Strategy to obtain US Amex

[blacksultan]

Tried to use the new itin I received for my wife using the casino earning method to apply for a chase card. Would not accept it as it mentioned it needs to start with a ‘ 9 ‘ and this itin starts with an ‘8’ . Does anyone have any ideas ?

 

[blacksultan]

Just received my ITIN as well. The W7 was sent to the IRS on 13 March so just under the 7 week timeline (although for the IRS that it is impressively quick given that is tax season).

I used someone off Fiverr who was exceptional and was cheaper than SH Studios. If anyone is interested, DM me and I will share a link to his ad and a referral.

Question in the meantime, should I still apply for my first Amex using GT and not quote my ITIN? My plan is to apply for a Personal Gold using GT and then apply for a Hilton Amex (probably the free one or Surpass) using my ITIN 3 months later (unless anyone thinks it’s worthwhile applying sooner).

Does your itin start with an 8 or 9 ?

 

[nthd_nthd]

Downgrade my Amex Biz Gold to Green in Nov as they didn't give me good retention offer.
Downgrade my Amex Biz Platinum late January to Green (so 2 Green by now) after redeeming all my benefits for the new year. The card is still in the mail to be delivered early next week
Received offer to upgrade to Biz Platinum and I could choose either Green for upgrade.
I selected the Account for the downgraded Gold=>Green to Upgrade. Just wait 48hours to request the card to Australia as this is existing account.

Hope this helps

 

[DAC1]

Does your itin start with an 8 or 9 ?

9

 

[QF_Flyer]

Has anyone applied for a personal loan with US Amex before?
I'm getting "pre-approved" offer

I've had pre-approved loan offers for years now, pretty much constantly - wouldn't apply as the interest rates offered are horrible (in my case anyway, around 14%).

 

[N0mad]

I've had pre-approved loan offers for years now, pretty much constantly - wouldn't apply as the interest rates offered are horrible (in my case anyway, around 14%).

Also need to factor in if you are unhedged, assume it's to either pay off other debts or park in an AU offset. FX movements could cost you more than the interest.

 

[DC3]

Also need to factor in if you are unhedged

Oh, I thought that was written as unhinged when I first looked. Should have gone to Specsavers.

 

[Darkpulsar]

For people with HSBC Relationship Savings account, which criteria are you using to activate the bonus rate?

Met the Premier MC SUB so not so much spend going on that card now for the $500 repayment criteria.

Longer term also need to figure out which HSBC Premier home market to switch to...

 

[metaphase]

For people with HSBC Relationship Savings account, which criteria are you using to activate the bonus rate?

Met the Premier MC SUB so not so much spend going on that card now for the $500 repayment criteria.

Longer term also need to figure out which HSBC Premier home market to switch to...

Holding HSBC Prem elsewhere, although TBH I've been hitting the repayment criteria on the CC anyway as I love the 5x travel bonus!

 

[DAC1]

For people with HSBC Relationship Savings account, which criteria are you using to activate the bonus rate?

Met the Premier MC SUB so not so much spend going on that card now for the $500 repayment criteria.

Longer term also need to figure out which HSBC Premier home market to switch to...

Been using the premier for groceries and petrol for 3x multiplier. It works for me.

 

[blacksultan]

All my chase cards got closed last night for no reason .
Trying to get them reinstated .

 

[N0mad]

All my chase cards got closed last night for no reason .
Trying to get them reinstated .

Good luck, FR is never nice but many of us have survived them and live on. Do you know what caused it?

 

[blacksultan]

Good luck, FR is never nice but many of us have survived them and live on. Do you know what caused it?

I called them . One of the question was why do I have a credit history only from 2020 when I am in my late 40 ‘s .
Also reason for 3 new chase cards last few months .
Asked me to call in 30 days time .

 

[_TheTraveller_]

I called them . One of the question was why do I have a credit history only from 2020 when I am in my late 40 ‘s .
Also reason for 3 new chase cards last few months .
Asked me to call in 30 days time .

Seems like velocity might have been an issue. How much are you putting through your cards?

 

[levelnine]

I called them . One of the question was why do I have a credit history only from 2020 when I am in my late 40 ‘s .
Also reason for 3 new chase cards last few months .
Asked me to call in 30 days time .

Hang in there. A lot of people manage to get cards reinstated after the 30 day wait period. Make sure you pay down balances before calling in.

 

[blacksultan]

Hang in there. A lot of people manage to get cards reinstated after the 30 day wait period. Make sure you pay down balances before calling in.

Thanks . Im going to do that asap .
Do I need to pay annual fee ?
Do you know if I will get sign up bonus points if minimum spend has been met ?

Seems like velocity might have been an issue. How much are you putting through your cards?

Normal spend . Approx $5 k in first month on 9 k limit biz card .
$1.2 k on personal with $9 k limit im first month .

 

[_TheTraveller_]

Thanks . Im going to do that asap .
Do I need to pay annual fee ?
Do you know if I will get sign up bonus points if minimum spend has been met ?

Normal spend . Approx $5 k in first month on 9 k limit biz card .
$1.2 k on personal with $9 k limit im first month .

Yeah those spends seem okay. Velocity? How many cards did you open in a short period?