Introduction
I remember the year that I started going hardcore collecting miles and points for travel, people spoke in fear of the term “Amex FR” (Financial Review) and how it could lead to slashed credit lines or even worse, complete shutdown. I was scared, and treaded very carefully with my large portfolio of Amex cards, never having huge spikes in spending, never cycling, etc. As I learned more about this dreaded Amex FR, I discovered that slashed credit lines and shutdowns had a lot to do with your reported income on your application.*