Strategy to obtain US Amex

[_TheTraveller_]

I've been patiently waiting to see if the doc review passes without intervention, as success rates from calling seem to be next to zero - so far that strategy is not working! The review is still "in progress"... I'll give it a few more days before running the gauntlet with the call centre.

From what I've read the call centre is useless. C1 is so algo centric that they don't even have recon.

 

[scibo10]

Foreign passports or other id won’t work .

The reason I asked is that I was able to get approved for a Savor card using my AU passport and my ITIN. But my account got restricted after approval and to unrestrict it, I had to rescan my AU passport and ITIN letter, provide AU payslips, the CVV on the back of my card and do a 3-way with BofA where I have a checking account.

I was curious to see if they tightened their rules and don't allow AU passports at all now.

My thinking is if you get an instant approval, C1 allows for just sending AU passport and ITIN letter. If it requires manual review, then ID requirements may be more restrictive.

And if your account gets restricted after approval, then you deal with the fraud team instead that I believe does accept AU passport to verify ID.

 

[Ko0l]

I've never sent passport to C1 during the application process. Sent my NSW Driver License instead and was approved. This was for the Spark plus card late last year.

My account was restricted in April this year and they're accepted my Australian passport after multiple calls. (The letter they sent said foreign passports can be used in lieu of govt issued ID if you're a foreign citizen but their customer service was adamant that foreign passports was not accepted.)

Either way I don't think cap1 is good for long term usage. Apply for the SUB and sock draw the card afterwards. They are trigger happy to restrict cards if you are abroad often and the required verification documents can be difficult for people living in Australia to obtain.

 

[maverick1]

I got the HSBC Premier world card when the AF was 0 and was planning to keep it as it's my oldest card with 2yrs of credit history but now they have started charging AF of 95. Has anyone been able to get the AF waived as at time of signup the card came with no AF?

 

[Grrr]

My account was restricted in April this year

What sort (amounts/location) of spending are you guys doing to get your cards restricted ?

 

[blacksultan]

I got the HSBC Premier world card when the AF was 0 and was planning to keep it as it's my oldest card with 2yrs of credit history but now they have started charging AF of 95. Has anyone been able to get the AF waived as at time of signup the card came with no AF?

You can redeem reward points to redeem for AF .
And if you don’t have enough points they will credit you some or all required
I had the AF waived for both cards with all points credited by them .

 

[maverick1]

You can redeem reward points to redeem for AF .
And if you don’t have enough points they will credit you some or all required
I had the AF waived for both cards with all points credited by them .

Naah I don't pay any fees to them. How did you contact them for the fee waiver?

 

[blacksultan]

Naah I don't pay any fees to them. How did you contact them for the fee waiver?

Chat online .