Recent content by Finale

  1. Finale

    Strategy to obtain US Amex

    That is 0.625 per $1 AUD spend. AU-US MR transfer you quoted at 0.6 - 0.65 is per 1 MR point which you get 2.25 when spending $1AUD on Platinum. It's more than double if you do AU-US transfer. The article says 90,000 MR points convert to 25000 Aeroplan but if you transfer from AU to US now...
  2. Finale

    Strategy to obtain US Amex

    Didn't happen to me but to P2 2 times. Both times Amex just needed some more info. First time, they wanted to do address verification. Second time Amex just wanted a confirmation that P2 applied.
  3. Finale

    Strategy to obtain US Amex

    It has been this way for quite a long time now when doing GT. I think you can't even do GT with some promos. P2 just got ITIN using Sh studio on Fiverr. You can get 10% off using a referral code or a promo code. Paid about $251 after the discount. Started the process on Feb 10 and got it...
  4. Finale

    Strategy to obtain US Amex

    You can add multiple email accounts to one Play store and they can be from different countries. You just need to switch the account in the store. I have some 5 accounts there from 3 different countries.
  5. Finale

    Strategy to obtain US Amex

    I used one phone with gmail/google accounts from 3 different countries. It's Android though, not sure if Iphone is different. I couldn't add cap1 card to Google Wallet though until I called them. Then after I changed the phone, it wouldn't work again and I couldn't be bothered.
  6. Finale

    Strategy to obtain US Amex

    I was asked once in 2020 and when I asked about the secure upload, I was told such a thing didn't exist lol I even told them I used it on my previous app but they wouldn't budge. Anyway I just used Faxzero.com and it went though fine.
  7. Finale

    Strategy to obtain US Amex

    I have the same issue. After I called, they could fix it manually and approved. They had to read IRS disclaimer. Happened on my last 3 applications. It might have something to do with the bureaus they pull and your ITIN is not in the credit file. I'm not sure if Ex and TU list ITIN in the file...
  8. Finale

    Strategy to obtain US Amex

    You want to upgrade the current card to Aspire or apply for Aspire? If you want to upgrade, it is not possible as the credit card act prevents banks from increasing the personal card fee in the first 12 months (business cards are fine). If you want to apply and is impatient, at least wait full...
  9. Finale

    Strategy to obtain US Amex

    You need ITIN to do Nova which is different from GT. GT might be easier too as they use your history with AU amex.
  10. Finale

    Strategy to obtain US Amex

    My ITIN has AU address on it. You don't need ITIN to do GT and I don't recommend using ITIN on your first card with Amex. Just make sure you have some decent time with AU Amex ie 6+ months. Some people got approved after less than 3 months but I believe the longer, the better/easier.
  11. Finale

    Strategy to obtain US Amex

    I'm not sure if there is a business version of Bevy but even the personal version is cough unless you just want SUB and cancel. I would go for a basic business card. I only consider upgrading my basic to Bevy so I can get SUB from Chase. When you apply using ITIN and don't get an automatic...
  12. Finale

    Strategy to obtain US Amex

    Back then it would be Premier Rewards Gold? I had that card in 2016. Cancelled in 2018. Last year the new Gold card terms also said no bonus if you had Premier gold but I heard a few people getting it so I tried my luck and got the bonus for the new Gold card. Since it was a long time ago, you...
  13. Finale

    Strategy to obtain US Amex

    I got $50 aspire flight credit from paying Qantas award taxes. The transactions were showing flight details.
  14. Finale

    Strategy to obtain US Amex

    Disclaimer: I'm not an accountant and the info was from my previous research so I cannot guarantee it is 100% correct. You can get ITIN by going to IRS taxpayer assistance center in person for free. However, you cannot use the bank bonus you earned this year as it's for next year's filing. If...
  15. Finale

    Strategy to obtain US Amex

    It happened to me a few times. I had Apt # on the first line, Amex didn't include it once or twice. Then I changed it to the line 2 and one time it was missing. It was fine most of the time though. I spoke to them and and they did the fix by adding Apt # on both lines lol
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