Strategy to obtain US Amex

[Grrr]

Surely the truth - I only recently "moved" to the US

But this should be clear to them from the ITIN and its age - so I’m confused as to the purpose of their questioning (and why they have shutdown the accounts to start with)

 

[georgie23]

But this should be clear to them from the ITIN and its age - so I’m confused as to the purpose of their questioning (and why they have shutdown the accounts to start with)

my limited experience is nothing is clear to anyone
Customer reps probably have no idea why/may not know what ITIN is - with compliance - it just seems so much easier something was triggered - SD account and make the person reapply if they want to. They want zero risk from their POV

 

[blacksultan]

What was your answer to this ?

I don’t get why Chase/Cap1 are so skittish about account holders who are paying their balances appropriately

I replied that was coz that was when I first ‘moved ‘ to the US and I had a longer credit history in another country .

 

[DAC1]

I replied that was coz that was when I first ‘moved ‘ to the US and I had a longer credit history in another country .

Did you have a Chase checking account?

 

[Tiki]

Thanks . Im going to do that asap .
Do I need to pay annual fee ?
Do you know if I will get sign up bonus points if minimum spend has been met ?

Normal spend . Approx $5 k in first month on 9 k limit biz card .
$1.2 k on personal with $9 k limit im first month .

Holy sh......! That's actually very reasonable spend. And if you have been paying it off on time I see no reason why they should do that. I have only heard of Chase shut downs when people are obvioudsly doing MS, not sure if buying groups count as this. I hope you get it sorted.

 

[Franko Costa]

All my chase cards got closed last night for no reason .
Trying to get them reinstated .

I've had this happen twice to me

 

[Ko0l]

Has anyone successfully been able get an Experian credit report through Myfico with an ITIN?

Myfico failed to retrieve my Experian report due to missing SSN. I responded telling them I have an ITIN and no SSN so there is nothing to update. But wondering if I should pursue further with experian.

 

[_TheTraveller_]

I replied that was coz that was when I first ‘moved ‘ to the US and I had a longer credit history in another country .

Actually, I'm curious now. They're clearly looking at your credit report. Did you apply for any other cards during that time? And how many were approved?

 

[Franko Costa]

Actually, I'm curious now. They're clearly looking at your credit report. Did you apply for any other cards during that time?

I think this is the issue. It was using Google pay overseas that sparked it and then they didn't like the number of recent credit cards

 

[_TheTraveller_]

I think this is the issue. It was using Google pay overseas that sparked it and then they didn't like the number of recent credit cards

That's strange. Do you mean Google Pay via the browser or phone? I don't think I've ever had an issue with Google pay where it triggers a fraud/financial review. I did have an interesting issue where tapping on/off in Sydney caused a fraud block via Chase but I think they just released it rather than saying it was fraud related?

 

[blacksultan]

Actually, I'm curious now. They're clearly looking at your credit report. Did you apply for any other cards during that time? And how many were approved?

No I did not apply for any other cards during that time . Not even for weeks before

I've had this happen twice to me

Did you manage to get it reinstated ? Any tips ?
Actually I had this happen to me as well im 2024 . Manager to get them reinstated a week later .

 

[DC3]

I’ve had no success in obtaining a Chase credit card. Their fraud algorithm can be a nightmare. I decided to move on after several failed attempts.

 

[_TheTraveller_]

No I did not apply for any other cards during that time . Not even for weeks before

Did you manage to get it reinstated ? Any tips ?
Actually I had this happen to me as well im 2024 . Manager to get them reinstated a week later .

If that's the case then yeah I can't see anything out of the ordinary besides velocity. That would have been 2 cards B2B. Usually I don't do more than 1 Chase card (regardless of personal/biz) every 3-4 months.

Perhaps one of your merchants triggered something but hard to say.

 

[DC3]

I called them . One of the question was why do I have a credit history only from 2020 when I am in my late 40 ‘s .
Also reason for 3 new chase cards last few months .
Asked me to call in 30 days time .

That’s a poor response from Chase. It doesn’t make sense.

 

[Grrr]

I did have an interesting issue where tapping on/off in Sydney caused a fraud block via Chase

Wow - that’s crazy

 

[http_x92]

Okay, starting my Chase journey with the Hyatt Card. Paid off some Australian bills to start off with. Went through okay.

Will be cautious and not use Google/Apple pay in the first few months.

 

[Franko Costa]

No I did not apply for any other cards during that time . Not even for weeks before

Did you manage to get it reinstated ? Any tips ?
Actually I had this happen to me as well im 2024 . Manager to get them reinstated a week later .

Pay off card asap. Don't apply for anymore cards. Have a good story about what the business does. Talk about how it's been moving to the US and trying to "prove" credit history (really hit on this hard)

Okay, starting my Chase journey with the Hyatt Card. Paid off some Australian bills to start off with. Went through okay.

Will be cautious and not use Google/Apple pay in the first few months.

For chase with fraud, I've found that I made payments only by 11am because if they were declined then the fraud team was open still (if they are closed, then they might look at it without any explanation and close them)