Strategy to obtain US Amex

[nthd_nthd]

I've got a Citi AA Biz card, actually not 1 but 2 Citi AA Biz. I did 2 to dd on the SUB. If you are approved for the 2nd card before completing the minimum spend on the 1st card then you'll be eligible for the SUB on the 2nd card as well.

I got it both this year, 3 months apart. I had a bit under 4 yrs credit history when I applied for the 1st card.

Application was pretty straight forward. Went through the app online and went under review. Waited for them to send a letter which was a request for ITIN and passport. Fax that in, called them a few days later and was approved over the phone.

2nd app was even easier instant approval online.

Contrary to others experience. Citibank has been much easier to deal with compared to Chase and Barlays.

Have had no fraud alerts at all even on larger $2-3k transactions. (Learnt to not add the card to google pay and mostly just use the card online.)

I still haven't managed to get a Chase card approved even after many applications. They are PITA to deal with. Probably the worst bank.

Thanks for your DP. Yes I heard about the 2 cards method. However I got rejected multiple times. I'm at around under 1.5 years credit. Just hoping to know anyone get approval with that thin credit. Got checking account with them for 2 months now. Not sure if it helps.

 

[georgie23]

Just bought a dock for my Mac, didn't look too hard on there - trying to get a qoute off the mail forwarder to post it to Australia

I really hope its not $200 US worth - ha - Im sure you will still be ahead

 

[maverick1]

I dont have a recent data point sorry. Out of interest what routes do Hawaiian provide value on?

The value lies in Alaska. So the plan was the transfer to Alaskan via Hawaiian via Amex before 30th Jun. I recently got SUB on US Amex Biz plat and this one is AU Biz Plat, so bit unsure if that could have been a possible issue.
Chatted to the agent confirmed the SUB and I meeting the qualifying spend. The agent was happy to file a formal compliant to expedite the investigation.

 

[maverick1]

I had the same experience with your P2. Was shocked when transaction cleared and boom, points in account. Sorry ni recent DP

Yeah, that's why the concern. Amex AU is pretty good with crediting the SUB it's usually credited with the transaction that fulfills the qualifying spend.

 

[albyd]

How soon after annual fee posting did you downgrade? I assumed if you cancelled within 30 days of AF posting you got a full refund?

I left it a little late. They downgraded me to Green business card and charged pro rated difference. Glad they did that. I do have a credit on my Green business card. I’ll look to reallocate it to my other cards as their statements issue.

Just curious, do I get the SUB on this card even though it was a downgrade? Thought with the FTF, might not be worth it given it’s so small.

 

[albyd]

What value are you getting from CSP? I have redeemed some points to hyatt. I do use the 3x reward points fot online supermarkets in Australia. Apart from that is there much else?

Which supermarkets does it work for? Might it work for Coles GC assuming they finally bring an offer out … been a while since the last one. Assuming they didn’t make any $$ so they’ve stopped the offer.