25 thoughts on “How to Avoid an AMEX Financial Review | Things to Avoid & What To Do If It Happens to You

  • Good info!! I’m more in the chase Credit card camp…so don’t hike my AMEx much..but thanks for sharing

  • Keep your credit limits on all your cards under $35k and preferably under $30K. Having a credit limit over $35K will trigger a review.

  • Dear Ernest,

    Thank you once again for making a useful video about credit cards. Only a few people know AMEX has a risk management technique called "Financial Review". And in that few people only very small amount people know what triggers Financial Review. This video will definitely create awareness among people and they can avoid some of their spending patterns that will raise a red flag in the long run.

    PS: I want to personally thank you for considering my request to share my AMEX FR experience to your subscribers in this video.

  • Thank you for uploading an informative video on AMEX Financial Review. Certainly, this video would help people to avoid Financial Review. I have just begun watching your videos. Great Work!! Keep it going!!

  • I saw a YouTube video stating a very easy way to trigger a financial review is to use a personal card for business expenses, is this true? I’ve only heard of this from that one video.

  • Great info! I agree, be honest on the income of your apps and request. Fortunately, I haven't been graced with an Amex Financial Review, but I am sure someday it'll happen to me .

  • Hello,
    I have 2 Amex card.I want to close Amex Everycard but before closing i am thnking of transfer the credit limit over to another Amex.The limit is $2,000 so can I transfer $1800 to another amex and close that Everyday card?

  • Having two PayPal accounts is against PayPal’s terms of service, also, sending money to yourself can also be seen as abusing the point system. Him having two PayPal accounts were mentioned in the letter.

  • I currently have an AMEX PRG card with no spending limit and never had any issues.I was thinking of applying for the SPG card. Will that increase my chance of a financial review?

  • HEY WOULD THEY DO THAT IF YOU ARE IN THE MIDDLE OF TRAVELING AND THEY CUT THAT CARD OFF?? WOW. WHAT SAY YOU??THIS WAS A GREAT VIDEO THANKS.DIFRT FARMER MICHAEL USNAVYRETIRED ORG. FROM GA. LIVING IN THE COUNTRY OF PANAMA.(ALWAYS WISHING THAT MY MESSAGE FIND YOU AND YOUR WELL ALWAYS) BE SAFE AND TAKE CARE.

  • Way too much aggravation…if you are a good CUSTOMER who pays their bills on time without issue…there is another option…cancel AMEX and move onto another card provider…simple…why bother wasting your time satisfying AMEX?

  • The Check Spending Power does not lead to any Financial Review. This is an urban legend.

    You have a limited number of checks you can try in a 24h period. That is all. Getting a FR because of Check Spending Power checks is an Urban Legend. It makes no sense for a credit/charge card company to penalize customers checking beforehand whether a purchase would be approved. The function is only useful anyway on charge cards with no predefined spending limit – as it does alao show the American Express anti-fraud team that a huge charge is planned.

  • Hi. Can someone answer. My card got stolen and used, and thank goodness it was caught by fraud detention, but now we are in a financial review.

    Is this normal?

  • I am so glad you explained this. I didn’t know this wasn’t allowed. I have a friend having problems and have sent cash via PayPal with another card. Thankfully, it wasn’t on my Amex. Thank you both for the heads up.

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