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  1. Finale

    Strategy to obtain US Amex

    Congrats! The next one should be easier now :D I will be down to 3/24 next month and will grab 2 more cards from them before starting on Amex again.
  2. Finale

    ANZ Rewards Travel Adventure Card

    Received our lounge passes in the mail today. Expiry date 28 Feb 22 .
  3. Finale

    Strategy to obtain US Amex

    It looks like United Travel Bank is dead starting Jan 14. Got my 2 Airline credits early this year, hope no clawback.
  4. Finale

    Strategy to obtain US Amex

    Amex asked me a few times to update my income past 5 years. I think they just want to consider giving you a higher or lower credit limit based on the new income. I normally just ignore it. If they want to do a financial review, they will ask for documents. I updated my income twice but gave them...
  5. Finale

    Strategy to obtain US Amex

    30 days normally mean not processed yet. I think it's just that they received your fax and attached to your app waiting for someone to look. It should be approved soon but if you need the card fast, you can call.
  6. Finale

    Strategy to obtain US Amex

    I got 30 nights from 2 bonvoy cards (both Amex). Then Marriott is again giving 50% elite nights based on your status in 2020 so another 25 nights for me, 55 nights without any stay. Platinum until 2023. Everybody seems to be Platinum now. Might try for Titanium this year. 20 nights is doable.
  7. Finale

    Strategy to obtain US Amex

    Those are standard. Chase never says they accept a bank statement and at one point (even last year), they rejected it (HUCA did the trick). They seem cool with statements these days. 99% approval :D
  8. Finale

    CC churning - equifax scores

    While banks are more strict with approval these days, I think they are also desperate to get customers with a good credit. Somehow I feel it is actually easier for me than pre covid time. I'm self employed and banks don't normally give the same limit as someone who earn the same $$ but has a...
  9. Finale

    Amex Explorer Card - up to 150,000 bonus points

    Personally this is the best value for money card I have in Australia. I have been holding this card since it was released back in 2016. You will receive up to 150,000 points (120,000 + 30,000 if paying an annual fee for the second year), I will receive 60,000 points. Offer ends January 27. My...
  10. Finale

    Strategy to obtain US Amex

    The number I used was 2013283289. Did they give you application ID? You will need it when sending docs. The number you have look correct as well but I think the difference is it is Chase general fax number while the other one goes straight to verification department. At this point, no need to rush.
  11. Finale

    Strategy to obtain US Amex

    Was approved for first card on Sep 25 so a bit over 3 months. Heard after one month is ok but safer at 3 months for second card.
  12. Finale

    Strategy to obtain US Amex

    I called and was told to send it with app id to credit.operations@citi.com (email only mentioned physical mail). If you only see a mail option, you can try this or you call first and get a confirmation. Pretty much an approval I believe! :)
  13. Finale

    Strategy to obtain US Amex

    I think you just have to wait for them. My last app, it took them 3 days to request a copy of ITIN then 5 days to approve (including weekend). It is County. I guess it's kinda address verification without having to say it all since it's not part of the address and if you don't live there, you...
  14. Finale

    Strategy to obtain US Amex

    Yes those are the questions plus a card you have with another bank. I just said I have Amex and Citi and was told he could proceed with the app and then congratulations :D Last time I was asked to give last 4 digits of any card I have with Amex/Citi.
  15. Finale

    Strategy to obtain US Amex

    Applied for a second Chase card last night (IHG). Called the automated status line this morning and got 7-10 days message. Called Recon and same old issue with Google Voice but was asked some other questions to verify instead. I was put on hold quite long, over 20 mins but was approved on the...
  16. Finale

    Strategy to obtain US Amex

    I got the original SPG card that has become bonvoy (not for new app now) and the business bonvoy. Wont be able to get bonus from Chase for 2 years after getting one from Amex so I wanna get the Brilliant one next year.
  17. Finale

    Strategy to obtain US Amex

    That means it hasn't been processed yet. It should change within a couple of days. Don't worry too much. English isn't my first language and I got it done just fine even though I had a hard time with some of them lol I now have 2x Bonvoy and 1x Hilton. Planning on the Bonvoy Brilliant next...
  18. Finale

    Strategy to obtain US Amex

    What does an automated status line say? I guess maybe something similar or 30 days message. Anything but instant denial is ok for now. You applied during the weekend so might take a couple of days for them to take a look at your app. Thinking about applying as well before the promo ends.
  19. Finale

    Strategy to obtain US Amex

    Amex platinum replaced wireless and streaming credits ($20 + $20) with $30 Paypal credit from Jan - June. Transactions must be made in USD at US merchants using US Paypal account. Was hoping they extended wireless credit so I can topup my t-mobile. Time to do a bit of a research on what to...
  20. Finale

    Strategy to obtain US Amex

    I don't think ITIN would be eligible. I heard that people getting $$ now are those with SSN and also have a bank account set up with IRS and earn less than $XXX.
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