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Out of curiosity, just testing it now. I'm testing a payment of $US100. The exchange rate proposed by HSBC Global View is: 1AUD = USD 0.6457465 on Revolut, it is 0.65733 on IRESS which is my trading platform, it is 0.6591 I see IRESS as the "true" interbank rate; Revolut as pretty close to...

FWIW I think Revolut (I’m assuming Wise too) is the only one close to spot. I haven’t checked HSBC but might have a look next time. Would make life a hell of a lot easier. Going via Revolut adds more unnecessary complexity.

Thanks @_TheTraveller_ , I think I'll hang five on this "strategy" and enjoy my trip. My CSP is my main daily driver. I'd hate to lose it due to chasing more SUBs which are nice but small in the grand scheme of things.

Just logged into the Chase app - am currently in Italy, they've offered me an Ink Unlimited. I'm wondering whether I complete the SUB spend then when the points post (apparently, they're cash back but posts at UR points but has 3% FCC). Might then asking to convert the Ink Unlimited to one of...

Thanks for the heads up. They refer to the CBR as a "pay in full" card - thought that was the alternate term for a "charge" card (no preset limit is Amex's terminology). https://creditcards.chase.com/business-credit-cards/sapphire/reserve?iCELL=61FY&list=38%2C69%2C72 I can see the same "pay in...

Thank you - I'll give it some thought before applying I think. Shame I can't get the business checking account but can live with that if I can get the business CC. I'm especially keen on the non-AMEX charge card aspect as I believe aside from the CIBP, the Chase Business Reserve is a charge card...

I'm thinking of applying for a Chase business card (like one of the Inks or the Reserve (I've already had the ABP so won't get the SUB again). I recently tried to open a business checking account and it refused to let me progress as I didn't have an SSN, only an ITIN - I was welcome to go to a...

Yeah , they do look like GCs and soon will be earning not much more points either.

It’s strange. Aside from tax avoidance for smaller businesses, I do r quite get why they’d think cash is a ‘free’ payment method. There’s no such thing. You’re not paying merchant fees but what if the costs in devoting a staff member’s time to go to the bank to do the banking and the security...

I think the whole thing about giving us metal coloured cards is to make us feel ‘special’ as well as getting a higher merchant fee as suddenly that’s a ‘premium’ card. If the banks are giving us rewards funded out of interchange, then their profit margin as well as costs like bad debts, etc...

It’s one thing to ban surcharging, it’s another matter to reduce interchange to where it can’t fund reward programs which is why they’re going away.

My kids have an infrequent lemonade stall outside my house on hot Sundays. They use Square. Even that is 1.9% for Amex. If you’re charging 2.75%, you either can’t negotiate or taking the piss out of the public. I paid 3% on a US issued Visa the other night. There was no display of what the...

I think going to a branch is unfortunately the best way. I tried Sofi with my ITIN and they rejected me. Still send me promotional emails which I’ve now unsubscribed from. Applied for my CSP in branch at the same time as I opened my checking account. Got an initial letter asking for much the...

I think that was sadly a foregone conclusion. The comment period is there to provide a veneer of ‘we gave you a chance to state your case’. I don’t think we’re going to get any less than the most draconian of outcomes. The party is sadly over :(

I agree, looks like they all want us with ITIN to go into the branch. I also applied for CSP at the same time as I opened my Chase Checking account. Chase had asked for Many of the same things (via mail) like state ID that C1 asked for. They approved my CSP without further correspondence so...

If you can find saver availability.

makes sense. Guess now there is the matter of my reduced income since last income disclosure when I applied for CIP.. Does Chase have the equivalent of a FR? I'd hate to have my CSP limit reduced as a result or it taken away for predominantly AU spend.

I haven’t had any luck with C1. Was thinking of trying again next time I’m in the US but if my long term use will be in AU, the risk is too high for a shut down. I’ll leave it alone. I was looking for a charge card that’s not Amex. I know the C1 VX Business is one. Are there any others I might...

I usually use Revolut for international money transfers (say from $A to $US for Amex payments. I don’t pay directly into my Amex Account but into HSBC using its account and souring number and then do a payment from Amex funded from HSBC.

I just transfer funds into my HSBC US account via Revolut.