Strategy to obtain US Amex

[Grrr]

No need for itin . Can supply passport as well of just ignore requirement .

If we’re talking about any of the Amex cards, either a new application or an authorized user applications has an SSN/ITIN box ?

 

[blacksultan]

If we’re talking about any of the Amex cards, either a new application or an authorized user applications has an SSN/ITIN box ?

Can call and provide pasport details later

 

[Grrr]

Can call and provide pasport details later

But you can’t complete the form without putting something in the SSN box ?

 

[blacksultan]

For an authorised user? No you can’t.

They used to mention that you need to provide itin or passport details Within 30 days of card would be closed . One could disregard that .
There might be option to provide passport details if one applies over phone .

 

[Darkpulsar]

Best US credit cards for expats & international travelers

The best US credit cards to use for purchases while overseas aren't always the same as the best ones in the US. Here's a good list for expats & travelers.

frequentmiler.com

Interesting recent article.


How are people doing for paypal? You can't now add foreign billing addresses outside the region of your account and PayPal says you can only have 1 personal and 1 business account. Are people running US sole prop paypal business accounts?

 

[Grrr]

Interesting recent article.

Makes the Citi Strata Premier sound amazing ! Are they really more fraud trigger-happy than Chase/C1 ?

 

[DAC1]

Makes the Citi Strata Premier sound amazing ! Are they really more fraud trigger-happy than Chase/C1 ?

From all reports here, yes they are

My current HSBC Premier + Amex Gold combo nearly rivals what Citi Strata Premier gets.

I get 4x dining (on Gold) and 3x on flights (on Gold) and 3x gas/groceries (on HSBC).

Only thing better on the Citi Strata Premier is 3x on hotels (HSBC is 2x).

 

[blacksultan]

First reinstatement attempt not successful yesterday even though all accounts fully paid
Asked the reason I have short credit history and so many enquires.
Have to wait 30 days before I try again .

 

[DC3]

.. so many enquires ..

Many enquiries from credit providers? Too many card applications? Is that the issue?

 

[_TheTraveller_]

First reinstatement attempt not successful yesterday even though all accounts fully paid
Asked the reason I have short credit history and so many enquires.
Have to wait 30 days before I try again .

I mean that's what Frank said as well so you should just wait 30 days instead of calling.

Many enquiries from credit providers? Too many card applications? Is that the issue?

Yep. They're deeming it as credit seeking behaviour. Bust out risk is high. Esp if they do a soft pull and see you have outstanding balances on multiple across cards from different credit providers.

 

[Grrr]

Asked the reason I have short credit history and so many enquires.

How long is your history ?

 

[blacksultan]

How long is your history ?

Since 2019

 

[Franko Costa]

Since 2019

As I said I have been through this. Your points were already gone despite showing in the system . I have been through this twice. This is the process:
- all card are closed. Points still show but you can't use them
- you can call and they might be able to get account reactivated, if. Ot can only try again in 30 days as they want to see the refresh of your credit score
- during this time, you need to pay off all balance and not apply for any credit at all, make sure all personal balances are low to report good utilisation
- call after 30 days to get accounts reinstated. They will ask heaps of questions so be prepared to answer (why heaps of purchases overseas, what exact business to do you, why applying for so much credit, etc)
- if they reinstate the card, then all the points will come back

If this happens to you or anyone else where chase closes the card down, try and withdraw all points right away (might already be locked)

 

[blacksultan]

I mean that's what Frank said as well so you should just wait 30 days instead of calling.


Yep. They're deeming it as credit seeking behaviour. Bust out risk is high. Esp if they do a soft pull and see you have outstanding balances on multiple across cards from different credit providers.

Don’t have any balance at all apart from an Amex biz which won’t be visible .

As I said I have been through this. Your points were already gone despite showing in the system . I have been through this twice. This is the process:
- all card are closed. Points still show but you can't use them
- you can call and they might be able to get account reactivated, if. Ot can only try again in 30 days as they want to see the refresh of your credit score
- during this time, you need to pay off all balance and not apply for any credit at all, make sure all personal balances are low to report good utilisation
- call after 30 days to get accounts reinstated. They will ask heaps of questions so be prepared to answer (why heaps of purchases overseas, what exact business to do you, why applying for so much credit, etc)
- if they reinstate the card, then all the points will come back

If this happens to you or anyone else where chase closes the card down, try and withdraw all points right away (might already be locked)

Ok . Thanks .
Do you know if the united points still showing as pending will get transferred across when next statement closes ?

 

[DC3]

.. you need to pay off all balance and not apply for any credit at all ..

Plenty of good advice here

 

[Franko Costa]

Don’t have any balance at all apart from an Amex biz which won’t be visible .

Ok . Thanks .
Do you know if the united points still showing as pending will get transferred across when next statement closes ?

I don't know. All I know is that my points all came back when the card was reopened but when the new statement closed.

I still have PTSD and log into my chase account everyday waiting for my cards to be closed again

 

[Grrr]

I don't know. All I know is that my points all came back when the card was reopened but when the new statement closed.

I still have PTSD and log into my chase account everyday waiting for my cards to be closed again

What do you think were the triggers for your two shutdowns ?

 

[blacksultan]

I don't know. All I know is that my points all came back when the card was reopened but when the new statement closed.

I still have PTSD and log into my chase account everyday waiting for my cards to be closed again

Were they reinstated in the first attempt or did it take multiple attempts 30 days apart ?