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  Update for Everyone II - Less Boring, More Whoring
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Author Topic: Update for Everyone II - Less Boring, More Whoring  (Read 99250 times)
Good Grumps With A Gun
GM3PRP
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« Reply #850 on: May 08, 2014, 05:09:26 am »

Today, American Express called me to tell me I was under financial review and requested to see my income tax returns from the last 2 years. The rep explained that they wanted to make sure I could "support my spending." I explained to them that I was a law student and made very little income, but I received income from a trust fund and my parents and have for the last 3 years. She told me they only would consider my earned income and said in worst cases, they would SHUT DOWN the account.

I've had this card since I was in high school. I've never heard of a credit card company asking for stuff like this. I have never missed a payment nor did I run a balance on the card. I am going to send them my tax info along with my bank account and trust statements, but this is just bizarre. If they only look at my income tax returns where I made like $8K last year, they'll definitely close my account. Part of me wants to just tell them thanks but no thanks and take my business elsewhere.

This sounds like a scam.  Call AMEX to verify.
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ZuWo
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« Reply #851 on: May 08, 2014, 10:07:48 am »

I had laser eye surgery today. It cost me about $7000, which is quite a lot of money for me but the results are absolutely amazing - I already had (near) perfect sight three hours after the surgery. I can only recommend such a procedure if you can afford it and there's a high chance that it will have a desirable effect on your eyes. The risks are extremely low nowadays.
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Beet
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« Reply #852 on: May 08, 2014, 10:16:54 am »

I had laser eye surgery today. It cost me about $7000, which is quite a lot of money for me but the results are absolutely amazing - I already had (near) perfect sight three hours after the surgery. I can only recommend such a procedure if you can afford it and there's a high chance that it will have a desirable effect on your eyes. The risks are extremely low nowadays.

I would consider it but I have an unstable prescription. I'm afraid of getting the surgery only to have my eyesight deteriorate again in 5-10 years.
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Fmr. Pres. Duke
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« Reply #853 on: May 08, 2014, 12:36:25 pm »

Today, American Express called me to tell me I was under financial review and requested to see my income tax returns from the last 2 years. The rep explained that they wanted to make sure I could "support my spending." I explained to them that I was a law student and made very little income, but I received income from a trust fund and my parents and have for the last 3 years. She told me they only would consider my earned income and said in worst cases, they would SHUT DOWN the account.

I've had this card since I was in high school. I've never heard of a credit card company asking for stuff like this. I have never missed a payment nor did I run a balance on the card. I am going to send them my tax info along with my bank account and trust statements, but this is just bizarre. If they only look at my income tax returns where I made like $8K last year, they'll definitely close my account. Part of me wants to just tell them thanks but no thanks and take my business elsewhere.

This sounds like a scam.  Call AMEX to verify.

It was them. I called their main office because my card was suspended from charging, and they transferred me to their review department. The woman said she didn't care about my trust or the fact that my parents were paying my bills while I was in law school; she said she needed to see my personal income...

I am going to send them my return release and I was honest about my current situation in that I worked for a wage last summer but worked pro bono the summer before. If they want to close my card, so be it. I've heard Chase has some good benefits with their cards. I've just never heard of a card company doing something like that to someone who hasn't missed any payments.
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Good Grumps With A Gun
GM3PRP
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« Reply #854 on: May 08, 2014, 12:41:08 pm »

Today, American Express called me to tell me I was under financial review and requested to see my income tax returns from the last 2 years. The rep explained that they wanted to make sure I could "support my spending." I explained to them that I was a law student and made very little income, but I received income from a trust fund and my parents and have for the last 3 years. She told me they only would consider my earned income and said in worst cases, they would SHUT DOWN the account.

I've had this card since I was in high school. I've never heard of a credit card company asking for stuff like this. I have never missed a payment nor did I run a balance on the card. I am going to send them my tax info along with my bank account and trust statements, but this is just bizarre. If they only look at my income tax returns where I made like $8K last year, they'll definitely close my account. Part of me wants to just tell them thanks but no thanks and take my business elsewhere.

This sounds like a scam.  Call AMEX to verify.

It was them. I called their main office because my card was suspended from charging, and they transferred me to their review department. The woman said she didn't care about my trust or the fact that my parents were paying my bills while I was in law school; she said she needed to see my personal income...

I am going to send them my return release and I was honest about my current situation in that I worked for a wage last summer but worked pro bono the summer before. If they want to close my card, so be it. I've heard Chase has some good benefits with their cards. I've just never heard of a card company doing something like that to someone who hasn't missed any payments.

When you're a rich mob lawyer I'd tell AMEX to go f[inks] themselves before ever getting one again.
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Fmr. Pres. Duke
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« Reply #855 on: May 08, 2014, 12:46:08 pm »

Today, American Express called me to tell me I was under financial review and requested to see my income tax returns from the last 2 years. The rep explained that they wanted to make sure I could "support my spending." I explained to them that I was a law student and made very little income, but I received income from a trust fund and my parents and have for the last 3 years. She told me they only would consider my earned income and said in worst cases, they would SHUT DOWN the account.

I've had this card since I was in high school. I've never heard of a credit card company asking for stuff like this. I have never missed a payment nor did I run a balance on the card. I am going to send them my tax info along with my bank account and trust statements, but this is just bizarre. If they only look at my income tax returns where I made like $8K last year, they'll definitely close my account. Part of me wants to just tell them thanks but no thanks and take my business elsewhere.

This sounds like a scam.  Call AMEX to verify.

It was them. I called their main office because my card was suspended from charging, and they transferred me to their review department. The woman said she didn't care about my trust or the fact that my parents were paying my bills while I was in law school; she said she needed to see my personal income...

I am going to send them my return release and I was honest about my current situation in that I worked for a wage last summer but worked pro bono the summer before. If they want to close my card, so be it. I've heard Chase has some good benefits with their cards. I've just never heard of a card company doing something like that to someone who hasn't missed any payments.

When you're a rich mob lawyer I'd tell AMEX to go f[inks] themselves before ever getting one again.

That was my parents reaction exactly... My mom said she'd "deal with them" when she had time.

But from all I've read, I can't avoid this unless I close my card. So I either do it myself or they close it worst case. The woman told me they typically do this to see if they extended too much credit...I claimed I made something like $20K income factoring in my trust withdrawals per semester on the form and my CL is only $3K a month, so I have no clue why they are coming after me.

They can see my returns for all I care. I told them they'd find very little on them. I should send them a copy of my trust fund too with a picture of my middle finger. 
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ZuWo
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« Reply #856 on: May 08, 2014, 01:31:18 pm »

I had laser eye surgery today. It cost me about $7000, which is quite a lot of money for me but the results are absolutely amazing - I already had (near) perfect sight three hours after the surgery. I can only recommend such a procedure if you can afford it and there's a high chance that it will have a desirable effect on your eyes. The risks are extremely low nowadays.

I would consider it but I have an unstable prescription. I'm afraid of getting the surgery only to have my eyesight deteriorate again in 5-10 years.

I have been told that it's not a good idea to get eye laser surgery if you have an unstable prescription precisely because of the risk you mentioned, yeah. Indeed, from what I have read, most responsible surgeons will not do such a surgery if your prescription hasn't been stable for at least a few years.
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AverroŽs
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« Reply #857 on: May 08, 2014, 07:07:21 pm »

I had laser eye surgery today. It cost me about $7000, which is quite a lot of money for me but the results are absolutely amazing - I already had (near) perfect sight three hours after the surgery. I can only recommend such a procedure if you can afford it and there's a high chance that it will have a desirable effect on your eyes. The risks are extremely low nowadays.

I would consider it but I have an unstable prescription. I'm afraid of getting the surgery only to have my eyesight deteriorate again in 5-10 years.

I have been told that it's not a good idea to get eye laser surgery if you have an unstable prescription precisely because of the risk you mentioned, yeah. Indeed, from what I have read, most responsible surgeons will not do such a surgery if your prescription hasn't been stable for at least a few years.

That's what my optometrist told me when I asked about it. My eyesight was changing as of my last check-up, but I want to look into surgery in a few years once I've paid off my student loans.  In any case, I'm glad to hear that it worked so well for you. It seems like an amazing quality of life improvement.
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Mayor Steve Pearce
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« Reply #858 on: May 09, 2014, 12:12:14 am »

I'm 20 now.
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ZuWo
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« Reply #859 on: May 09, 2014, 12:45:59 am »

I had laser eye surgery today. It cost me about $7000, which is quite a lot of money for me but the results are absolutely amazing - I already had (near) perfect sight three hours after the surgery. I can only recommend such a procedure if you can afford it and there's a high chance that it will have a desirable effect on your eyes. The risks are extremely low nowadays.

I would consider it but I have an unstable prescription. I'm afraid of getting the surgery only to have my eyesight deteriorate again in 5-10 years.

I have been told that it's not a good idea to get eye laser surgery if you have an unstable prescription precisely because of the risk you mentioned, yeah. Indeed, from what I have read, most responsible surgeons will not do such a surgery if your prescription hasn't been stable for at least a few years.

That's what my optometrist told me when I asked about it. My eyesight was changing as of my last check-up, but I want to look into surgery in a few years once I've paid off my student loans.  In any case, I'm glad to hear that it worked so well for you. It seems like an amazing quality of life improvement.

Thanks.

It's not that wearing glasses is horrible, of course, but as you say living without glasses or contacts is generally more comfortable. Also, the high costs are the only really unpleasant aspect about laser eye surgery. All in all, the entire laser procedure itself only takes a few minutes and is painless.
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National Progressive
General Mung Beans
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« Reply #860 on: May 09, 2014, 02:14:43 am »
« Edited: May 09, 2014, 02:16:40 am by National Progressive »

Ma vie est merde
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Fmr. Pres. Duke
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« Reply #861 on: May 09, 2014, 03:33:38 pm »

I ended up submitting the form and a printout of my trust so AMEX can look at my tax returns and evaluate my "ability to pay my bills." I don't want to lose that line of credit, and I definitely will lose it if I refuse to comply. I think it's ridiculous they are asking for it, but apparently this "procedure" isn't all that uncommon. And it is real given my card is suspended and calling the main AMEX number also transferred me to this.

I did open a Chase Sapphire Preferred card in case AMEX decides I'm not worth it anymore.
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Lief 🐋
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« Reply #862 on: May 09, 2014, 09:53:51 pm »

I have the flu or a stomach virus or something and its the middle of finals wtf
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Fmr. Pres. Duke
AHDuke99
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« Reply #863 on: May 09, 2014, 10:03:36 pm »

I have the flu or a stomach virus or something and its the middle of finals wtf

I had food poisoning the night before my civil procedure exam 1L year. I didn't sleep that night.
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Mayor Steve Pearce
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« Reply #864 on: May 10, 2014, 01:07:27 am »

Just got back home. Lancaster is cool and all but you can't beat my house.
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Sol
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« Reply #865 on: May 10, 2014, 09:18:05 am »

Ma vie est merde

Sad
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True Federalist
Ernest
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« Reply #866 on: May 10, 2014, 09:04:54 pm »

Well, I had an interesting evening.  I thought I was going to go give someone who was a little down in the dumps an ear to chew on in the figurative sense.  It turned into an actual date with another one set for Wednesday.  I'm gabberflasted as I'd considered it as a possible outcome, but I honestly thought I was deluding myself.
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Nhoj
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« Reply #867 on: May 10, 2014, 09:16:35 pm »

I had a brake line go on my car, which is a rather common problem for me thanks to rusty old cars.
On the other hand I got some beer back that I left at someones house on Christmas and they still had for some reason. Smiley
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Fmr. Pres. Duke
AHDuke99
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« Reply #868 on: May 11, 2014, 12:33:06 am »

I graduate law school tomorrow. Feels weird, man. Feels weird.
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Flake
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« Reply #869 on: May 11, 2014, 12:34:20 am »

I graduate law school tomorrow. Feels weird, man. Feels weird.

Congratulations Smiley
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Cath
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« Reply #870 on: May 11, 2014, 06:44:09 pm »

Graduation was yesterday. Attended with a few actives that weren't graduating. Seven of our guys graduated. Hung out at the House afterwards. Talked to an alum about the possibility of renting at his current residence whenever I get outta here in like four years. Woke up on a first floor couch at 6:33 today, saw the sun rise, and thought it was the sunset, wondering why the place was dead. My big brother's leaving us as an alum, so I gave him one of my drunken ramblings about somethinorother.

Called my superintendent about a half hour ago, looks like I'm working at the same site tomorrow. At home right now for Mother's Day and to do laundry, will probably depart soon enough. I face the possibility of working 60 hours a week, which will likely kill me soon enough, but we'll see. My first paycheck should arrive the upcoming Friday. made $336 in three days of working, so that's good. If I work appropriate hours Monday through Wednesday, that should have me solid for overtime.

Worried about work since the prom I'm going to was scheduled on a Tuesday. This is reminding me that I should probably contact my superintendent again to say that I won't be able to work Saturdays for a few weeks since there's a service project I have to complete so as to change my "Incomplete" in Religion to a theoretical "A". That would also give me an opportunity to state that I have a social engagement on the 20th and 21st. Not sure if it'll work, but I might as well try. Since I'll probably have to drive back to Detroit from the prom, I won't be drinking much. Most possibly is a flask and a six pack, but it'll depend on work and all that sh#t.
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« Reply #871 on: May 11, 2014, 07:51:41 pm »

I got my prom tux rented. It's a typical tuxedo (extra small, which shocked me a little bit even though I'm 6'2 and 125 pounds) with a silver vest. I wanted a plain black and white tuxedo, but the lady at Men's Warehouse and my mom were really pushing for it, and since my mom was paying for the rental, I felt obliged to go along with it. In hindsight I wish I got a dark blue vest. Also has a silver tie, which I'm not too fond of.
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Lief 🐋
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« Reply #872 on: May 11, 2014, 07:53:59 pm »

You've learned an important lesson today, Sanchez, a lesson that every man around your age learns for the first time: never allow women to have any input into your semi-formal attire.
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Badger
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« Reply #873 on: May 12, 2014, 12:33:47 pm »

I graduate law school tomorrow. Feels weird, man. Feels weird.

I've said it many times. My worst day as a lawyer was better than my best day as a law student.
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Хahar 🤔
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« Reply #874 on: May 12, 2014, 12:40:41 pm »

I'm 6'2 and 125 pounds

what
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