Strategy to obtain US Amex

[georgie23]

Update for the Chase Business Unlimited. Contacted the status line and was told I will receive a letter within 7-10 business days. Contacted Chase via phone and was told I need to complete a W9 form. Anyone done this before and any risk with this? I will then need to fax it to their number.

Edit! Just contacted backend team (someone in earlier threads said to do this). Have been provided a secure link to upload passport / ITIN / address

Similar for me - applied last night - called in this morning and they ID via app which was nice - told they can’t verify my ITIN - uploaded all documents via link - will wait.

I just called 1888-204-8630 to confirm they got the documents and they are processing them - if you can't get through to a person press 0 - 3 times - that gets me through to an operator

 

[pyusha]

I'll be calling them later today.

Agents and managers from the fraud team could not see any typical reason for the closure, except for the fact that it was because of inconsistent usage. There's no recourse/appeal available. Looks like its the end of C1 journey.

 

[velli25]

Similar for me - applied last night - called in this morning and they ID via app which was nice - told they can’t verify my ITIN - uploaded all documents via link - will wait.

I just called 1888-204-8630 to confirm they got the documents and they are processing them - if you can't get through to a person press 0 - 3 times - that gets me through to an operator

Thank you. I’ve been doing that.

The Chase application chart does say once they receive documents, wait 2-3 days rather than calling in so you don’t get asked any tough questions and get a manual approval in the background

 

[georgie23]

Agents and managers from the fraud team could not see any typical reason for the closure, except for the fact that it was because of inconsistent usage. There's no recourse/appeal available. Looks like its the end of C1 journey.

Tough - clearly seems C1 and ITIN are only a matter of time for now - maybe the business cards would be ok but you would have to think that if cheque/saving and personal are out that will happen to business too

 

[Grrr]

except for the fact that it was because of inconsistent usage

What did they define this as ?

 

[pyusha]

What did they define this as ?

nope, just that.
Supervisior did mention she didn't think there were any red flags about the transactions per se.

 

[aaa99]

So I was in the US for a work trip and thought I should start somewhere.

Sharing my experience with opening a bank account and card.

Walked in to BofA branch with 2 AU photo IDs, a US phone number and a family member's US physical address. It took about an hour, but I managed to get a basic savings account with a debit card and a secured credit card. It cost $25 to open the account and $200 to load the secured cc which I carried as cash.

I don't know what's next. But I guess it gives me a way to start building my credit score slowly...

 

[scibo10]

Tough - clearly seems C1 and ITIN are only a matter of time for now - maybe the business cards would be ok but you would have to think that if cheque/saving and personal are out that will happen to business too

I've read the Reddit posts regarding C1 closing accounts for NR ITIN holders,. Four questions were asked in those posts to those who are affected by the closures.

In order to try and see if there is a pattern for these closures, I'm wanting to pose 3 further questions to those affected:

1. Are you using a postal address that is not a CMRA. And if not, is it in the format of a residential address that includes a Suite number or is it in a plain vanilla address (eg No., Sunshine Lane, Dallas, TX, ZIP)?
2. Did you have any months where you didn't put any purchases on your C1 card(s)?
3. Are you using an expired ITIN or has your ITIN expired since being approved for a C1 card?

 

[_TheTraveller_]

Update for the Chase Business Unlimited. Contacted the status line and was told I will receive a letter within 7-10 business days. Contacted Chase via phone and was told I need to complete a W9 form. Anyone done this before and any risk with this? I will then need to fax it to their number.

Edit! Just contacted backend team (someone in earlier threads said to do this). Have been provided a secure link to upload passport / ITIN / address

I would give them a call back Wednesday this week if you haven't heard anything.

Tough - clearly seems C1 and ITIN are only a matter of time for now - maybe the business cards would be ok but you would have to think that if cheque/saving and personal are out that will happen to business too

What did they define this as ?

They define it as whatever they want and that is always the risk with C1. They're so algo centric that we don't know what's happening behind the scenes. They're not obligated to tell us anything so we'll never know.

I've read the Reddit posts regarding C1 closing accounts for NR ITIN holders,. Four questions were asked in those posts to those who are affected by the closures.

IN order to try and see if there is a pattern for these closures, I'm wanting to pose 3 further questions to those affected:

1. Are you using a postal address that is not a CMRA. And if not, is it in the format of a residential address that includes a Suite number or is it in a plain vanilla address (eg No., Sunshine Lane, Dallas, TX, ZIP)?
2. Did you have any months where you didn't put any purchases on your C1 card(s)?
3. Are you using an expired ITIN or has your ITIN expired since being approved for a C1 card?

Yeah I've read them.
1. Not CMRA with suite
2. I had 2 cards and always had spend on one of them. USD spend as well as foreign spend
3. Not expired.

My point with C1 is you either smash and grab the points. Or prepared to get randomly shut down by C1 without notice. The frustrating thing about this is that there wasn't any real warning (beyond the ITIN subreddit mentioning it) and there is no remediation. It's C1 determining whether you're too high risk for them and if you are, you're gone.

So I was in the US for a work trip and thought I should start somewhere.

Sharing my experience with opening a bank account and card.

Walked in to BofA branch with 2 AU photo IDs, a US phone number and a family member's US physical address. It took about an hour, but I managed to get a basic savings account with a debit card and a secured credit card. It cost $25 to open the account and $200 to load the secured cc which I carried as cash.

I don't know what's next. But I guess it gives me a way to start building my credit score slowly...

If you don't mind me asking, where (City?) did you open your BoA account?