Strategy to obtain US Amex

_TheTraveller_ said:
C1 giveth and C1 taketh.

VX shut down by C1 for no reason that I and the fraud team can see. I called C1 and they weren't sure either. They went through my transactions and didn't see anything odd. It wasn't a full shut down as I have other cards still open from C1.

Lost around 100K points so mindful with C1....!
Click to expand...
Will you get those points back? Surely you will...

Out of interest how were you using the card? Were you using in Australia and mobile wallet or anything like that?
 
cathalm8 said:
Will you get those points back? Surely you will...

Out of interest how were you using the card? Were you using in Australia and mobile wallet or anything like that?
Click to expand...

Based on what I've read, they're nothing like Chase. Once they close it's gone. Sometimes they'll transfer them into credit for your account or they'll send you a check at 0.5c pp but no guarantees.

Mainly Mobile. Had the card for almost a year. They even approved me for a 2nd card earlier this year. No abnormal purchases. Mainly just AUD groceries and internet bills. My guess is that they're flagging you as a normal US resident and closing you down. Or they couldn't build a profile for you and found it too high risk.

I would suggest anyone interested in C1 to either:
  1. Apply, hit the limit and transfer everything out and forget about it
  2. Don't apply. It's just not worth the headache and pain when the random shut downs happen

Does anyone have any recommendations as to what else to apply for? I'm at 4/24 assuming my failed Atmos application doesn't land.

I wouldn't mind the Amex Brilliant and an Ink..... Does anyone have any experiences with BoA with an ITIN? I know Tiki has a SSN and has been a long time customer so maybe not as applicable.
 
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_TheTraveller_ said:
C1 giveth and C1 taketh.

VX shut down by C1 for no reason that I and the fraud team can see. I called C1 and they weren't sure either. They went through my transactions and didn't see anything odd. It wasn't a full shut down as I have other cards still open from C1.

Lost around 100K points so mindful with C1....!
Click to expand...
Mine which is just a week old got shut down early morning today. Thankfully hadn't put any big spends on it yet. All spends (minor) - SYD trains, etc were with physical card. I'll be calling them later today.
 
_TheTraveller_ said:
That explains it.



Chase Ink Biz/Cash have a 90K/$900 sign up bonus with no AF. 3% FX.


It's laughable how good Chase is compared to C1 or BoA.

Applied, called, approved, card expedited within 20 minutes.
Click to expand...
Nicely done

Now I get FOMO.

P2 got rejected for Biz Hilton a week ago even after submitting bank statement with reason Too many inquiries Not much balance in bank account.
1 week after got approved for Biz Platinum. 250k for 20k spend. Not what Im aiming for 275K and no referral, just applied straight up from offer within account itself

Now come along elevated offers from Chase but still 20k to spend with Amex
 

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