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I get that too. The only one which has worked for me is Citi on their app. I recall upthread it has something to do with our local computer’s clock settings. I suspect it also has something to do with our having ITINs.

Thanks for explaining. I’ll do some more research and I think I might go down this avenue with my Chase points as Hilton especially are a waste of now precious Amex points given it’s going to be harder to earn them from CC usage in AU once we get our ‘reforms’ layer this year. I can only guess...

What’s the deal with Hyatt? I don’t want to spread myself too thin with Hilton and Marriott but considering Hyatt. High status doesn’t get you an upgrade when they’re issuing it like toilet paper. I’m a leisure stayer so not their target market. Hyatt appears to be a program which has some value...

Why's that? Has Amex Blocked you due to "Churning"? Once you get to :yes" with Amex AU, I think you'll need to hold got at least 6 months before you can do a Global Transfer to the US. I think you're right then, have to look to non-Amex but you may need to go via a "secured" card first to build...

What helped me with Chase was going into a branch and applying in person. They didn’t give me an answer straight away but often US banks want us to go into the branch if we have an ITIN instead of an SSN. Depending on when your trip to the US is, I’d lay the ‘groundwork’ now in relation to...

I think they don’t much care now as they’ve met their objective to get us using Amex for everyday spend. Some cancellations at the margin won’t make much difference to Amex so I imagine aside from a mass closure, they’re unlikely to offer us all incentives to stay.

I believe ‘standard’ is the pc term for non rewards MC. My impression is that rewards cards are ‘premium’ (though some of us might beg differ like my very ordinary looking Westpac Qantas business MC). That’s attracted the premium rate in the past. The only reason I can think of is that as a...

Funnily enough, I used to have a checking account with them which I opened in a branch. They let me use the branch address as the billing address. I guess that type of ‘selling’ led to some of Wells’ issues to work through the last little while.

I think that it’s not a grey area. The rules apparently know best to protect us from ourselves and wanting to load up on debt. We as consumers can’t be trusted … yes, I am being facetious but that’s the way the system is now.

I’ve had a look across the web on my iPhone. Can see there’s an extensive list of transfer partners. There’s even a TPG offer for spend the first 5 days. Probably not practical unless we can use it with Apple/Google Pay until we can get the physical card. I’m a little confused as to how the...

I tried recently. They apparently couldn’t identify so sent me a letter instead to go into a Branch. YMMV

So which services will let you do that? Most are strictly B2B and won't let you pay anything which looks like "credit" and paying yourself which you then use to pay that bill - my experience. I've used what's now known as Payment Logic the most. Costs are going up so I'm wondering whether this...

So what are the alternative services? I’ve still got an (inactive) account with them. I don’t believe any of the existing facilitation services will facilitate paying your credit cards with another credit card.

A couple of months ago. I haven’t used it to sign up.

I believe it’s worked for me with ExpressVPN. Now using Nord but haven’t tried it. Work IT made me delete all VPNs from my phone.

Thanks @DAC1 appreciate your replies :)

Thanks for sharing @DAC1 might be within the expected range then. I guess there are costs to help us facilitate this hobby. Re ITIN, thanks @Phoenix-1 for sharing the IRS document. I haven’t read the whole document as I keep getting interrupted and have been trying to on my iPhone. In short...

Out of curiosity, how much did they charge you to use fedex? I’m paying $US22 just to have one card posted to me with USPS. I didn’t think it would cost so much for ‘normal’ postal mail. I understand these services need to pay their bills too so they’re not going to do it for skinny margins...

Haven’t used them for a while but still have an account as I get daily texts about my monthly fee being payable and the debit failing (my amplify card is long ago cancelled). I find the same, they’re mostly non responsive to emails and the one time they did respond, they refused to wipe my...

I agree. It is less prospective ‘value’ than transferring points to airlines for premium travel now that they’ll be harder to ‘earn’ on the ground. Whilst accommodation offers good utility, it seems like a ‘waste’ to me in comparison.