul 2011
Location: DFW
Programs: AA EXP, Hilton Gold, SPG Plat
Posts: 577
I was buying some over the weekend with cap one and got the fraud thing, had
to call...second time in a week. I told them that i buy gift cards and get
reimbursed for them from my company and each store limits me to $1K per
purchase, i said i'm going to be making a lot more of these purchases so i
really don't want to be cut off. They thanked me for using their card, said
they added notes to my account not to cut me off for multiple purchases like
this. I was also thanked at a separate CVS for buying $1k work b/c I just
made their store sales look really good. I don't see why Amx doesn't thank
us for our business instead of giving us a FR.
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delmarva (little electronics) 于 (Mon Jan 28 15:02:48 2013, 美东) 提到:
???泽西，你被AMEX FR了？
老马失蹄，阴沟翻船？
course
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newjersey (NJ furniture dealer) 于 (Mon Jan 28 15:09:52 2013, 美东) 提到:
呵呵，快了快了，该来的，都会来的。有没有想好如何回答？
"I'm very very sick"?
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jiazi (Light be with you.) 于 (Mon Jan 28 15:15:18 2013, 美东) 提到:
http://www.flyertalk.com/forum/american-express-membership-rewa
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delmarva (little electronics) 于 (Mon Jan 28 15:39:58 2013, 美东) 提到:
开始以为泽西在FT上的ID是noturbizniss
。。。。
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rockbird (Frostmourne hungers.) 于 (Mon Jan 28 16:41:25 2013, 美东) 提到:
用户:i am very very sick
amex: just die plz
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newjersey (NJ furniture dealer) 于 (Mon Jan 28 23:00:29 2013, 美东) 提到:
Today, 8:11 pm #23
noturbizniss
Join Date: Sep 2009
Posts: 16
Update and conclusion:
They did not question the specific purchases, however they were going to
need to see biz income on the tax return. When i explained it's a minor ebay
business woth no income reported on tax return she said if that's the case
then the end of the FR would be to shut down the cards, si i had them close
them now at consumers request. Personal cards were left alone, and did not
need FR. She said the primary driver of the FR was opening of 2 biz cards 2
weeks ago (Delta, and PRG) and SPG in August coupled with large spending on
the new cards. Lesson learned. When i get the PRG and SPG in my name i go
much slower in the bonus period to avoid FR.
Buy VR but do it slow. I was going to fast out of fear that VRs would be
killed. |
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