Strategy to obtain US Amex

[albyd]

For Physical Address it says:

• U.S.-issued driver's license or other government-issued ID
• Utility bill such as gas, water, electric, sewage, phone land line, internet or cable dated within the last 90 days
• Pay stub dated within the last 60 days

Will they take a bank statement ??

Did you use a VPN when applying? The Chase fraud algorithm flags this and dislikes it. I found the same with C1. I applied for my CSP in branch though internet banking got frozen after I logged in with a US VPN.

C1 were asking for US issued ID only then I didn’t get this message after I applied without VPN on.

 

[Grrr]

Did you use a VPN when applying?

Yeah I did.
I uploaded the requested docs and will call back today as they suggested and see what happens…

 

[Grrr]

Yeah I did.
I uploaded the requested docs and will call back today as they suggested and see what happens…

Bugger

After long on holds, they said they couldn't progress it, and I would need to go in to a branch and apply if I still wanted the card

I asked twice if there was anything else I could send to provide extra information, but was told no as this had already been declined (and she said she couldn't send me a new link).

The initial email had asked just for

Please upload clear, easy-to-read copies of documents for the following:

• Unverified or missing date of birth. please provide proof of date of birth
• Proof of current physical address (e.g. utility bill, government issued id)

to which I uploaded passport and a Cap 1 card statement.

I didn't send my ITIN because they didn't ask for it, but surely they would have just asked again if that was what they wanted. I get the feeling that they didn't accept my bank statement as proof of address (as it wasn't listed as an option on the web form).

I presume there is no point in calling again in a few days ?

Not sure where to go from here as there's no sensible way of getting another proof of physical address I can think of...

 

[georgie23]

Bugger

After long on holds, they said they couldn't progress it, and I would need to go in to a branch and apply if I still wanted the card

I asked twice if there was anything else I could send to provide extra information, but was told no as this had already been declined (and she said she couldn't send me a new link).

The initial email had asked just for


to which I uploaded passport and a Cap 1 card statement.

I didn't send my ITIN because they didn't ask for it, but surely they would have just asked again if that was what they wanted. I get the feeling that they didn't accept my bank statement as proof of address (as it wasn't listed as an option on the web form).

I presume there is no point in calling again in a few days ?

Not sure where to go from here as there's no sensible way of getting another proof of physical address I can think of...

they will accept the bank statement - lots of DP that is ok both here and on reddit (read the canada US churning if want more DP)
The link is a one time use so unfortunately you wont be able to use it again
I am certain they will need ITIN - may have to fax to them or post as they usually don't reissue an email link - in my experience Chase requires multiple phone calls to get through - they may insist you present to a branch but HUCA and you may eventually succeed - thats been my experience

 

[metaphase]

Cap 1 card statement.

I wonder if they didn't like a CC statement vs a bank statement? (I know banks can sometimes be weird about the former for some reason)

 

[Grrr]

they will accept the bank statement - lots of DP that is ok both here and on reddit (read the canada US churning if want more DP)

I've just read (a day late !) elsewhere that they don't like credit card statements

I thought a Cap1 statement would be better than the well worn HSBC checking account statement but clearly not...

So you reckon calling again tomorrow and asking if I can send them another proof of address document is worthwhile ?

Also read elsewhere that it's best not to harass them and just try again in 90 days...

 

[DAC1]

I wonder if they didn't like a CC statement vs a bank statement? (I know banks can sometimes be weird about the former for some reason)

The fraud/risk controls that are applied to bank accounts in the US are far more stringent than those applied to credit cards. I suspect that is part of the reason.