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Has anyone successfully done either a credit builder loan or a secured credit card to improve their score while waiting out the 12+ months until Chase is available ?

Looks like you need an existing Amex card ? I was hoping for something for P2 to use to get Au points across before closing her Au platinum...

It is frustrating that there is no longer a fee free US Amex option that accrues MR…

yes I’ve learnt the hard way… The first time it was actually iBKR’s fault - funds showed as available for withdraw before T+3 (they normally show as unavailable), so I thought they must have processed it super quickly This most recent time was my fault - I misread my balance as it shows a...

Really ?? On what grounds ?

Thanks, much appreciated

Does anyone know if a return payment charge (ie Amex unable to process a direct debit so they try again in a day but charge you $29 for the failed payment) would affect a subsequent GT ? I’ve had 2 failed direct debits (but they were processed the following day) due to mis reading of iBKR’s...

Yeah I started with the online chat who basically parroted the website, and referred me to the call centre or email. I also wanted a response in writing, so I emailed; the response wasn't very specific (despite my questions being quite specific !) However they did say: To my reading, it...

Thanks; so did you book the Europe stuff on a different card ? Was Amex/Chubb ok to cover that portion regardless ?

So I booked Syd-KL return flights and then KL-Europe flights on a different airline/ticket. Looking back through my records (flights booked ages ago), it appears I used my wife's new-at-the-time Amex to book the Syd-KL return flights in order to hit a sign up bonus, and my Amex for the...

23k aud, so around 15k usd I have only had my green card for 3-4 months, so don’t have the history yet I suspect. The biggest charge I have so far placed was around USD 4600, and that triggered a ‘pay down 2600 please’ email…

I did the 'Check spending power' on my green card, and it said they wouldn't currently approve a $15k charge. If I was to transfer $15k in first, then make the charge, would this work at all ? Or am I just setting myself up for a world of FR pain ? Was thinking about purchasing business class...

I thought Amex stopped showing you fico unless you had an SSN ? I guess I was looking at it from the view of someone who wouldn’t really use Hilton points, but wants a fee free long term card to build score with (with the aim of getting onto Chase)

Any thoughts on this as an alternative to Hilton Honors as a second GT (to build long term credit score) ? Would having multiple providers improve credit score vs just Amex alone ?

In terms of first cards once you have an ITIN, any thoughts on the Petal card ? Forex free Visa, no AF option, and they seem focussed on showing you your credit score (and linking to Equifax etc) No points/rewards, but as a bridge to increase and monitor credit score while waiting out the 12...

Wise are certainly on the nose for me They charged a fee to transfer aud back to my local Aus (nab) account via payid. No currency conversion, just gouging

Thanks I thought I had also read that it was bad to pay off too much ahead of the monthly statement amount ?

I received a "Future Transactions May Be Declined; We recently approved a transaction, but your balance is high relative to your limited payment history with us." email after a USD4600 purchase on my 3 month old Green card (which previously had only had much smaller purchases). I had to wait...

I did it once before realising there were significantly cheaper options out there. It is very convenient (instantaneous) however...

My US account appeared automatically (and vice versa) without having to set anything up. I think it's a 'feature' rather than an option - they want you to use their expensive forex feature :)