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本帖最后由 zhouyuwei128 于 2015-9-11 08:07 编辑
本人前面一个帖子(点下面链接)介绍了被FR以后,被要美国本土收入证明资料的帖子。目测过FR的希望渺茫。
http://www.moonbbs.com/thread-1120710-1-1.html
现在新开一个帖子,需要麻烦大家集思广益,怎么转分和关卡以免被误伤自己的Credit score. 毕竟还有其他行的卡在。
目前手头有SPG, delta, PRG, Plat.
- SPG和Delta的分都是很快到账到酒店和航空公司了,没啥需要转的,可以立刻关
- PRG和plat的MR点因为怕,所以把分转出到航空公司了,可以操作,但分还需要飞几天能到账。
现在纠结如何关卡。考古帖子说在FR做出决定关你的account之前,最好你自己主动把卡cancel了,显示"card closed per user request", 而不是AMEX主动关你的卡,这样会对信用分影响降到最低。
就于目前我还是想尝试和FR team撕逼一把,尽量提供资料,什么结果皆有可能。那我是否应该:
1. 把最想要的SPG卡暂时保留,CL$6000. 先吧Delta, PRG, Plat主动关了尽少影响信用分,这样做也给AMEX展示我可以把它们的风险降到最低。
2. 尽可能提供给FR team有关自己国内的银行流水,英文版收入证明,以及美国的checking bank statement,证明收入
3. 在deadline之前电话FR team,看看FR能不能过
4. 如果FR的人说能过,那就皆大欢喜,看看能不能reinstate那些关的卡。 如果FR人说没戏,那就主动关最后的SPG卡,当然是FR决定出来之前关。
5. 关所有卡以后1-2周,尝试电话客服或者FR的人,看看能不能reinstate卡,那时候FR的lock应该会没有了(考古贴别人说的)
以上流程只是本人综合寻找信息作出的判断,不一定准确,所以希望集思广益,在把信用分的影响降到最低的前提下, 尽可能的保留amex的account,那怕一张卡也好,毕竟美国租车需求蛮多的,我没有美卡的时候每天租车交保险起码30-40美元一天了。
有人会说别死盯着AMEX,试试其他家,我也理解,但是需要时间来养和办理。
眼前是求过AMEX的FR,是最大的期望;万一没过,那就得要有没过的打算和操作。
谢谢大家!
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考古多一些资料,分享给大家,bank主动close你的account不会对你的分数造成影响,但是只是一处资料显示,需要多方验证!
Some people won't comply with the review request and instead of waiting for American Express to close their cards they proactively close their accounts themselves. Their goal is to avoid the accounts being reported to credit bureaus as “closed by issuer”
Most of the time that decision is based on a misperception that ‘closed by issuer’ hurts their credit score. It does not. Having an account closed by issuer does not hurt your FICO score. But it still doesn’t look good to anyone manually examining the report since they may assume the account was closed due to a problem or concern and they’re likely to have a concern themselves until they understand it better. (Relatively few requests for credit involve such a manual examination.)
If a bank closes your card because you are delinquent on payments or in default on the card that’ll hurt your credit score — though there it’s the delinquency or default, not the closure, that hurts your score.
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