Strategy to obtain US Amex

[blacksultan]

When I did it - I recall in 2019, when I opened my checking account, I told them I'd like a CC too. I got sent a prefilled application form from my RM (I haven't had one since the sale of the retail customer base) through Adobe and then received it delivered in AU a few weeks later. I suspect it's gotten more difficult since then. I have the Premier CC - was "free" at the time though not anymore. I made my elderly mother a supp and she uses it for supermarket shopping since it's 3x in AU.

Can ask for annual fee to be waived as a points redemption . And they will gift you the points if you don’t have any or enough !

 

[nthd_nthd]

Australian international banking center to see if they could initiate an application on the Australian side. They said they only help with bank accounts and I’d need to fly to the U.S. and apply at a branch in person for a credit card

Customer Service tends to give out wrong answer as they are not even sure themselve.

No you do not need to fly to US to apply.

If rejected, call HSBC U.S on premier line told them you are Premier Customer and trying to apply CC but got rejected because the System do not recognise your premier status from Australia. They may ask if you are calling from U.S - Always say Yes. They will send you to some verification dept. to process the application.

Best of Luck.

 

[nthd_nthd]

Trying to get rid of this error but unable to while applying via NLL link in Incognito mode. Anyone encountered and got a work around please?

 

[sudoer]

Anyone encountered and got a work around please?

Try a VPN

 

[N0mad]

They may ask if you are calling from U.S - Always say Yes.

i've never once said i'm in the US and has never been an issue for me. What is the concern by being in Australia when calling?

 

[blacksultan]

i've never once said i'm in the US and has never been an issue for me. What is the concern by being in Australia when calling?

Certain services can be requested only if you are present in the US . Makes a difference .

 

[N0mad]

Certain services can be requested only if you are present in the US . Makes a difference .

i'd be interested to know which though, applying for a US credit card is not one of them though unless it's changed in the last 6 months.

 

[blacksultan]

i'd be interested to know which though, applying for a US credit card is not one of them though unless it's changed in the last 6 months.

I know it is for applying for a savings account .
Received only yesterday letter dated 16 jan from chase asking me to contact them regarding suspicious transaction on a card . Which I didn’t receive in time so they closed my cards .

One of the pitfalls of having an Australian mailing address !

 

[N0mad]

I know it is for applying for a savings account .
Received only yesterday letter dated 16 jan from chase asking me to contact them regarding suspicious transaction on a card . Which I didn’t receive in time so they closed my cards .

One of the pitfalls of having an Australian mailing address !

ohhh we were actually talking about HSBC when you quoted me, but completely agree with your comments re Chase in that case

 

[albyd]

One of the pitfalls of having an Australian mailing address !

Hi @Blackswan just checking I’ve understood you correctly: you’ve used you AU mailing address with Chase?

 

[lunne]

I tried to add my newly issued ITIN to my Hilton Amex account, but all three agents I spoke to said it’s only possible when applying for a new card.

Can someone please let me know how you went about adding your ITIN to Amex for credit reporting purposes?

 

[blacksultan]

Hi @Blackswan just checking I’ve understood you correctly: you’ve used you AU mailing address with Chase?

Yes

I tried to add my newly issued ITIN to my Hilton Amex account, but all three agents I spoke to said it’s only possible when applying for a new card.

Can someone please let me know how you went about adding your ITIN to Amex for credit reporting purposes?

That’s right . Can only add during application

ohhh we were actually talking about HSBC when you quoted me, but completely agree with your comments re Chase in that case

I was speaking about hsbc as well . Comments got merged into one post .

 

[Triben]

I tried to add my newly issued ITIN to my Hilton Amex account, but all three agents I spoke to said it’s only possible when applying for a new card.

Can someone please let me know how you went about adding your ITIN to Amex for credit reporting purposes?

I’m no the same boat, try to update my ITIN into AMEX I have contacted AMEX today and they provide me with link but unable to update.
I have contacted them again via chat and ask me to contact them and provide me with the number.

 

[DAC1]

You cannot retrospectively add an ITIN but it will eventually be linked to your credit file. The credit reporting agencies link together reports through a variety of identifiers (ie name, address, DOB and not just ITIN).

 

[desafinado74]

Hello guys,
To those of you who have bank accounts with Chase, BofA, Wells Fargo etc, are you allowed to have both a residential and mailing address?
I currently have two different US addresses, one from Anytime Mailbox and one from US Globalmail. I am keeping both at the moment, as the US Globalmail has better customer service (But the address is listed as CRMA sadly) While the Anytime address is not listed as CRMA. (But they are very slow when it comes to mail forwarding and never replies to emails)
I am also planning to open some bank accounts when i visit the US next month.

 

[DAC1]

Hello guys,
To those of you who have bank accounts with Chase, BofA, Wells Fargo etc, are you allowed to have both a residential and mailing address?
I currently have two different US addresses, one from Anytime Mailbox and one from US Globalmail. I am keeping both at the moment, as the US Globalmail has better customer service (But the address is listed as CRMA sadly) While the Anytime address is not listed as CRMA. (But they are very slow when it comes to mail forwarding and never replies to emails)
I am also planning to open some bank accounts when i visit the US next month.

I can’t speak for the others but for BofA, the answer is effectively no.

Your ‘residential’ address will need to be your Australian address. Your ‘mailing’ address will need to be a proper US address.

You could try the Anytime address but if it’s status as a CMRA changes, it could cause issues and an account shutdown. That might not be the end of the world though as long as you have a back up option and as long as you’re not keeping too much in the account.

PNC and SoFi on the other hand allow both a US residential and a US mailing address and they both have me on file as a NRA.

 

[diamondhands]

Customer Service tends to give out wrong answer as they are not even sure themselve.

No you do not need to fly to US to apply.

If rejected, call HSBC U.S on premier line told them you are Premier Customer and trying to apply CC but got rejected because the System do not recognise your premier status from Australia. They may ask if you are calling from U.S - Always say Yes. They will send you to some verification dept. to process the application.

Best of Luck.

Well after about an hour and a half on the phone tonight I’ve managed to have the application reopened with them running an international credit check over the course of today US time. It took a lot of persuasion to get it reopened.

 

[blacksultan]

Tried to get a reinstatement of my chase card yesterday . Was informed I need to wait 30 days from my last attempt .
Also they would check my credit file .
Does anyone know if they will check business cards with Amex ?
I have paid off all balances except a balance at promo rate with Amex biz .
Any ideas ?

 

[desafinado74]

I can’t speak for the others but for BofA, the answer is effectively no.

Your ‘residential’ address will need to be your Australian address. Your ‘mailing’ address will need to be a proper US address.

You could try the Anytime address but if it’s status as a CMRA changes, it could cause issues and an account shutdown. That might not be the end of the world though as long as you have a back up option and as long as you’re not keeping too much in the account.

PNC and SoFi on the other hand allow both a US residential and a US mailing address and they both have me on file as a NRA.

Many thanks for the detailed reply ! I am surprised that BofA requires the residential address to be a foreign one.
How do you find BofA in general ? Do you have any issues logging in from Australia ? And what sort of documents did you provide for proof of address and ID verification when you opened the checking account?

 

[nthd_nthd]

Tried to get a reinstatement of my chase card yesterday . Was informed I need to wait 30 days from my last attempt .
Also they would check my credit file .
Does anyone know if they will check business cards with Amex ?
I have paid off all balances except a balance at promo rate with Amex biz .
Any ideas ?

From all the DP online and U.S forum, personal credit report is for all your Personal Cards, Business Accounts are irrelevant. So most of them spend more on Business cards and do not really care if the Spending is way over 10-15%. However, on Personal cards, the spending should be kept to around 10% only.
My own experience, there was Xmas, travelling and my spending on 1 card over 20% and my score was down a little.