Strategy to obtain US Amex

[Grrr]

The card in US’s address still…… idk really don’t want to spend to ship it out at this point

Ah. I have always played this super cautiously (with C1 anyway) - did online US transactions first, then some physical Au transactions, then added to Apple Pay

Plenty of DPs out there of them fraud blocking you if you try and add to a digital wallet first up

 

[nthd_nthd]

The card in US’s address still…… idk really don’t want to spend to ship it out at this point

You should pay for it to ship. Once you have physical card on hand it will remove the fraud. FRom my experience, always use the physical cards for 1st few transactions - if not all my online transactions would be declined - not just Apple/Google wallet.

Even after using for awhile, some big transactions i.e. $500 thru Wallet were declined. then I had to use physical card

 

[_TheTraveller_]

Yep trying to use your card without the actual card is a massive red flag. Always get your first card in hand if possible. It makes the rest of the journey much easier.

Given that you've been flagged for fraud, I'm not sure if getting your card in hand is going to solve your problems. You may just need to keep calling till you get someone sympathetic or close the card.

Reasons form my closure letter :

Too many requests for credit or reviews of credit


Not enough credit information on file


I might have also unnecessarily clicked credit limit increases button .

The credit limit increase button is known for FR in the Amex eco system so it's not surprising that Chase is suspicious. Shouldn't use the CL increase button too much if possible.

 

[_TheTraveller_]

I just received a pre-selected offer via US postal mail from Capital 1 to my US Global Mail inbox for the Venture card - 75k points after 4k Spend. I don't currently hold any C1 Cards but have 5 Chase CC and 3 Amex. The offer comes with a unique code that is inputted on the application page. I remember applying for a C1 card without success a couple of years back so i'm a little hesitant. Has anyone else had success applying with one of these personalised offers? I have ITIN only.

There have been reports of C1 shutting down those with ITINs and NRA status so it's up to you if you want to risk it. It'll take a slot for ?/24. Should only consider if you can hit the spend fast and transfer the points out.

 

[blacksultan]

The card in US’s address still…… idk really don’t want to spend to ship it out at this point

You might need to . Best not to use Apple Pay for first few weeks and definitely not without using physical card first .

 

[albyd]

There have been reports of C1 shutting down those with ITINs and NRA status so it's up to you if you want to risk it. It'll take a slot for ?/24. Should only consider if you can hit the spend fast and transfer the points out.

I got a C1 Spark Miles card back in December 2025. I used the physical card and haven't been able to add it to ApplePay. I've also used it to make online payments. All ok so far. I did apply for this using my AU IP rather than a VPN for the others. Hopefully don't jinx things. Previously applied for personal cards and been asked for US state issued ID.

I'm waiting for my AMEX Business Platinum (AEBP). My plan is to make a pre-payment then use it on the ATO site to make a big ATO payment. Might this trigger a FR given it's such a new card and this size spend is outside my "normal" spending on Amex US? I have 2.7m US MR points so don't want to put them at risk. For charges > $US5k, the business card awards 2x points (up from 1.5x previously). I'm attracted to the simplicity (and cost savings of not using a payment processor) but am a little worried I'm putting my points at risk. How do I handle this?

 

[_TheTraveller_]

I got a C1 Spark Miles card back in December 2025. I used the physical card and haven't been able to add it to ApplePay. I've also used it to make online payments. All ok so far. I did apply for this using my AU IP rather than a VPN for the others. Hopefully don't jinx things. Previously applied for personal cards and been asked for US state issued ID.

I'm waiting for my AMEX Business Platinum (AEBP). My plan is to make a pre-payment then use it on the ATO site to make a big ATO payment. Might this trigger a FR given it's such a new card and this size spend is outside my "normal" spending on Amex US? I have 2.7m US MR points so don't want to put them at risk. For charges > $US5k, the business card awards 2x points (up from 1.5x previously). I'm attracted to the simplicity (and cost savings of not using a payment processor) but am a little worried I'm putting my points at risk. How do I handle this?

I think Amex is a lot more reasonable than C1. If you get hit with FR, you can perhaps show them the money going into your US accounts and they might be satisfied/cut your lines but won't shut you down. I think it's good to build up to a large spend, 2-3K then 4-5K then 5-6K. Sadly I don't have much experience but reddit can be helpful. Sometimes you can also give Amex a call and see whether they would be okay with it.

 

[Tiki]

I have my CSP and 2 Inks linked to Apple Pay but I have been with Chase for over 15 years and I made a point of walking into a branch last time I was in the USA (Nov 2024) and having them register my US passport as a form of id just in case. Did the same with B of A where I keep my transaction accounts and my oldest credit cards which don't get points so I keep them locked and get them out once a year to keep them active with a small charge. I was very worried about my Citi AA card so I just used it for a Planet Express top up and paid a cruise off, fraudsters are unlikely to be booking cruises! I haven't used the physical Citi card yet, still trying to work out if I need to go hard on UR or AA. I probably won't link it to Apple Pay if that's a trigger. It's not a problem to just type it in when I pay online, I have so few bills.